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URGENT!!! Restons & MBNA
I have a situation concerning MBNA and Restons. Basically I have had the Northampton Papers and rightly or wrong disputed the claim on the grounds that they never provided me a copy of the agreement. Since then Restons have written to me dated 25/2/11 - stating that they have attached of a copy of the agreement made in…
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Upgrade your account and get the most
I hope I'm writing in a right forum. Upgrade your current account on one of the pay monthly fee account would have more chances to get the facilities from bank like overdraft, loan , or credit card facilities. any comments. Thanks
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Capital One have increased me !
I receive a letter in the post today from Capital One and they have increased my limit from £200 up to £800 ! Considering that they rarely increase limits I am shocked that its been raised so much ! :j Maybe double to £400,but to raise it 4 times... ! It says that the increase will happen on the 30th March. Does anyone…
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Best way to swap
Hello, I've been "upping" my credit worthiness over the past couple of yrs. I started with a capital one credit card and £200 limit, my APR is 36% and my credit limit has kept going up and is now £3200. 9 mths or so ago I got a second card (barclaycard) with a limit of £1000 and an APR of 22.9%. I'm a single parent with 2…
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If I request to Reducing Credit Limit....???
Will reducing my credit limit on my barclaycard goldfish cc affect my credit rating? I received a letter the other day saying they were to increase my limit from 8.5k to 10k - I don't need such a large credit limitso was going to get it reduced to say 3k! I have had this goldfish card for 6 years now and did use to use…
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Dixons.com online order using credit card.
We ordered yesterday a computer online from Dixons.com using an MBNA American express card. The payment is shown as pending on my online cc statement. At the time ordering we were requested to provide a contact telephone for them to arrange delivery. I note today there were three missed calls on the mobile provided.…
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Credit rating and Disassociation
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Any Ideas?
I was in the process of moving my balance across. The account I am moving the balance ONTO does have a c/card however I destroyed it to avoid using it. I rang the company I am moving the balance ONTO. I was told I need the last 3 digits on the reverse of the card. I dont have them! I am then told to request a new card,…
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Should I still spend on my credit card?
I have a M&S credit card with a £3,000 credit limit. Having kept the credit card to it's limit for the last year and only paying off the minimum each month, I have now stopped spending on it and been able to budget and pay off a little more each month. I have read that spending on your credit card (and paying it off in…
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Barclaycard rate rise
Recieved a letter today saying my interst rate is going up on my barclaycard from 18.9% to 23.9 or cancel account and keep 18.9% is this a personnal thing or a widespread action so much for low interst rates are there trying to catch up with HSBC profits
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Unpaid Item Charge?
A question for any experts out there. Recently switched bank accounts (binned Santander and gone to First Direct) Not really been impressed by switch over process due to large number of companies ignoring new DD instructions from FD. (But that's another story) Anyway question is this. I have a Sainsburys credit card. First…
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Santander
I am fuming :mad: i have just applied for a credit card and Santander has marked us on experian, even though we have taken it up with FOS. Believe me do not get a credit card from Santander, we went to pay ours off last January after moving house the September before 2009, we wrote to Santander and they confirmed they had…
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Paying off the credit card abroad..??
Hi again, I have just closed my barclaycard account due to the fact they were going to increase my interest rate! Now i have a debt to pay and i am moving to Australia in 4 months, which is not enough time to pay it off. Does anyone know how to continue to pay off the card whilst down under. Any help will be great.
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Credit Card - Negotiating a better deal.
Negotiating a better deal on my current Capital One credit card that is. I've been with Capital One since April 2008 and in an effort to improve my poor credit score have a faultless account with them. I was actually quite grateful to them for granting a me a card back in the day when I realised how bad my credit file…
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Lttr to company re. S75 complaint - how to word?
Hello I have an ongoing saga about a S75 complaint. I contacted the company who sold me the goods, they ignored my letter and email. My credit card company refusing to pay out so its with ombudsman now. Also contacted Trading Standards and they have advised sending another letter to the company, recorded delivery, asking…
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AMEX cashback rejected
Hi Fellow moneysavers. Apologise in advance if I have brought up somethng that has been done many times before-doing this after eons.... I cranked up a £75 as a 5% cashback total with AMEX in the first 3 months-then didnt use the card much for the rest of the year but used other cashback card I had. Called up today to find…
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What happens to balances on death ?
What would happen to existing credit card debts, should the ahem... worst happen ? where do they pass to ?
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Credit Card Noob
Hi, Apologies if you've read this already - I posted it in the wrong place so I'm pasting it in here now as I think this is where it actually belongs! About 5-6 months ago I applied for a Capital One credit card in roder to try and rebuild my credit score (I had a below average credit rating from my mispent youth - no…
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Credit card tart needs advice.
Presently looking at transferring 3 balances I have which will total 10k to Capital one - they have offered me 0% rate over 15 mths. The minimum payment is 3% which I would struggle with. Is this minimum payment rate high?
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Credit Reference Agency Question
I have recently moved house, and want to check my credit file based on my old house without raising suspicions that I have moved (just a preference at the moment as I am still in final negotiations with a couple of lenders and dont want the fact that I have moved being flagged) I signed up an account, but as my billing…