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MBNA PPI claim not covering full balance?
My dad has been on long term sick for nearly two years. He had three credit cards and successfully used the PPI cover to make claims on all three. He has not used any of the cards since initiating the PPI claims so was under the impression that the balances would eventually be settled by the PPI insurance if he is not able…
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Aqua question
Hello everyone :wave: In order to rebuild my credit score I applied for an Aqua CC two days ago which I intend to use for only 1 or 2 small purchases which I will pay off in full every month. I passed the initial check and then completed the indepth questions which followed. After waiting a few sections I was informed that…
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M&S reward vouchers, anyone had the latest ones yet
Just wondered if anyone had had their reward vouchers from their credit card spend though yet? We have a new postie and everyone seems to be getting mail for other houses, so wanted to check if anyone had theirs through yet? Many thanks
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Is this a good idea
Hi all, avid fan but first post.just hoping for some advice really. Let me begin. My OH and I are looking to redo our kitchen asap.we were looking at personal loans but after reading some info here we decided that using the credit card I have would be a better idea. we are planning to use less than £3000.I have 2 credit…
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I need a little help with understanding CC
Hello all, I got my first Capital One credit card the other day. I got this one; http://www.capitalone.co.uk/creditcards/progress-credit-card.jsf I've got a £300 credit limit and I see this as a great way to hopefully build my credit rating with small purchases. I have spent £2.50 on it to date :j ... do I improve my…
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help 3rd time now
:mad:been on holiday as a family to spain and three people out of the group have had credit card transactions out twice when using pdq machines banks have said we have to phone spain because it was a single transaction taking out twice and its at there end not the banks this has happened in 1 area who is responsible as for…
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lowest min repayment card
Hello, I'm after a new 0% card but I need it to have the lowest minimum repayment as I want to use it as a deposit for a car so ideally like £5 not a percentage as the deposit is likely to be £4000 so a min 2% repayment would be £80! Any help much appreciated Chris
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First credit card advice
Hi I'm looking for a little advice. I am 37 and have never had a credit card. I have no debt and have always associated them with debt so have avoided them till now. I have however had a few things on HP in the past (10+ years ago, never missed a payment ever), but nothing for years and I'm concerned that because of this I…
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Credit card statement - when?
Hello, I've got a new Barclaycard Initial. I haven't received any statements yet - apart from the first one which appeared on 15 June, few days after I'd opened this account, and shows £0 to pay as I didn't spend anything during that period. My question is: when will I receive the nest statement? Every 15th of the month?…
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Barclaycard Fee - Appear on credit report?
Hi - does anyone know if a returned direct debit fee of £12.00 will show on your credit report? Situation is someone made full payment of the balance due by bank transfer. They had switched banks and the direct debit had not transferred in time (hence why full payment was made prior to the due date). Barclaycard charged a…
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Credit gone???
Hi sorry don't know where to put this? I'll try and keep short. I had a mortgage 3 yrs ago, me and my ex split, I had an amazing credit rating, had people trying to give me credit left right and centre. I've got premium bonds and £4000 in an ISA and 4 bank accounts, I walked into Lloyds the other day and had no issues…
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FairFX Mastercard problems - Beware
This card does not always work at innopportune moments. When Ive been travelling across the country (Argentina) and used it to buy petrol it has been declined even though its loaded. I have a big problem with them ongoing for the last two months. My car insurance payment was deducted from the card but FAIRFX insists that…
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New Format Barclaycard Statement
Just got my first "new format" Barclaycard statement. Anyone else think they have made a complete pigs ear of it? Took me a moment or two to locate where they had hidden the transaction listings (reverse side of page tucked away in the top left hand corner!!). And what's with the upside down envelope?
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money laundering & credit documentation for Post Office credit card
They want to see: Passport Phone Bill Bank Statements Payslip It says you can take photocopies to a post office and get them verified before sending. That's fine for the passport and wage slip, however I do not get paper bills for the virgin phone line or npower electricity bill, so I have to print off from internet. Also…
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Help with Cap1 balances!
Hi, I had a positive balance on my Cap1 due to winning some money online.I have continued to use the card and my balances are like this... Credit Limit £300.00 Current Balance -£187.43 Available Credit £300.00 Cash Available £65.00 Amount Overlimit £0.00 Can someone please explain as simply as possible what this means ?…
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late payment fee for paying on the due date
can anyone advise me, i have been charged a late payment fee on my credit even though i made the payment by debit card on the due date. The minimum payment due was less than £10 and i paid £50 to try to clear the debt and not pay to much interest. Even though i made the payment on the due date the card statement has that i…
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Section 75
hi i part paid for cosmetic surgery in 2009 on my credit card, this is now showing signs of faliure, i have proof of surgery and proof of payment but no documents for warranty and terms and conditions, which the credit card company are now asking for, i was clearly sold somthing, believing it to be somthing else, so i now…
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Need help with an MBNA card
To cut a very long story short. I was main redundant in March last year, managed tp pay my cards on min payment. Finally had to advise the credit card companies regarding my situation towards the end of last year. They allowed me to make a min payment agreement of £1 a month. I then got a temporary job on a much lower…
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Should I cancel payment protection cover?
I have a Virgin credit card, it is at the limit but I am paying the minimum and any extra that I have at the end of the month. Of course they charge a big interest. I have tried to get another 0% but refused. What doesn't help to pay much off, apart from interest, is the payment protection cover. Is it worth keeping it?…
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Ppi
I'm not sure if I'm in the right section, so accept my apology if I'm not. I was watching TV and an advert came on for one of those companies who claim back, on your behalf, if you've been missold PPI. Now I have had PPI on my VISA card for at least 15 years ( I think...I can't remember exactly). I never asked for PPI,…
