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Strange Payments made off my credit cards
Hi All, I know this is not technically 'money saving', however I am worried about payments that have been made to my credit cards. I have a Virgin and a Barclaycard credit cards and I only use credit cards for the 0% periods. I logged in to my Virgin online banking today and saw a payment made of £300. I did not pay £300…
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£2 statutory credit report
does anyone know if this includes information on CIFAS and CCJ's? I purchased this to specifically check and it dont say. Also, how long does linked address information stay on theere for?
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Help required urgently regarding partial settlement offer from Natwest
I’m hoping someone could shed some light for me... I just got of the phone from Natwest regarding my credit card balances 2 cards (£15,300 + £5400). They have offered to accept 58.7% = £12,190. They have given me a time from of 2 weeks (8th Feb) to get the money together. I have not yet agreed to the terms. They claim that…
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Bank of America - scam???
Just had an official looking letter saying I still owed them £21.75. I don't have a Bank of America credit card so phoned the helpline number they quoted. She asked what my account number was (it was on the letter) and my mother's maiden name (which I gave them) then asked what the credit limit was on the account. I said I…
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Advice needed for 0% credit card
Hello all, I am new to this site and have just registered. I am retired and soon want to purchase a new lens for my dslr camera,using a 0%credit card for the transaction. I wondered if there are any single-use cards available to do this and if so, what are the benefits? or would a standard card be the best option? I did…
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What to do.
Hi all, Currently i have £22000 on 0% credit cards until about May, They are on 4 credit cards. Money was spent on wedding and a few other bits. I want to transfer them to other credit cards in May time but am worried that as i have £22000 in credit already they wont give me more credit cards. my intention is to do the…
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Quick Capital One Classic Question
Hi everyone, sorry for the silly question, but just thought I may be able to get an answer from here! Applied 2 weeks ago (12th), received agreement on the 14th (Friday), sent it off that morning, got my pin last Wednesday (19th), and am yet to receive the card. Just wondering if it normally takes this long. And also, do…
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aa credit card - contact email?
HELP! the short version is i want to email AA complaints dept but can't find the address anywhere.. I'm hoping someone has one! Why? i called the number on my statement re my Virgin card, had a nice chat, they said i wasn't registered for online banking (i knew i was) so after the call i checked my account online to make…
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Credit Card or Loan?
Hi all, I'm after some advice but it's a slightly complicated story. I'm looking to buy a used car. There are a couple I've seen, one from a dealership and one private and they're both under consideration. The issue is that I have been looking for the best way to finance it. I have around £1000 cash that I’m looking to use…
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Buy car on CC or finance or cash!
Hi, I am about to buy a car, after part ex I will be left with £5000 to settle. Having never had a credit card I don't really understand the 0% mularkey? I do have the £5000 in savings and have a mortgage, my credit rating is good. Should I go for the garage finance option, think this is about 9%, get a Tesco CC with 12…
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BMI application declined, but no search on my credit file
Hi everyone, apologies if this is a silly question, but this is the first time I've applied for a credit card as I have finally realised I ought to build a credit history (which may be part of the reason I was declined given that my experian file has no open accounts as my mobile contract is with virgin mobile who report…
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Help: Bankruptcy & Borrowing!
I took personal bankruptcy in March 2008 and since opened a joint account with my (new) husband - I have just heard that now his credit reports could be affected - is this true? We desperately want a new sofa(!!) but don't know if we can get credit - rather nervous of being turned down on a shop floor for such a huge…
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Card purchase
I paid for temp membership with Club La Costa with my Credit card. I have since decided that I had been lied to by the salesperson. There terms and conditions state that I have 14 days to cancel which I am well within. If i follow their proceedure and they don't refund me are the credit card company liable under Section 75?
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Help help help
This morning, I received a letter from Cabot Financial saying they were coming to visit me today. They haven't put any further details in this and I am unsure what it's about, but, by reading from other posts I think its a Barclaycard I held in 2005/2006 that I owe approx. £800 on. I took out PPI on this, and, didn't make…
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Account Number 00000000
My new Credit Card has an account number of 00000000. Is this correct? Not tried it yet but seems strange
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Barclays cc
Can anyone advise i had a cc with barclays about 8years a go on which i defaulted i have a current account with barclays i have an overdraft facility and a loan could they take money from my current account to pay my cc help please
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paying off cards has got me befuddled
Hi Everyone, My first post here although i have been reading and lurking for a while. I am determined to try and clear my credit card debts but Maths has never been my strong point and i am getting a bit confused about the best way to to this:( i have read the article about "snowballing" which seems very sensible but is it…
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Problems with Amex
Hi, After a serious accdient I lost my job while recovering. I have now got another role, and used CCCS to assist in prioritising my debts. Amex have been the absolute worst at stalking and communication. I sent across my CCCS information and offer, but they have come back asking for what I would call information they…
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Use credit card to pay off loan?
Hi guys, I just applied for and got an RBS credit card which has 17 months interest free balance transfer on it. They have given me a limit of £8000 which waaaay more than I need for my current credit card balance transfer. My balance on my santander credit card (0% coming to an end) is just under £1600. However I have an…
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Balance Transfer
I've done a balance transfer from one card to another, not a lot a few hundred quid. Moved it to my banks credit card (first direct) as on 15 month 0%. The amount has shown up on my banks credit card but it hasn't cleared the other cards outstanding balance yet, how long does this usually take?