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credit card settlement payment
My bank had put on a interest free protection plan for my credit card as i couldn't afford the normal payments. They have today advised me i can make them a one off payment that would settle the card in full (£4000). Has anyone been offered this? if so what offer would the bank realistically accept on £4000?
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should credit card pick up the tab
Goldtrail Travel goes bust ....credit card company says claim ATOL ....ATOL pay £327 but total bill for flights was £389 difference being £62 ....who picks up this tab ? I think this is due to total cost of flights and the difference is seller -Travel Republics proffit ..... Should the credit card company cover the…
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Unsolicited Tesco Credit card
Sorry posted in error
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Lloyds TSB Over Limit Charge notice period
I have just been charged a £12 over the limit charge even though at no point did I go over my limit and nowhere on my statement does it show that they plan on taking this charge. I phoned up and they have put the £12 back in my account or will do within in the next 3 working days, My main question is do they have to inform…
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Cashback credit cards
When looking at the cards on this site I am wondering if this would be right. If your average spend is £5-6k a year the HBOS clarity card (having the reward account as well) would give you a combined cashback of £120 surly on the above spend this beats every other cashback card?
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Balance Transfer Question
Hello, I currently have approx. £4000 on a Barclaycard with approx. £2000 at 6.9% LOB and approx. £2000 on the standard rate of 16.9%. I've just been accepted for a Tesco card with a £2000 limit and with a 0% deal for 9 months. If I transfer over the maximum that I'm allowed (95% of limit) will it take it from the highest…
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Transaction type query?
Morning all , Wasn't sure how to title this one really. I currently have an old natwest loan which is handled by FCM - first credit management. I pay them monthly and the balance of the actually loan is just under £7500 , they have offered me a settlement figure of £3250 if I can pay it in full. I don't have a lump sum…
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Which credit card help !
hi all, im not a massive credit card buff so its all a bit overwhelming seeing all the various ones now on offer. I currently have the MBNA platinum visa which i get nothing in rewards or cashback and would like to change this to something which offers me something back. Im having some building work done shortly and wish…
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CC repayment plan - please advise!
I'm new to this, so please bear with me. I have a MBNA card - interest rate 5.8% - payments up to date. Balance £6000 approx. I have a Barclaycard - interest rate 8.6% - payments up to date. Balance £3000 approx. I never use these to spend on, they are hidden away so I don't use them. I have a Tesco loan - interest rate…
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Virgin payment from debit card failed, late payment as a result
I received my Virgin credit card bill today and was very surprised to see a late payment charge on the statement, as I was convinced that I had made a payment on the previous bill. I always note down on the bills the amount paid and the date of payment for my records. My records said that I had indeed made a payment on…
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Judgement on my credit report that is not mine
I have just joined experian to run a credit rating score check on myself as I am interested to see the result and there is a Judgement listed on there that is for £10,200 that I have no idea what it is for! It is down as being there since May '09 at my old address that I moved out of in Feb '09. How do I find out what this…
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Paying off credit with credit
Hi everyone! I have £700 on a 0% credit card, there's 6 months left of the 0% I have also just been accepted for a credit card with 0% on balance transfers for 9 months, and 0% on purchases for 12 months. My question is if i were to pay off the £700 with this new credit card, would that be considered a balance transfer,…
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Trying to get Egg to remove incorrect information from credit file
Egg have recently messed up and changed our address by mistake. The first we knew about it was when we couldn't log onto our account as our postcode didn't match their records. We phoned up but couldn't go through security as they had different information so we had to write to them and give our address which they promptly…
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Regarding new minimum payments Virgin CC
Now virginmoney are changing the minimum payments which will now be interest + 1% of outstanding balance, does anyone know how to enter this on the snowball calculator?
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Help with MBNA!
Moneysavers, I had a credit card which i've just recently paid off. I called them today because even though it was paid off the took a direct debit for £25. I had set the direct debit up to take the minimum payment and had not been checking my statements very regularly because I knew the balance on there and I was not…
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When to re-apply for credit
I don't understand - I have an Experian credit score of 877, which is 'fair' but on the very cusp of 'good'. I moved house in Oct 09, which reduced my score, annoyingly, though lived at my previous address for ten years. I allegedly 'defaulted' on a current account for two months 15 months ago (the reality was I went over…
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Halifax Clarity Card I think?
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probs with Post Office CC
Hi all MSEers, 1st post, so be careful with me! I'm having some serious problems with Post Office credit card, which has now resulted in a debt collection agency and my card being cancelled! :mad: Brief history: August-ish 2010, PO CC claimed I had missed a payment, dispite me paying by cheque at a Post Office. Phoned to…
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Whats the Cheapest Card to Use Abroad
Hi, I am going to New Zealand for three weeks and was wondering what is the best way for me to bring money? I see on this site there are some recommended specialist travel credit cards like the Halifax Clarity. I was planning to get one of these and put all my money on it before I left so the card would be in credit and…
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Paying off the whole balance...
Hi.. I have a Virgin Credit card that is virtually at its limit. I pay the minimum payment every month and 98% of that is just interest and the card balance goes down by pounds every month. I am now in a position to pay the whole balance off and I am wondering if I can ring them and negotiate a settlement deal. My balance…
