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Section 75 CCA & Statutory Demands
Hi can anyone advise or comment on my problem! OK back in 2007 signed a contract for a service with a migration company, paid the fees £10k on my Nationwide Credit Card (Therein the protection of the Section 75) From here becomes the problem, initially nationwide accepted & asked me to accumulate the costs & losses &…
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Tesco CC interest question
Have just received this months statement, and I have some questions about interest. This month's interest is £8.50, on a balance of £270. I spent £194 and paid off £260. On looking back at last month's statement, I was not charged any interest, strange, but must be then 2 months interest added together? Previous interest…
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Amazon Credit Card Charge - Is the law on their side?
I have an Amazon credit card (run by bank of America). My March 2012 payment date fell on 25 March 2012, which was Sunday. I made the payment out of my bank account on 24 March (Saturday). But, since bank are officially closed on weekends the payment did not reach CC company until Monday, 26 March 2012. Both my bank and CC…
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Has anyone got MBNA to reduce the BT fee?
Our MBNA card has the biggest credit limit out of all the ones we hold (over £15K) and we've been loathe to get rid of it simply because of that reason. It doesn't carry a balance now and we've just been offered a new 0% promo but the BT fee is 5%. It's been 5% for a good couple of years now and we did ask once before if…
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Applying for a credit card to make money off savings.. question
Hi all, Now that I've cleared all of my outstanding depts, im considering trying this idea of having a credit card with 0% and chucking whatever I spend into a savings account instead, so before I go and apply I was just wondering... 1) What sorta amount should I ask for on a card? I don't want to make it sounds over the…
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Zero credit history help
I recently applied for the clarity credit card from my bank, Halifax, and got turned down. The person helping me suggested it was because i had no history of having or repaying any credit. I got my credit report and there's nothing bad against me on there. The person from the bank suggested i get a store card, but i don't…
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Poor Credit Rating - what can be done?
Hi, I applied to switch to one of the Natwest deals featured on MSE last weekend and yesterday received a letter rejecting my application. So today I ran a credit check with CreditExpert and I'm told I have a 'Very Poor' rating. I have only six credit items detailed including two (one cancelled) phone contracts, an expired…
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Music That You're Listening To VIII
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Halifax and Intelligent Finance
Although not strictly a credit card thread, I can't see where else I can put this question. I have a joint Halifax current account with horrendous overdraft charges of £1 a day. Unfortunately we can't switch, but I do have an Intelligent Finance current account in my own name with less excessive charges (10.9% AER), which…
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Balance transferring 3 other Credit Cards
Me and the missus have 3 Credit Cards between us, totaling around £3850. And we're being absolutely hammered on interest. I have my eye on the Halifax 22month 0% balance transfer, and my question is would we be able to consolidate the 3 cards onto this one card? Is there some sort of preset credit limit? I seem to fit the…
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Interest rates on credit reports
Just wondering, since I can't remember from the last time I accessed my credit report - does it report what interest rate you have on what debt? Since I have a student overdraft of £1400 at 0% for the next few years, I've been withdrawing that amount and popping it in my savings which means it's making me money. However,…
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Just got a balance transfer card...
Last night I was thinking about my finances. I recently successfully applied for a consolidation loan to get rid of the overdraft and cc I have with my bank (loan also with my bank). I've now closed both the overdraft and cc which is great. However it genuinely slipped my mind at the time of applying for the loan that I…
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Barclaycard Initial - Gone over Limit
Just wondering what happens now? I accept it is partly down to me, but there was an error in the Barclaycard Payment system, which wouldn't allow me to pay the final £100 owing on my account last month, and when I contacted Barclaycard they were no help whatsoever. Now this month, with mum and girlfriend's birthdays and…
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Barclaycard balance transfer
Hi All. New to this site! Does anyone know if there are any cards out there that will let me transfer a balance of around 4500 from my Barclaycard either interest free or low life of balance as Barclaycard are ripping me off with their interest. Should I contact them first to see if they can do anything for me. Nearly all…
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Zero percent on purchases
Hi, I was hoping for some guidance on credit cards. I've never had one before, but was wondering what the deal was with 0% cards. I can't find anything definitive on the web, but logic tells me that you don't pay any interest on purchases for the 0% period. Is this correct? and what is the impact on your credit report if…
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Best balance transfer card for low income?
Hi all I currently have three credit cards. I'm looking to put at least 2 onto a new card with a 0% period if possible. I have a fair credit rating, I do have credit cards but payments are always made. My problem is that due to illness I have not been working full time and therefore my income is only around £4000 a year. I…
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Best Rewards
I am looking for a credit card that offers the best rewards. I intend to use it only for extra protection under the CCA, and will pay it off straight away, so rates are not that important. Any suggestions?
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distance selling regs for late holidays???
Hi I need some advice please. Last night my hubby booked a late deal over the phone. I sat with him- he asked for 14 nights bla bla bla. We booked and paid but after he hung up he didnt know which airport or flight company we were with. I rng this morning and the lady advised we are going for 7 nights only??? nothing was…
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Advice please
Hi everyone I'm a first time poster so please be kind and non-judgemental :) I'm in a bit of a sticky situation and am hoping for some advice. Funding ran out for my job in July 2010 and I was unemployed for 6 weeks before securing permanent employment. At this time my partner and I had moved back into his parents' house…
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Am I entitled to compensation
Hi, We have just recenlty purchased a kitchen from B&Q of which we were getting our own fitter to install. The designer did not work our the dimensions correctly so we did not have a work top log enough - we had to have a breakfast bar as we needed a wider worktop. As the worktop curves, it curved too soon so did not cover…
