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Equifax credit report ordering problem
Hi I have been trying to order a Statutory report for £2 online for 2 days now and all I get is the error code Eval Code:- Status Code: FL, Reason Code: NMSS It stated that I need to call up so I have done that. Not Only was I on the phone for 30 minutes put I was tried to be sold the full monlthy report feed for £14.99.…
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HFO Services / CCJ
Im really hoping i can get some advice, i had 2 large barclaycard debts some years ago that i found hard to cope with £5300 and £7091. These debts were taken over by HFO and i received no contact since may 2007 so i stupidly chose to ignore. About 2 months ago i started receiving constant letters of the usual threatening…
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MSE News: Major changes for Egg customers as takeover completes
This is the discussion thread for the following MSE News Story: "The final stages of the sale of Egg were completed this week, meaning big changes for its 1.7 million customers ..." Read the full story: Major changes for Egg customers as takeover completes
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Tricky payment question!
Or maybe it isn't that tricky. I missed a credit card payment a couple of months ago by 7 days. I've had the card 6 years and pay it in full every month. I thought I'd paid it and got my new statement in the post and realised I had missed it. I called them and grovelled a bit and paid it online that day. On Experian, my…
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Natwest behavioural scores
I've been reading the posts about internal behavioural scores on the subprime credit thread. I bank with Natwest and have personal and business accounts. Natwest has an internal risk score of between 1 and 10 (1 being the best) depending on how accounts are run etc which is used alongside credit scoring for assessing…
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Credit Card Transaction Fee Query
Hi guys, I wonder if anyone can help me out with this. I recently made an online purchase for £198 and paid by credit card. Throughout the whole process there was no mention of a fee to pay using one method or another. The receipt I have in my inbox and printed out after the payment went through states the total is £198…
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Capital ONE
Have any of you had problems with Capital One. I recently applied on line and got through to the on line signature and told to await a reply in 7-10 working days or 2 weeks. Having waited over 2 weeks and having had no communication from them, I rang to be told the application hadn't been declined but cancelled the day…
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Credit card purchase protection
Hi and thanks for any help. I am in the process of getting solar panels and was just wondering about the credit card protection due to the change in Fits rates which could mean alot of solar companies go bust, although the company I am using seem very reputiable you never know for sure. I was thinking of paying the deposit…
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Bough faulty item on card and want refund
Hi This is my first post so hi to you all I bought a car battery from an auto suppliers shop in Peterborough 2 weeks ago It had 2 year warranty on it and on the recite she had wrote 2 years warranty on it I paid for it with my Visa Debit card 2 days ago the van wound not start coz the battery was not holding charge I know…
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How do I find out how many credit cards I have?
I know that sounds like a stupid question, but I'm having real problems trying to get a consolidation loan (£60k salary, £20K loan, repayments at 60% of my current outlay, bankrupt 25 years ago, no credit/repayment problems since) and I'm wondering if I have too much "available credit". Over the years, I have done the CC…
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Fraudulent Transactions
Have had 2 Fraudulent Transactions on a CC which showed on my statement , about 14 days apart each for around £50 , when i rang the CC company the adviser said i should email the company concerned and ask for the amounts to be refunded ! To give them 14 days to respond to the email and then ring back if no reply to request…
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Lloyds Advance Credit Card and Lloyds Bank
Does anyone know if it is legally acceptable for Lloyds Advance credit card company to share info on how you manage your credit card to Lloyds Bank where you have a current account as well?
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Expired Clubcard Plus Cards not being replaced
Tesco Bank appear to be in disarray again.... If you are lucky enough to have a Clubcard Plus (the green one) and haven't used it for a few days, check the expiry date to make sure it didn't expire at the end of October 2011. Mine did, as I found out today when trying to pay for fuel at a Tesco garage, which came as a…
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Stoozing: 0% card maxed out - what next?
I've maxed out my 0% purchases card and the 0% period is coming to an end in Jan. I paid into my ISA for the first part of the year then into an instant access savings account so I can pay off the card from the latter in Jan. I also have a card with a £1k limit and a fantastic 8.9% rate and I don't really want to cancel…
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American Express - furious at double payment of bill due to their system issue!!!
I am absolutely furious with AMEX. I paid the balance owed on my AMEX credit card last night using my debit card. On paying I was greated with an error message saying thet there had been an issue and the payment was unsuccessful. I tried again and was greated with another error message that "no further payments can be…
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Date of birth wrong on credit report ...
Hey all, I thought I had posted about this before but I can't seem to find where I did. The thing is, my date of birth on my main account is wrong on my Noddle credit report. It's down as my XOH's date of birth. Who do I write to about this? Any template letters? Might this have contributed to a recent credit application…
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Visa Debit Card Chargeback rules
I have had a claim rejected by Visa Debit as they say that there was not enough time within the 120 day claim period to investigate the claim. I was under the impression that the 120 days was the period from finding out about a problem to being able to make a claim. More time being allowed if it is an overseas transaction.…
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Vanquis credit card 59.9% APR - Proposal
hi there I’m attempting to rebuild my credit rating and also get out of the Wonga loop! I have no CCJ’s but I have a poorly managed credit history (many collection departments and debt collection agencies, which I’ve managed to pay off). It started many years ago whilst at University. Since then, as I could not get credit…
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Santander Zero credit card and cash withdrawals
Hi, I have a Santander Zero credit card. I want to know if I use the credit card abroad to withdraw cash from an ATM will I get charged anything. I always pay my balance off in full automatically via direct debit. So lets say at the beggining of the month I take out 100£ worth of Euros. Will I be charged interest on the…
