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0% balanace transfer to current account?
Hi, I currently have an ex-student overdraft current account with about -£1500 balance on it. At present since i am no longer a student my overdraft rate has become 12.5%APR. I read on the MSE website about 0% BT cards for transferring debt and repaying the credit card at 0% interest over say 17months for an approx. 3%…
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credit reference question
can anyone tell me how long cra can hold information on me,ie one has address i lived at in 2003. can i ask to have this removed. I did post this on appropriate thread, but notice there has been no traffic on it since 3rd Jan so apologies if anyone notices double post.:)
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Declined several credit cards...HELP!
Hi guys, wondering if anyone can help. I can't get a credit card anywhere now. after 7 years of having a PERFECT and i mean PERFECT credit score i have since been declined 4 cards in the past fortnight. When i looked on experian it says cause of a default at Vodafone. to cut a long story short, an account was opened up…
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Credit card repayment query
I currently have a few credit cards nearly at the end of there 0% interest period however I have moved within the last year and changed jobs twice within a number of months. I imagine this will make applying for a new 0% balance transfer card difficult. With regards repayment paying just the minimum rather than the full…
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Santander Credit Card
Credit card issuers should make it more obvious as to whom the underwriters are and if it’s Santander I would recommend you stay well clear. A recent simple transaction error by Santander has so far cost me a fortune in phone calls and the situation is still not resolved 2 months later. They are very difficult to contact…
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Help - maxed out credit cards
Hello.....and help ! We have maxed out on several credit cards as we have been saddled with a load of debt from my brother in law over the past 5 years. We have until now been very good at meeting all regular monthly commitments but are now at the point where we are beginning to struggle month by month and have one credit…
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SANTANDER, WHAT A JOKE!!! What can we do??
I banked with Abbey for many years, no problem. Now to cut to the chase can anyone offer any advise please. I took out a 0% credit card with Santander. Obviously I also bank with Santander (Not for much longer). I completed all the application etc etc. Card arrived, I filed it as I transfered a balance with my application.…
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Mercers/Barclaycard
Hi i am new to this site and have read all about mercers and what a set of S*** weasels they seem to be. I apparently have a debt of £3300.00 with them but i have had no harassment or even contact from them. I know some people who are sick of them may find me complaining about this strange, but them not bothering me is…
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Compensation from Credit Card company
Good Morning I posted a while ago about a cc co who had 'accidentally' sent personal (and very sensitive) mail to my neighbour's address who had read it. Well, it has taken a while but I have finally received a compensation cheque for £300. I rejected their initial offer of £150 and they have come back with an increased…
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CC query - v old cards and banks cc
I did a credit report last summer and noticed2 old cards (barclaycard and coop) I've not used for 5+ years with 0 balance on there. I've written to them both and asked they were closed and had no reply. Do I do another £2 report (will this affect my credit score?) or call them and see what's happening. I'm hoping in March…
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NatWest Credit Card address to write to?
Hi! I am trying to help someone sort out a NatWest credit card problem: I only have a bog standard address to write to (an unexpected payment was taken off the card and it is over the limit - nothing was done about it for some time however and I can't for the life of me find the original letter she was sent). I have spent…
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When should interest appear?
Credit card nube, sorry. At what point should I expect interest to appear on my balance if it's not paid off by the statement date? My statement period ended last week but no interest has been added to the balance since then. Curious to know when I should expect it... thanks
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Identity theft - store cards opened in my name
Hi there guys, Wasn't quite sure which section to post this in but here goes anyway... So several months ago we received a bill from O2 to a person by my first name but with some other second name. It seemed that they had opened a new contract. We later received late payment notices and subsequently a final demand. I…
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Playing catch up.
Hi i have always made min payments but have got one month in arrears on 4 cards (i know stupid) how can i catch up with no spare money to throw at them all do a concentrate on one at a time? I can still make min payments on all.
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Paying abroad
When paying by credit card abroad I am sometimes asked if I want to pay in sterling or the local currency. What should I choose? :eek: Thanks
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Payment Protection on a Nil Balance
Hi can anyone tell me why i have been charged 44.99 payment protection charge on a nil balance and can they do this. i have not taken out any protection policy
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Lloyds TSB Hassles
I'm just looking for a little advice (and maybe encouragment too lol) Here's the sorry tale... My dad has a Lloyds TSB credit card and even though they moved out of Northern Ireland a while ago, my mum, who deals with all this for him, has been paying the £7 fee asked for by the bank she pays this through , The First…
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Im confused and need help!!!
Hi I need some quick cash well to be more exact around £13,000. I'll be able to pay this back in around 2months so don't want to get a load. I have read something about transferring money from a credit card to your account with out incurring any fees. I have tried reading up on this but don't really understand. I was…
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Halifax credit application (online) - when do I hear if I have been accepted?
Hi all, I applied for a Halifax Credit Card online last night, my 'Instant Decision' was "Thank you for your application for a Halifax Credit Card, which is now being processed. We'll contact you within the next 10 working days." Why do I have to wait 2 weeks to hear even I've even been accepted? Thanks in advance
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Direct Debits v Standing Orders
I have a few credit cards that are currently paid each month by DD and I would like to make additional payments each month. I've seen some posts on here that state that some don't allow it or class it as the next months payment etc and you end up with late payments etc if you don't time the extra payment right. I am…
