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Rejected Halifax Clarity — Existing Infrequent Customer
I opened a Halifax account a few summers ago because they offered the Visa Electron card — useful to save money on easyJet and RyanAir flights (not anymore). I used it only to book a few flights a year, and transferred the money over from my main account. The Halifax Clarity would be great for me for spending abroad, but I…
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Balance Transfer to clear ODraft query
Hi all, A long time since I posted on here but just looking for some help as I've recently decided to get my s$*t together and restructure my debt to reduce it asap. I recently took out the 24 month 0% balance transfer offer from Barclaycard and had transferred my high interest cards to this and am now considering any…
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Inheritance Tax - Double Nil Rate Band ?
My Mother died January 2012. Her total estate is worth approx £500K. Her husband died in 1985 and left everthing to my Mother. I think she is entitled to 100% of her husbands IHT allowance at todays rate of £325K, plus her own £325K nil rate band allowance. But solicitor is telling me that the allowance was only £67K in…
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Norwich & Peterborough - Visa debit card?
What does the N&P building society's debit card look like, anyone have a photo? (I'm considering either them or Metrobank for spending abroad and honestly am picking according to which card is prettier as for everything I need they seem to be the same. Superficial, I know.)
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Tesco CC Direct Debit Issue
Hi all, I got a Tesco Credit Card in mid January, set up a direct debit to cover the minimum payment on the January 31st, received a letter from my bank on the 1st Feb confirming the direct debit had been setup. The first credit card payment was due on the 16th Feb. I got a text today asking me to call Tesco urgently about…
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Airline charges double, need to clear card before they will return the money
Help! Airline has charged me double on my credit card and they have decided it will take up to three weeks to return the money but I need to pay my card off before then and I can't afford to (extra £1500) . Any ideas what I can do in my situation. they have already made me go over my credit limit so I have been charged…
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Accessing money abroad
Hello all, I'm heading overseas to Arizona for a training course which will last around 3 months during which time my salary will be paid into my bank account back in the UK (RBS). I'm looking at credit cards as a means to accessing my money and I'd appreciate it if anyone has any advice/experience using a particular card…
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credit card interest
hi i know this is bound to have been covered in the forum somewhere but if i get taken to court by a credit card company [hbos] and after coming to an agreement to pay a monthly payment towards the outstanding amount, is interest still applied ? or would i just be paying the balance amount off at when i got taken to court ?
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Noddle Reports
Do you only get one free noddle report or what? I opened a noddle account a month ago and it gave me a report - all positive, everything looking good. I've opened a cashback credit card since and want to run another report. But I can't find an option that allows this? Do I only get the one out of date report? :undecided
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Good Old Ryanair!!
I've had a Ryanair Credit Card for 6 months now, and in line with their promotion, my regular use of it has earned me a 'free' flight voucher. I say 'free', I still have to pay for everything including taxes, fees, baggage etc, except the cost of the flight itself. I stored the voucher away until today when I wanted to…
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Credit card charges
Hello, I'm currently with capital one (one of the higher interest rate cards!), and I went over by £2.38 and they have charged me £12 for the lovely privilege. Do I have a leg to stand on when it comes to arguing about this..? I don't think it's really fair! It's just a few quid. I know credit card companies look at any…
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Halifax CC Final Setlement
Hi All I have a relatively low balance of aprox £900 on my Halifax CC at a very low interest rate for life of 2.9% (made more sense than the 0% when the 3% transfer fee taken into account). I am not in a DMP but have got the money to pay it off in full. Is their any chance of negotiating a reduced settlement based on me…
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MBNA Section 75
Hi All, A few weeks ago I was writing to MBNA re section 75 and a few of you helped me out - Thanks! I am hoping you can help me put further - they have written back to me asking all kinds of questions, some of which I think they are just asking to try and put me off or waste my time for example a copy of my credit card…
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Clubcard cc and Nectar cc
Need a new tv and don't really use my credit cards very often but find when I do it's for something big so last week I decided to apply for the tesco clubcard credit card and the nectar credit card. Cancelled all but one of my other cards, my intention now is to buy the tv from amazon via nectar website to gain points, I…
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New card from Aqua?
I received the letter from Aqua last month to say it was changing over to Progressive Credit from 1st March 2012, as part of that change the card had been rebranded and new cards were being sent out. Has anyone seen one of these new cards yet, or received it??? I have still not received any new card yet, I know it said…
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Can't opt NOT to have CC statement sent by post?
My credit card company (the Co-operative) suddenly started sending me monthly credit card statements in the post after I'd opted to go paperless. (I check my statement online at least twice a week). When I challenged them, they said that they now have to send out paper statements by post because the FSA now insist upon it.…
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Compensation offer from Credit Card company
I closed a Lloyds TSB Credit Card in November of 2011 after settling the balance in full on 9th November. I applied for another credit card earlier this month and was very suprised that my application was rejected. I phoned the new card company and asked why and was told that they should not provide specific details but…
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OPUS/Progressive Credit ltd - Refuse to pay my credit balance to me?
Hello all, I've been subscribed to the mail for a while, but never used the forums before. In a nutshell i'm performing what is termed 'stooging' on this site. Ive Taken a new Nat-West card last month and overpaid my Post office (bank of Ireland) Credit Card and Opus (Progressive credit) cards, in order to clear the…
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What bank runs the Homebase store card?
Just need to write my creditors down, just wondering who runs the Homebase and Argos store cards. Also the priority club rewards visa. I think all 3 are Barclay, but im not really sure tbh. Anyone got any links or something that would help me decide? Thanks.
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Credit card re-applications
Hi all, I am new to the forum and have a quick question that is puzzling me. Last year I applied for 2 credit cards and got declined for both of them. I then joined Experian and found out that was because my credit score was low. I have since got it up to 'good' and wondered if I could apply for the same credit cards…
