-
Natwest Platinum Credit Card Problem
Hello Guys, Here's my story - I signed up for a natwest credit card just before Christmas, for their deal at the time that was 6 months 0% interest on purchases and something crazy like 20 months 0% on balance transfers. My credit limit was 5850. I recently set up a direct debit, and when I set it up I was told it may not…
-
Credit Card at 17 Years Old MBNA
Hi All, When I was 17 years old (Approximately 8 years ago), I was in an airport about to take off to Florida. At this point a lady approached me who worked for MBNA..She sold me all the benefits of MBNA and then asked if I would like to "Sign up to receive the offers they had". As a naive 17 year old, I just signed on the…
-
need a little info please
Not sure which forum to put this as its not really credit card or loans as such, so hope someone can help. Basically my stepson has been using a basic account with santander, he has had his wage go in there for around 18 months-2 years now, he went to HSBC today to open another account but was refused...he was quite…
-
lloyds tsb credit card help
Hi, Sorry if this has been posted before or similar but I had to ring up lloyds today to make a payment to my credit card. The man asked how much id like to pay and I said £50, and was told that the maximum I could pay today was £37.15?? I asked why I couldn't pay the extra to decrease my balance and he said that I was…
-
Experian taking ages......
Hello, I have received my confirmation letter to say I have been added to electorol roll from the 1st Feb. I have called credit expert 4 times with my polling number, but they still haven't updated there records that I am on the electoral roll. Has any body else had this trouble, I am getting so annoyed! Also they say my…
-
Credit Card Breach Of Contract
Hi All I have had numerous phone calls lately about getting credit card debt written off. I was under the impression this ended in 2010? The company in question which is listed on the justice website say that due to contract issues such as irresponsible limit raises, and unsigned contract changes we may get the balance…
-
can't get credit card
I have had a credit card with HSBC for over 25 years, I always pay full amount off each month, never been problem. I am moving to Co op bank now which will not give me a credit card because "I do not earn enough." I am retired, have money in assorted savings I live on plus a mortgage free house, why can't I get one,…
-
Barclaycard changes classed as spam
Barclaycard sent me an email to tell me about some changes to terms/conditions. My spam filter rejects any email that's apparently from a bank, so I can't read it. I thought it was spam, but Barclaycard cofirmed they sent me an email. How stupid is that? I've asked them to confirm (in writing, not phone or email!) that…
-
Help rebuild my credit history
Ok I need help, about 5 years ago I was very stupid and got myself into an awful lot of debt with credit cards, personal loans, payday loans, etc. All ran into arrears, most had defaults issued in 2009. I finally sorted my self out and went with pay plan. When others were telling me to go bankrupt, I said I wanted to pay…
-
Card fraud
When you buy online with a credit or debit card, what's to stop a dishonest employee/company using your card details to pay for stuff over the net? Sometimes transactions are made more secure by asking for your mastercode but not often. Asking because I just had dealings with a company which I have a bad gut feeling about…
-
Barclaycard unable to provide credit agreement
As part of the PPI process, I asked Barclaycard for a copy of my credit card agreement. I owe money which I am paying back every month. However, they have written to say "we are currently unable to provide a copy of credit agreement entered into. We accept we are therefore prevented from enforcing agreement". They have…
-
Sainsbury gold card
A top card for use abroad. Is it? I used ATM to draw cash in India with the hope that £5.00 fee I pay will get me charge free cash. But No, the ATM charged me about £2.70 per transaction. The response from Sainsbury was that foreign banks can charge as per their rules it is only that we ourselves apply no charge. This can…
-
Moorcroft (Egg Card) offered a 75% settlement
Moorcroft have written offering a 75% settlement on an old Egg Credit card - to be paid within 14 days. The balance is roughly £430 so the settlement looks at about £319. Should I be going back to moorcroft offering something less? Like 50% or is this a good deal and should I grab it? As it happens I will be getting a…
-
John Lewis Credit Card - Introduce a Friend Incentive?
Hi all, Not sure if this is the right forum but if not, apologies and please shift as you think appropriate. I am thinking of switching from my Marks and Spencer credit card to a John Lewis and was wondering whether they operate any introduce a friend bonus schemes? Had a quick search on the referrers board but I couldn't…
-
Barclays closed my Platinum account HELP!
Hi, I signed up for a Barclays platinum account. They sent me the card through the post etc. I cleared £2500 of money on my interest thirsty credit cards doing a balance transfer which was successful. I then received a letter through the post saying that my account no longer meets there lending criteria and my account has…
-
Time to try for a better card? or wait longer?
I am thinking about trying to get a better card with a better APR, even though I pay in full, if I did need to make a bigger purchase I would get hammered with my current APR's. The plan would be to replace one of my existing cards with a mainstream card. Is it worth giving a go yet or best to wait a bit longer? My credit…
-
Help regarding Credit Card!!!
Hi guys and gals!! Myself and my partner are going on our honeymoon soon and we want to book an activity which at the moment we can't afford as we're paying out for everything for the wedding and the honeymoon itself. We have asked our guests at the wedding for spending money as gifts for our wedding present but we need to…
-
Good craftsmen - finance cowboys
Why are there so many good plumbers, handymen and other craftsworkers that not only refuse credit cards, but also refuse cheques and insist on cash. They may do a wonderful job on your house, but you have to go to the cashpoint. How can they be brought kicking and screaming into the 21st century. However well they do the…
-
If I cant get my interest frozen this debt will never end! Please help!
Hi Guys I have 3 credit cards that I need to pay off - HSBC, Santander, and MBNA, with interest rates of 23.9, 19.9, 18.9 respectively. In total the amount outstanding is 13.5K. My income is £1800 per month, and after all my necessary expenses I have 600 per month to spend on my debts. I spread the amounts equally over the…
-
credit card insurance
Good morning, Im new to this and I apologise in advance if the question I seek advice on has already been asked (which Im sure it has) I have made a purchase for goods from an internet trader and the items I have been billed for were not the items I purchsed. The items were 30 times the advertised price. Am I covered by…
