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Halifax CCA - Is it unenforceable!!??
I had taken out a Halifax credit card online in September 2006. I know there is a lot of people asking about missing prescribed terms in order to deem the agreement unenforceable!! When I read through my original agreement I have noticed the following; a) Lender has failed to sign and execute the agreement b) No credit…
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Transfer DH's balance to my credit card?
Hello. We're paying off two credit cards at the moment but want to move both balances to one 0% card. This is purely to cut down on admin - there isn't a problem with him getting his own card! Is it possible to transfer my OH's balance to my card or does he have to apply for his own?
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Co-op Cashback Credit Card
Hi Everyone Does anyone know when the cashback is paid on the Co-op Credit card? thanks!
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If I pay off a card...??
I have quite a bit of cc debt to shuffle around to a 0% rate. I could play a small balance off of a Nat West card( limit £3000) OR Same on a Tesco cc card with a Cc ( limit £1700.) Which of the above card issuers would offer a good long 0% as soon as the balance is zero ? baring in mind I would not be a new customer. I do…
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First Credit Card
I'm completely new to this so I don't know if it has already been covered but what is the best credit card to get if it's your first one? I've just dropped out of university and have a part time job that pays well but I'll be starting a new uni course in September. I just want to get a credit card so I can start a credit…
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reclaim unfaire credit card charges from over 6 years
Hi, Still unsure reading similar posts on here and from Martins blog. I'M i entitled to claim back unfair credit card charges from just over 6 years ago or not? I have all the details about the account. Cheers Fei
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Old Credit cards
Is there anywhere i can check what credit cards i have but don't use anymore (ones i took out when i was younger) as i am wanting to cancel them. Or do they cancel themselves after so long? xx
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Which CC to apply for?
DD is 19 and a uni student. And as such has no credit history. Does her bank account count in that respect? it has no O/D facililty. She is on the electrol roll. We was discussing her future and thought now might be the best time to start building her credit history, so when she does leave uni it will already be…
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Ccj confusion. Please help!
Long story short, I am 21 years old, and a bitter ex has taken a ccj out against me without my knowing and has been harassing me for the past year. I've been in the process of setting it aside but recently paid him the money so i could get rid of the threats and difficulty it has caused me. Once satisfied, will the ccj…
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BOS repayment letter query?
I've agreed to pay BOS £100.00 a month to try get back on track with my payments, this is after i've sent them my finance sheets etc. They've accepted my proposal and wrote to confirm it. But on the bottom of the letter they've wrote: 'All automatically paid subscriptions (such as Sky, mobile phone) must be cancelled…
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Victimised by RMA/Egg/Barclays
I had a egg credit card and november 2011 i was contacted by RMA and offered a settlement figure which i accepted and paid £1800 against the balance of £4888. RMA told me the remaining balance will be written off. at the same Barcalys purchased Egg. and barclays started issuing new credit card to replace the egg card…
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Purchasing in USD?
Hey all. If I buy something in USD on my Halifax Mastercard, will it be converted and charged in GBP based on Halifax's rate for the day? Thanks :)
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Can you pay an overdraft off using a credit card
Hi I have never used a credit card before but would like to pay off an overdraft by putting it on a 0% interest credit card as the interest I am paying each month is around £20 a month to my bank. How does this work do I just pay the minimum payment to the credit card and maybe pay a bit extra to try and clear it. Not sure…
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Credit card protection using several cards
I have a quote to do a loft conversion. It's going to cost around 38k. Does anyone know if I can get section 75 protection if I spread the cost over several credit cards? Also as it is over the 30k maximum amount that section 75 provides would I still be protected for the first 30k or is this actually not covered at all by…
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Balance transfer
Hi all, I transferred over a balance from Barclaycard over to HSBC , my balance is coming up on both accounts , i requested the balance on Thursday Help ?
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Getting in touch with AA credit card. 24 hour line .... shuts at 5:00pm??
http://www.theaa.com/aboutaa/contact.html#tabview%3Dtab3 I called AA last week who told me to call today regarding a refund of £350 back on my account which i closed 2 months ago. So i call the 0800 number. Sorry this department shuts at 5:00pm. Why say it's a 24 h our line then?????? So i call the 0845 at the top, which…
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tesco credit card any offers around?
Hi i'm thinking about getting a tesco credit card does anyone know of any offer codes or promos for extra points or stuff;) if i'm in the wrong place please move me:o cheers
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Santander Online Banking Fraud, Compensation?
Hi everyone, I recently found out someone had got into my online banking account and stolen £900 and attempted to steal another £900 (the latter of which I was able to cancel). I have complained to santander due to their poor service and wonder if I can get some compensation??? Here are my problems/reasons for…
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Halifax letter ruse to make you phone
This morning I received a letter with my Halifax Branch letterhead asking me to call about my account. They said that that had been unable to contact me. Well this got us pretty concerned as we are retired, so are in much of the time, otherwise we have a BT answer phone. When I called the number in the letter I was put…
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get my bank to give me a credit card
If I approached my bank 6 or so months down the line with a current account holding several hundred £ for a few months (this being after the monthly turnover of wages in, rent and bills out) an overdraft of £250 not used and my Vanquis CC paid off in full every month, having held the card since February - how likely do you…
