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Nationwide credit card hidden charges
Beware, Nationwide are making direct debit authorities set up to pay credit card bills "dormant" without telling customers. If you then use your card, assuming it will be paid by a direct debit, they levy a £12 "returned payment fee" and a £12 "late payment fee" plus interest. Detail I have a NW credit card that I only use…
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Credit rating - confused
I've been registered with Credit Expert for some years now and have a rating of 999 - excellent. I was told that Barclaycard are doing a 0% balance transfer deal for 20 months, so I applied and got rejected! :mad: I've had the usual Dear John letter and found out that they use Equifax. I've just joined them and have a…
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can I use 2 credit cards to pay council tax?
I pay council tax twice yearly so nearly £700 is due 1st April. I'd like to use Halifax Clarity card to do my £300 for this statement period and the balance with my Tesco card, but can't find anything to say if this is possible. (I begrudge doing it all on the Clarity card when I only need the £300 payment to get the…
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Someone else appearing on my credit file..
hi guys Someone from my old address with the same first name and date of birth is appearing on my equifax credit report. Its showing really bad defaulted accounts from 5 years ago. Just wondering if this would have an impact on my credit file? i've contacted equifax but haven't heard back from them
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Credit card nearly cleared then disaster
I have been working hard at clearing two credit card debts, one at £4,000 and the other £500. Got the first one down to £2000 and the other one to £10, then one of my cats needed emergency dental work. The £10 card is now at £400 again.:mad:
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credit card default
Hi, advise please! I had a capital one credit card and missed 4 months payments in a row, so they defaulted me, I paid it of the same month it was defaulted, can I argue the default, and what kind of impact will it have on my credit rating, the balance was only £500 - stupid me I kn ow.....:p
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Help Please - Credit cards in dads name
Hi Guys, Im new to this forum and require advice please. My dad passed away a few days ago and through sorting all his bits out we need advice about his credit cards! ... they were all in his name about 6 with about 4,000 on each card. about 4 of those cards have PPI .. we need to look into wat kind of ppi he had. In my…
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Has my credit file been effected?
How likely has my credit file been effected? Quick story: Set up Littlewoods account. Bought items. Set up a direct debit to "never miss a payment" in their words. First payment due on 13th. Had a letter to say direct debit successfully set up on the 1st. On the 13th the payment was never taken from my account. Had letter…
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Identity Theft hard sell
Not long off the phone activating my Barclaycard card, they are really pushing the ID insurance, the operator put the phone down on me when I wouldn't accept his spiel. Any of you guys had the same treatment?
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Long Term Credit Building Strategy?
Hi everyone I'm new to the forum. I am a British national who has just returned to the country after leaving to live abroad at the age of 17 (I am now 26). I am now on a long term mission to build a decent credit history for my self from scratch as I have none whatsoever. I've never had credit in this country and I don't…
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Barclaycard credit limit increase
In January i got a letter from Barclaycard informing me that after reviewing my account they were reducing my credit limit from £2000 to £1800.Fast forward to today and i received another letter from them saying they would be increasing my credit limit to £3300 as of the 29th of April. The only thing that has changed in…
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Cashback credit cards
I was declined a cashback credit card when applying after reading about them on this site but the site never gave a reason. Is there anyway to find out why? I realise this may be posted in the wrong forum, apologies if it is. Any help will be greatly appreciated.
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apply or not ?
hi, has anyone experience in filling in a pre qualification form with barclaycard i've been told via phone i will get one but this was just somebody in a call centre i know this shows on file but doesn't count against you 1. is this just a ploy by bank to get you to apply as they don't care like we do if you're accepted or…
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H SAMUEL Store Card (Santander)
Hi Folks, I have had a store card from H Samuel for quite a while now probably dating back over a year now. I had purchased a few things on it and paid them off in installments. There was a balance of around £400 on it and I cleared it off in full at the start of last year and never used it again. Anyhow in October of last…
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Loosing 25% single occupancy discount on Council Tax because of live in-au pair?
Hi, Thank you for reading.. I recently divorced and moved away with my two children under 7y.o. to a flat; employing a live in au pair to look after boys whilst i am working. When I called local Council tax office and expalined the situation they applied a single occupancy in March 2010; however I noticed it was removed…
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Paying off a CC in Full - Discount?
I am refinancing (using Zopa!) and am about to clear off one of my credit cards. Is there any hope of negotiating a discount for clearing a card? Thanks, Bob
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Should a prepaid internet order cause a search on my credit record?
Hi, I know this isn't directly credit card related, but I couldn't work out which board to post it on, so please feel free to tell me where else to post, if there is somewhere better! I placed an order on the River Island website a little while ago, paid by credit card & thought no more of it. I have now however just…
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BOA minimum payment change
Hi, I have received an explanation with this months Bank of America CC statement informing me of a change in the way they are going to calculate minimum payments - there's a very useful tool to work out how much next bills minimum payment will be (going up by about £30!) - my question is if I dont use the card and pay only…
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Over limit query
HI all, My wife and I have a cashback card that we use for purchases and pay off by DD each month (wife is second cardholder) . It has a low limit (1500) but that does us fine and we also like to keep it that way to minimise any cnp fraud etc.. (despite the CC company keeping trying to increase the limit!) Anyway - we both…
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barclaycard and token payment
my son is out of work - temporarily - and has offered barclaycard a token payment of a pound a week, just until he gets back on his feet. they have replied saying it isnt enough to put the account on a formal repayment plan. and want all the financial details from him; income and outgoing, which is fine and by looking at…
