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old debts resold and re aged
Hi I have recently been contacted by post and phone, by a debt collection agency, Cabot, concerning a debt I have from 2004. I had gone to live in Europe and wrongly , ignored the debt. Cabot say they have recently bought this old debt . I thought that I could statute bar it as it`s so old. However I phoned a debt advisory…
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Section 75
Hi I'd like to know whether I could claim my airline payment back. I had to cancel my flight and when I contacted the airline (Monarch) they said they are a non refundable airline and they won't be able to refund the full amount. However they said they will refund the additional charges. SO far I haven't received any…
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HELP- Lost Final Appeal with FOS
Hi All I'm a new to this so apologies if not expained clearly. Any advice and help on what I should do now would be much appreciated. I was informed that I had lost my final appeal with FOS against HSBC(Credit Card), the FOS ruled in favor of HSBC to allow them to continue with legal proceedings. I have since recieved a…
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Query regarding overseas payment
Hi All, I'm going abroad in the Summer and paying a private landlord for accomodation which roughly comes to 2500 euros. I know the cheapest way to pay him would be in cash but obviously a risk carrying a large sum of money like that. What would be the best alternative? I'm based in UK and paying him in euros in person and…
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Who is responsible?
I have a prepaid Mastercard though Moneybookers (Skrill). On the 24th of December 2012 I spent 260 Euros (on eBay) on orchids plus a further 19 Euros for postage via Payapl to an orchid vendor in Germany. Due to winter weather the vendor and me agreed to delay postage until the worst of the winter weather had passed before…
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Santander credit card application
Applied today for Santander Credit Card for balance transfer, was given at the end of application a reference number if I needed to contact them. Did not get straight answer, neither a "No" or will let you know. Has anyone had any experience when applying for their credit card? Thanks
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Son using debit card
Just checked bank account and found transactions involving small amounts being debited for xbox spotify itunes etc, they have obviously been made by my 15 year old son and i am furious but thats another story. My question is can i stop this happening again by reporting my debit card as lost and thereby getting the number…
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Stolen debit card - fraudulent transactions
Hi, I was wondering if anyone could help me? I have a HSBC debit card which was stolen along with my wallet in a very busy bar. I can only assume that it was targeted, as my PIN was also compromised. This happened on Monday morning at about 2am and I reported the card stolen around 10am and had my card cancelled. However…
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Should the minimum payment requested be more than the interest charged that month?
Hi all, Just want to clarify something: Should the minimum payment requested by my credit card company (Barclaycard) be MORE than the interest they are charging? I paid the minimum on time, didn't spend anything and on my next statement noticed that the interest was higher than my payment, effectively meaning that I would…
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Did Halifax card sevices lie to me?
I phoned customer loyalty at HBOS card services to enquire if they could offer me a balance transfer deal at 0%. I was offered a 9 month interest free period plus 3% fee. I was happy and will take it up in the next couple of weeks. I then asked if it would be possible to reduce my overall rate of 21.95% to their…
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Late Payments
On instant payment to credit cards are they allowed to charge you late payment charge although they have the money but because of the payment rules they set you are late on payment MBNA rules are Monday to Friday payments have to be received by 4pm. after 4pm Friday any payment received is credit to your account on the…
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Need advice on a balance transfer
Ok for example I have £400 on a barclaycard I transfer it to my nationwide card at 19.9% does that mean the balance will be £479 or?
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Capital one secured card
Hiya I am trying to rebuild my credit score due to terrible past debts and applied for the Capital one card. Was declined but was offered the secured card paying £49.00 and received the £200 limit. I am more than happy with that. However I received my card at the weekend and from what I'd read on the previous forums the…
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Virgin Purchase Credit Card
Can anyone advise which credit reference agency or agencies Virgin search? I'm thinking of applying for the Virgin Purchase credit card - anyone have any idea how tough this card is to get? I have a good credit history although possibly have too much credit available to me (slightly more than 50% of income) but of the…
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Trying to decide on the best offer
I have several 0% offers on the table and I am trying to work out which is best. 0% until June 2013 @ 5% fee + 2.2071% Per Month 0% until Nov 2012 @ 3.9% fee + 26.9% Per Annum after (sorry, don't know how to work out monthly rate from this) On the face of it, the longest is obviously the best, but with that comes a higher…
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Santander Zero Credit Card
I got a Zero Credit Card from Santander in September 2011, when it was rated highly as an excellent card for overseas spending. It seems now to have dropped out of the "best travel credit card" lists. Does anyone know why? Have the T&Cs changed?
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The best of a bad situation?
Hi, I've been unemployed for a while, but recently got a full time job. Good news. However, because I don't get a full month salary until the end of May, when my rent and other payments go from my bank account (before pay day), I will end up in an unplanned overdraft situation, and will have to pay lots of charges. I get…
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Is a Debenhams Santander CC sub prime?
I started off rebuilding my credit rating last year with 2 sub prime cards: Capital One and then Vanquis. This month I applied for a Debenhams Store Card but was instead accepted for a Debenhams Credit Card issued by Santander. Is this card considered sub prime?
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Credit Card with little income
Hi I want to get a credit card for the added security it provides with purchases. Im currently a full time student with my only income being student loans/ grants and some help from my family. I applied for a 'student credit card' last year with halifax after they asked me about a dozen times and had the advert pop up…
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BarclayCard 0% Balance Transfer
Hi Guys, First post so be gentle, avid reader of the boards though!! Anyway today I have been accepted for a Barclaycard Platinum with 0% Balance Transfers. They have set a 9800 limit on this card which I intend to decrease as it frankly scares me!! I have always had airmiles duo with Lloyds and currently have 3500 on a 4k…
