-
can you close card with a balance?
A quick query , I have an Aqua card that I dont use, just pay some every month of it when statement comes and have transfered some to a 0% card. Am I able to get it closed and recieve the statement monthly still to pay minimum plus a bit extra until it is cleared. Will this have an impact on my credit rating negatively or…
-
Paypal and Section 75 (but Paypal account not used)
We do not have a Paypal account and bought an item (£186) from an online retailer who receives credit card payments via Paypal. The item was not suitable, and the seller's website (and DSR of course) allows a refund for returns within 7 days. Item was returned and seller attempted a refund to our CC via Paypal, but had…
-
Cant see balance on cashplus website
I have just logged into my online account with Cashplus and for some reason the balance is not showing and it says unavailable and cant not see any of the shops ive used it in. Does anyone who has a account with cashplus have the same problem?
-
B&Q did credit search without my knowledge
Hie, I am not sure whter this is right thread but i think its the closest. Basically we bought a house on mortgage in March and are renovating it. Decided to get a Band Q kitchen on their 0% offer. They told us that they could only apply one name to the credit application because of some responsible lending rule, which we…
-
Refusal to cancel Nationwide CC PPI
In February 2008 I cancelled PPI with Nationwide Credit Card Services in writing. Despite numerous followup calls and letters, payments continued to be taken and for many months Nationwide would neither admit nor deny receipt of my cancellation. I also learned that Pinnacle Insurance PLC would continue to take my money for…
-
4p Intrest charge = Black marks (visa)
Hi there, This is my first post here so hi everyone! :) Ok so the other day I found a letter from my bank in my back garden ( dated 22nd march) so I open it to find ' you have failed to make a minimum payment' on a balance of £0.04! So I ring the minefield of recorded messages & wait a good 20mins on the phone for someone…
-
Lowell Chasing me for Lloyds TSB card
Hi All. I am receiving letters from the Lowell group saying I have to pay my entire balance of £550 from my only credit card with a £700 limit. This smells fishy to me, I have paid £20 a month off every month since I had the card, and have never missed a payment. I have no late payments on my card statments or my credit…
-
Credit Card
Hi folks. Wonder if I write to my credit card company and explain my situation in that I suffer from mental health issues etc will my illness(s) be protected? Can the credit card company tell other lenders etc? Thanks..xx
-
Clearing Credit Card Debt
I currently have a Barclaycard amounting to £5750 and pay approx £150 p/m min payment. I wish to clear this ideally with a lump sum payment. I remember seeing a piece from ML about discussing this with the company and offering 30%-50% of current debt. Has anyone had a successful dealings with CC companies? Also I was…
-
Is there a Joint financial link ?
Hi, could anyone advise on financial links just applied for car insurance quotes(MY MOTHER IS MAIN POLICY HOLDER) via money supermarket and told only soft searches would be used and would only be visible by myself and not any future potential lenders(I PHONED MONEY SUPERMARKET TO CONFIRM THIS) 1. The key point to this…
-
Refused increase to my credit limit
I've just come off the phone to RBS after failing to increase my credit limit on my credit card. I'm finding it a bit bizarre as I have a low limit as it is and I've been paying off the balance each month for a good few years. I even did one of the £2 credit checks a few weeks ago which all looked positive to me. They say…
-
Credit Card Denial. Please help!
I have a Halifax One card and have done so for two years. My rate now is 17.9%. I have about £250 on it and pay £40 per month on it to pay it off. I just applied for a Tesco Credit card and Barclaycard (both with 0% on balance transfers (3% handling fee) and 0% on purchases for about 9 months each I think (or thereabouts).…
-
natwest credit card
Hi all, I have a standard natwest credit card, which I have had since 1987, But once i have paid the balance off next month (about £100 or so) i am thinking of cancelling it, as i have just got an M&S money credit card, so the NW one will be surplus to reqiurements.[sic] My question to you all is, if i do go ahead and…
-
balance transfer advice plzzz
i did a balance transfer from tesco to barclay card. it's interest free for 20 months. how do i work out my monthly payments? do they take out balance transfer fee on first statement? the first month seems pretty steep :eek:. it has no breakdown, just my minimum payment. t, x
-
balance transfer on closed account
Hi First post. Egg card have closed my account and did not replace my expired card. never missed a payment in four years but finding in difficult to reduce the balance. opened a barclay card to take advantage of the 0% period but they will not tranfer from an expired card. Do any credit cards offer 0% balance transfer…
-
Refund on credit card
Hi, At the beginning of the month I paid nearly £500 for a garden table and chairs set from B&Q using my Capital One credit card. To cut a long story short, we have now received 3 tables from B&Q, all of which have been faulty and have told B&Q to come and collect the lot and refund us. B&Q say the refund will take 3-5…
-
Credit Card - MBNA still fulfil transaction after account closure in June 2010
Hi Martin I had a credit card which I closed back in 2010 with a zero balance. This week I had recieved a letter of sums in arrears for late fees and interest on this closed account. When I contacted MBNA they told me that an insurance company requested a payment in January and they had to legally make the payment, even…
-
Hmm what to do?
Currently have 3 credit cards * Barclaycard platnium (Limit : £1550) - * Natwest Platnium (Limit : £1045) * Natwest Classic (Limit :£905) In August all the balances will be £0.00. However i want to make a purchase to the tune of £1200.00 in September. Ideally i want a 0% deal, as i only want to pay £50 a month for as long…
-
Second credit card with 0% on purchases
Hi, I'm considering a second credit card with 0% on purchases when I complete on my house around October. I have a few things such as white goods and furniture which will have a lead time on them and I don't want to pay immediately for them. I do have the funds I just don't want to have lots of debits coming from my…
-
MBNA demand for money
I had an MBNA card years ago and haven't used it for several years. I received an online demand from them for £150 this week. I have never done business with them online. I emailed back saying it was either a scam or an error. Has anyone else had the same ?
