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default twice from lloyds..?
Hi Can you guys advice please. Back in 2003, there was a problem with hubbys lloydscredit card got mixed up in a move and was thought closed but not, we knew nothing of it until we started using the current account again (had been dormant since 2003)and they started taking money to pay a card...looked into it more and paid…
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Any point in keeping an Opus card?
This time next week, my Opus card balance will be £0. Not impressed with them hiking my Citicard rate from 19% to 29.9% but it's their loss anyway, now they can make 100% of nothing. So the question is, would there be any point whatsoever in keeping this card in the hope of either balance transfer offers, or a lower APR…
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Is it wise to close this card?
I have had several cards in the past and thanks to the excellent advice on here and generally being tight fisted :D have no cc debt. The last card I got was an RBS One card which had a 0% interest rate until December and I paid it in full in November. Its still open but I wont use it. Ever. Now I also have no other credit…
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Pure card
I've just recieved a card throught the post that states it's a "pure card". I have never applied for this and have never even heard of them and certainly don't want it. Anyone else heard of these. Thanks.
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Paying off overdraft with credit card
Sorry if this is obvious but I am very new to this. Is it still possible to pay off my overdraft with a credit card and do companies still issue credit card cheques. My bank Lloyds TSB will not allow me to pay off my overdraft with a credit card. Does anybody know which companies allow you to do this?
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Anyone know of any ..........
Anybody know of any loan companies or promotions on atm for a loan amount of £8k - and able to pay off lump sums when i can? I now have a poor credit due to endless applying and 'no's' from most of the promotions on this site. Any ideas?
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Rip-off Christmas time late defaults Sums
Has anyone else had this happen to them and does anyone know if the Financial Ombudsman takes up cases such as this..... I like paying my credit cards via a cheque through the post and always do it before the time stated and 5 Days required so I don't incure charges. I like doing it this way as I feel more in control, and…
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MBNA Credit Card
Hello. I am new to this forum and I am looking for some advice regarding MBNA. I had a card with about £2500 on it last year. I decided to pay of the card in full and close the account. I rang to get the total balance I owed and informed them I wished to close the account. I then transferred the amount I was told to them…
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a little help please
HI, look i know there are loads of threads out there helping with this but it really confuses me. i have had a caredit cars with BOS for about 5 years(no more intrest free stuff) i would like to have a card with 0% interest for a while and 0% balance transfers. my problem is i don't understand all the jargon. i owe only…
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Balance transfer help?
Apologies if this is a really "blond" question! I currently have a balance outstanding on an Argos card (I think the apr is something like 27%!). I have enough on a credit card which is showing the interest each month as 0.649%. I'm assuming by transferring the ARgos balance to the other card, I'll be better off each month?
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Halifax credit card
I have a Halifax card witha 9350 limit I recently paid off 5000 i paid it on the 8/12/10 expecting it to take a couple of days and my statemnt was dated the same date. I just got a letter saying my limit was reduced to 6000 as i didnt make the minimun oayment last month. I thought the 5000 was into the next month but…
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Buying a car by credit card
Hi all! I am in need of a bit of advice. I am planning on getting a new car around June/July and will need to borrow around £5-£7k. Instead of obtaining finance for this I am thinking of getting a couple of credit cards with "0% on purchases" deals. At the end of the alloted amount of time, I shall shift the outstanding…
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Car warranty
Right I am posting on here, as don't know where else to post.. My question is just rushed in to take out a policy with warranty direct for my car, but for the first time ever I had not researched the company and seen some bad reviews, just wondered if anyone has had any dealings with this company or should I cancel as I…
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Barclaycard Interest Rates ?....Illegal ?
I have a Barclaycard with a £13,200 limit. My last six statement balances have been £5900, £2800, £2080, £1565, £12124 and £6600. This month`s statement has just come through with an interest charge (on my so-called Standard Balance..whatever THAT is ? ...) of £362-25 !!! The interest rate stated is 1.873%, so, according…
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Post Office/Nationwide
Hi guys, This is really just a moan. About most pointless application ever. 2 weeks I applied for Post Office credit card as I am going to US in Feb and it would be handy (due to no foreign currency charges). Allowed 6 weeks to complete. First, they sent me letter requiring all sort of identification details. Either…
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Credit Card Comparison - Find the Most Attractive Offers
Maybe, everyday you will find a lot of credit card offers in your mailboxes, what would you do? Tossing them in the trashcan or reading carefully and filling out the credit card application? If you choose to fill the form, you should be careful before taking any further action. The financial market is overflowing with a…
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Missed Credit Card Payment
Hi, I am not sure if i am posting this in the right place or if anyone is even able to help me. Basically i got home from work on wednesday and my credit card bill had arrive i opened it never read it because it was so late and sat it in my kitchen to look at on thursday. i got home thursday night(last ngiht) from work to…
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Missed Credit Card Payment
Hi, I am not sure if i am posting this in the right place or if anyone is even able to help me. Basically i got home from work on wednesday and my credit card bill had arrive i opened it never read it because it was so late and sat it in my kitchen to look at on thursday. i got home thursday night(last ngiht) from work to…
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Cancelled Cards & Credit Records
I've had many credit cards, bank accounts and overdraft facilities with various lenders down through the years. Some I have cancelled, some that are still available to me. When I say cancelled, I do mean cancelled as I have written to the lender asking them to close my account and remove the credit facility. I recently…
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unexecuted agreement if only one signature? s61 1 a
i done a s78 request and i got a copy of my agreement front and back, only my signature is on the agreement! been reading cca and i'm not sure if i can argue it's unenforcable as per s61 1 a says a document needs signing by both creditor and debtor. as mine has only one, is it an unexecuted agreement? there is a precedent…
