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Pensions
Hello I am 59 yrs and have just been made redundant and cannot decide which pension offer to take Pension of £11,442.10 plus a lump sum of £65,157 Pension of £14,978 plus lump sum of £14,000 Pension of £18,285 reducing to £13,190 in 2016 (when my oap kicks in) plus a lump sum of £14,000 The pension is linked to…
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Credit rebuilding - next steps?
Hi guys, Hoping that someone here can give me a touch of advice please. I'm looking to try to rebuild and strengthen a credit reference file for myself, as well as create some kind of useful file for my fiancee. Here's how things stand currently: Me: 2 defaults; 1 late payment; 1 arrangement to pay; 2 clean bank accounts,…
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Halifax Clarity - application process?
Hi all - Like many others, I've now officially decided to cease all dealings with Nationwide given their removal of fee-free foreign transactions. As part of that I've applied online for the Halifax Clarity credit card. My credit rating is excellent so I'm hoping to get the 12.9% rate. However, on completing the…
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Virgin Credit Card Change in Minimum Payment Calculation
Hi all Can anyone help me please? I've had a letter from Virgin credit cards to say they are changing the way they calculate minimum payments on their credit card. My minimum payments will nearly double! I don't use the card and am trying to pay off the balance. I rang them up today to say I wished to close the account and…
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Rate jacking query
Hi all Just wondering how much influence the card providers have over the card companies in terms of jacking. I have NatWest Advanatge Gold duo visa/ mastercard, just wondering whether I tackle my bank manager over the proposed rate rise to 22.47% due at the end of March. I know this is following changes to legislation but…
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Credit Card Default
Hi there, this is my first post so apologies if it is in the wrong place but I am sure, having read several threads, you will be able to point me in the right direction. My partner recently defaulted on a Capital One credit card and have now started receiving letter from Debitas (Capital Ones in house collection agency) We…
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Using Credit Cards Abroard
Hi all, 1st time poster so please bear with me. I'm off to Japan with two friends later this year and we are looking to take a credit card with us to use whilst there. Hopefully one in my name and two other cards with named users on the same account. After looking on this site, the Halifax Clarity card seems to be the best…
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Equifax issues, credit card application rejected
My husband accidentally went over the limit on his Virgin (MBNA) credit card. It was a stupid, careless mistake, but it cost him the 0% introductory rate. So now we need to transfer or pay off a £4k balance asap. He's gainfully employed and has a clean credit history. No serious debts, all accounts up to date. But he just…
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Checking credit file
Hi, On http://www.moneysavingexpert.com/loans/credit-rating-credit-score#check it says you can check your credit file on the free trial, and should do so every year or so. I last checked my credit file just over 2 years ago, and thought I'd do so again, so I went to CreditExpert and tried to sign up again, but as I'd…
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Yorkshire Bank credit cards...do they 'relationship score' or credit search?
Hello guys/gals, Had an a/c with these guys since last August. 3 wages gone in for FT job so far. I have no adverse at all on my credit files. just been aproved for Aqua & Vanquis which I intend to pay off in full monthly to improve my score. Do you know if they 'relationship score' based on income/conduct etc or if they…
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Transfer balances from RBS visa to Virgin
Hi, I am looking for some advice. I have just been accepted for a virgin credit card to do a balance transfer from my RBS Visa. The information said that I cannot transfer from one MBNA card to another. Does anyone know if RBS visa are part of MBNA? Thanks
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MBNA Minimum Payment Increase
Like many people I've had a letter from MBNA saying that the minimum payment will be increasing. I just wondered if I have a right to reject the increase as it is a "change to the terms and conditions"?
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Help: what impact will this have on MIL?
I have tried searching the forums for an answer to this but didn't find anything so apologies if someone else has already dealt with this. My BIL(to be) is unemployed having been out of work since October 2010 when he broke his back. He moved back in with his mother, step-dad and half brother after an operation to repair…
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which pre-payment card?
Sorry if this is in the wrong place.. well i'm sure it is and if anyone could re direct me that would be great thanks. I have a credit history that is in my mind perfect but not as far as banks etc see it. I have heard that a pre payment card will 'build' my credit rating, but which one to go for.. any advice from you…
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Minimum payment on 0% cards
At the risk of being very stupid does anyone know how the mininum payment is calculated on a 0% card with balance transfers. Looking to put about £7k on new card. :doh:
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Whats happening with my account
Sorry about if i am posting in the wrong section. I have a current account with Barclays since august 2008 and salary goes straight into my account which is more then £1000 each month but i earns more then 27k a year. I never had any overdraft or any credit card with this account from barclays, i went to discuss this…
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Ppi
Hi all. I have a credit card via Barclaycard. I've had the card for at least 16 years and when I took it out I was adviced to get PPI. I recently tried to claim the PPI back but was told the product wasn't mis sold. So two questions a) Should I reject this decision? b) Can I stop the PPI, I have alarge balance on the card…
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Money concern: going to Japan
Hello, I'm going to Japan in 6 weeks (for Easter) and i don't know which plastic to take, or travelers cheques or what. Everything is so expensive over there, and apparently it's still very much a cash society. I have FlexAccount from Nationwide with their VISA Debit card. Everytime i go in one the branches they offer me…
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automatic credit limit increase
I've had calls from several companies offering (for a price of course £495 per card) to cancel my credit card debt on cards I took out before 2007 with a balance of more £1000 outstanding. They are claiming this is possible under the Consumer Credit Act 1974 vis a vis where the companies have automatically increased my…
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loft conversion
i need £2500-3000 to do my loft conversion and someone said use a credit card as it can be cheaper than a loan. i would be paying it back over 2-2 half years, any help much appriciated
