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Irresponsible lending by looted? Advice really needed
Hi, my husband banks with lloyds Tsb and has had an £8k od for years at it's max. I have received family money before now which we have used to pay it off but our outgoings are more than incomings so it it maxes out again and again. We have consolidated our debts before now but last year my husband was made redundant. He…
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Who are you banking with and why?
Dear Forumers, We’ve talked a lot about credit cards, but not much about debit cards and current accounts attached to them, so my question is “Who are you banking with and why?” My current account (where my salary goes and DD are taken) is ‘Lloyds TSB with Vantage’, because they pay 4% interest (-Tax) on a balance between…
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Barclaycard pulse
Hi Have Barclaycard discontinued their credit card with built in Oyster. I've googled but none of the links seem to lead anywhere.
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Monthly repayments question for newbie
Hi! I've had problems applying for a credit card as it's my first and just moved so not yet on electoral roll (applying at the mo!) I am now thinking of applying for an aqua card but the jargon is really confusing me! If I spent £300 on the card and intended to pay it off in 6 months (i.e. £50) do you know how much…
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Egg card - Potential Security Risk letter
Just a query, I've had a letter from Egg (it looks official - correct details etc) saying that "As part of our ongoing security activities to protect and safeguard your accounts, we have identified a potential security risk on you Egg Card." They go on to say they are going to block my account as a precautionary measure…
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RBS/Ulster Bank Credit cards
Hey all, Just wondering if anyonw knows how limit incrases work on RBS/UB credit cards? I got one in Jan and with a low limit just wanting to know how their internal scoring works etc thanks!!
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CRA - No info
I applied to the credit reference agency's for my info Experian and Call Credit sent them and have all relevant data however just got Equifax file and is says "we have no data for you at this address". Checked the name and address all fine only thing i can see is the postcode has no gap between the first and second part.…
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M&S credit card
This is a pointer for those of you, like myself, who have applied for the above, and have been declined.... My story started last week, when i orginally applied, as i want to buy a PC with it and take advantage of the 15 month 0% finace they are currently offering, as I want to buy an iMac with it. Fast forward to today,…
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Balance transfer question
Does anyone know when doing a balance transfer on a credit card does the card have to be in the same name? My husband has a large amount owing on a credit card and we want to get a 12-16 month 0% apr so he can use he 50pound payment each month on paying a balance not interest!. However he is useless and to avoid him…
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Vanquis LOL moment
Just received a text message on my mobile from Vanquis: Vanquis a/c xxxx current balance £301.25 Avail credit £198.00. If not already paid please pay at least £0.00 to reach us by 09/04. Info at 02/04 00:00
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Lloyds Credit Card Limit Increase Feedback...
Hello, Just wondering how you peeps are getting along with your Lloyds credit cards and any increases? Do they likely increase at 6 months or what has generally been the case with those with cards from Lloyds?
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loan onto card?
:wave: Hi everybody I'm new to the forum but have been using the site for years now, thanks Martin and team. I have a question I was hoping someone could answer, Can I 'balance transfer' a personal loan onto a 0% credit card? I have about 5k outstanding on a 7.2% personal loan and would really like to get it paid off…
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transferred too big a balance - use as cash?
Hi All a couple of months ago i got a new 0% barclaycard so transferred 2 existing balances on to it. completing the transfers online i was told that there was a problem with one of them so i did it again a few days later, no worries. what seems to have happened is that the transfer has gone through twice, so my old card…
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How Will My Credit Rating Be Effected? can I still get Credit?
Ok, I applied for a credit card with my bank, I have a good credit score and all lending with my bank. I was thoroughly confident I would get it, however an employee logged into my system and made a hash of my address and did not rectify it. I got declined due to a "low credit score" as they had credit checked me at this…
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When 0% Isn't Free.
I'm somewhat peeved at Barclaycard, and wondered if anyone else is aware of this little trick that they've played on me. I always clear the spending on my Barclaycard like a good little MSE soldier. I've been moving around a 0% balance whilst paying it off and decided to go with Barclaycard's 12m 0% offer for existing…
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Mint Complaint
Hi, I wrote a complaint to Mint about 2 months ago now as I was never getting replies from them when contacting them and there was a security issue on my account which they ignored when I called them. Finally, after sending in an official complaint, I got a letter back from them saying they had received it and were…
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Inform Halifax about use of card abroad?
Hi all, As recommended on this website I have a Halifax Clarity card for use abroad. Do I need to phone Halifax to say I'm going to be using it abroad to avoid it being rejected or temporarily suspended or can I just go ahead and use it when on holiday? Thanks for any (relevant) advice, Ben
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should i do it
i currently owe 2k on a credit card but am paying it back at 400 a month roughly but now have had my car insurance come in at 600. i want to keep paying off the debt so dont want to take money out that payment set up i have to pay it. do you think if i got something like a tesco credit card put the 600 on it and payed it…
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Credit Rating problems and complaints to company please help
hi there, I wonder if someone can give me some advice regarding improving my credit rating. It is currently at 331 'poor' using equifax's online service. I have all of the things you would expect that a 24 year old could use to keep the ratingbest as possible; a 7 year old bank account, no problems with accounts, electoral…
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section 75
I've read about people using/quoting section 75, what is this & when do you use it?
