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Ppi
I took out a credit card 11 years ago and unfortunatly let it rise. I took out PPI at the saem time and was paying around £100 a month up until I stopped it last year as I found out due to my employment I would never be able to claim. The Financial Ombusman has said due to it being taking out before a certain date in 2000…
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Santander credit card (Debenhams card)
Does anyone have an e mail address for complaints re the above? I am really fed up with their inability to manage my account & can't get resolution on the phone. I have been told to write to an address in Leeds but would prefer to e mail. (My account was in credit so I didn't make a payment. They charged me a late payment…
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Cca - need help!!
Hi My hubby has been paying a dca (aktiv kapital) for a cc with barclays (going back 11 years). The reason he asked for a CCA was because even though hes been paying what he can off the debt, it has doubled. He asked for the cca aswell as a statement of all hes payments. Statements didn't arrive but a letter did stating...…
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Not sure why i can't geta 0% credit card to transfer my balance.
Hi, I have a halifax credit card and have always been able to get them in the past and transfer my balance to a new 0% one. But i have applied to 3 now and they have all said no and i'm really not sure why, do you think its because i have moved last January? or i have recently become self employed? I'm really stumped.
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How to get refund for postage?
Didnt know where to post this. I bought an item off superdry, the item was damaged so i sent it back to them using an insured delivery service. They told me I can get a refund for postage for a faulty product. They recieved the item and refunded me but when i asked about the postage, they said i had to call a number and do…
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Voters roll
Good afternoon fellow moneysavers I have recently applied to become registered to vote with my local council (just one of those things I've never got around to doing), I'm still on the voters roll at my previous address but for the first time I actually want to apply for a credit card with a 0% rate and so I figured I…
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Santander taken over GE capital accounts and reopened closed account!!
Hi Everyone, A few year ago I had an Edge Store Card, which belonged to GE Capital. The account was settled on 26/3/2007 and was close in May 2007 with a balance of £4.22 credit. I had a letter sent back to me confirming closure of the account (can't find it now though). It also showed as settled on my credit file. In…
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death and credit cards
if a person dies does the c card debt get written off? does anyone have to inform the c card company? would they want proof? what if that person left no assests of will and was divorced and living in rented? would it be written off?
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Why does my Barclaycard not appear in my Experian credit report?
Hi there, This may be a very dumb question, but why do my Barclays Current account and Barclaycard Platinum (both held for 10 years) not show up on my Experian credit file? Not necessarily a problem (my credit is good without it), but it seems a really strange thing to be missing. Is there a particular reason why this…
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Help! can credit card company take money from bank account?
My credit card and bank account are with the same company, halifax. ive not payed anything off my credit card for a while and recieved a letter saying if i dont make min payment they will take money from any other accounts i have with them. im in my overdraft with my bank account, can they still take money? any help would…
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RBS Credit Card - Incorrect credit report
Hi All I am after some advise - bit of a long story so I will keep it as brief as possible. 4 years ago my DH paid off the balance on a RBS credit card telephone to cancel the card and was told a payment of Card Protection had been applied. We asked them to cancel the card protection payment and also contacted the card…
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No past debt, but only being offered products designed for people with bad credit
HI, Ive never had and credit problems in the past, have checked my credit report, nothing unusual on there, am on the electoral roll, lived at the same address 5 yrs, same job 3 yrs, pay everything on time etc, but when applying for a new credit card and loan recently to transfer a balance,I was refused and recommended to…
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Barclay Card new one with 0% interest for a period of time
I have got a barclay card with a plan to transfer a balance to it as it was 0% interest for a period of time, I have not registered the card yet but have gone online and looked at website under offers and this offer is not available to me. I only got this one because of the offer, any ideas what I can do and if anyone else…
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Which card account to close
I've just transferred a balance from a Virgin card to a new card to keep 0% on my balance. My question is which (if any) card accounts should I close? I think I've read that keeping hold of accounts which you've had for a long time can help keep your credit rating high, but having too much available credit can work against…
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Natwest Platinum Payment Issues!
Hey guys I just had such a interesting eye opening call with Natwest, Wonder if you guys have had something like this basically my minimum payment for December was £28.00 so i used my initiative and before the bill came out on the 5th i contacted them and made a payment for £50.00 and on the 6th made a further cash payment…
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Nat West/ RBS Fined £2.8 million by FSA.
http://www.bbc.co.uk/news/business-12161181
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Didn't use my card now can't get credit anywhere !
Hi, I have problem. In 2007 I opened a Alliance and Lecister account. When I did this I got a credit card as well because it was part of a deal. I never used the card, I was worried about debt. Now I need a credit card, so I can buy some tickets to Korea to visit a friend. I can't get credit anywhere. 6 months ago I was…
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Sygma hierarchy of payments
Does anyone know when Sygma will introduce positive hierarchy of payments. Is there a certain date by which they must introduce it? Cheers
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Full and Final Settlement on Credit Card
I'll just jump into it here. I own a credit card linked with Santander, owing £1800. I have been paying minimum payment for a long time now and have not defaulted once. I have already sent one proposal settlement letter (F&F) a while back but received nothing. I offered £1000. I'm currently a mature, full time student and…
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Barclaycard F+F Please Help!
Well basically I have a barclaycard cc and have defaulted as I am unable to pay the monthly payments. I am a fulltime university student and have no income other than student loans which only cover my accomadation and food so i have little left over to pay anything else. I Owe £2900 and I wrote to them offering £1000 as a…
