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Pay by Credit Card (for delivery to alternative address)
Question: Is there any way the retailer can be persuaded to deliver the fridge to the flat address when the credit card is not registered there? e.i. providing extra info and verifying my ID etc... Is there a standard practice for this? Background: OK, so I have been informed by the tenants in the flat I rent out to them…
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Capital one secured card
I have applied for a capital one credit card in order to build my credit rating..they have offered me ,what they call Capital One Secured Card ,for this they are asking me to pay £49 security sum.Anyone know anything about this ?? I don`t mind paying if it helps but never heard of having to pay up front for a card.
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Full and Final Settlement Agreement Help
Hi Forum, I would like some views on this. 8 years ago things really hit the fan for me financially. I just kept my head above water by agreeing token monthly payment with my creditors. As my situation began to improve (to no where near my pre crisis level I should add) I paid off my debts by agreeing short settlements on…
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barclaycard ppi claim-no record of me
hi, i sent off my ppi claim to barclaycard a month or so ago. i took out the card in 2005 and closed it in 2010. today i recieved a letter off them saying they were closing my claim because they have no record of me on their files. i have no paperwork to do with this card anymore. is there anything i can do about this?…
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how does this look
i applied for a halifax cc. i have applied several times over the years but have always been straight declined however this time it says 'thank you for your application which is now being processed. we will contact you within the next 10 working days' does anyone have any experiences of this x
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Credit Card Debt - Advice Please
Hi, Just after a little advice on the best action to take. Having been in large amounts of debt in the past which we have paid off we are now left with one credit card that has approx £11500 on it. We are a bit unsure whether to a) get a loan for this amount over a fixed term of say 5 years and try to over pay as and when…
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Barclaycard balance transfer
Hi, Does anyone know if i transfer a partial balance away from barclaycard will they deduct it from the highest internet balance first (purchases) rather than the lower rate previous balance transfers i made? Thanks
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credit card credit limits and fines
I have been using a Mastercard for years and never had problems with it. If I make the purchase and I don't have enough credit, the payment simply does not go through. However with my Hsbc Visa and Tesco cards is a different story, I buy quite a bit of audiobooks and digital downloads and if I buy with the above mentioned…
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I don't understand my credit card :(
I'm a bit of a novice at this, I got a credit card (my first, I'm 23) with the aim of improving my credit score for a couple of years down the line when I want to get a mortgage. Unfortunately I don't really understand how the billing system works. I'm doing this with paperless bills as well which makes it less easy for me…
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Lost details of transaction
Hello This is going to sound stupid, I have been made aware of section 75. We paid a deposit for a property (off plan new build in spain) which has never been built and were looking into the idea of trying to make a claim. My problem is I don't know which credit card I used and not too sure of the date (probably…
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Virgin Credit Card - "Do a balance transfer to my current account"
Just to get this right. I apply for a card, it gets accepted and I have a 2,000 limit. I ask Virgin to do a balance transfer, they transfer 2,000 to my current account. For 18 months I pay the minimum repayment and on the 19th repayment I clear the balance. In interest I pay the 4% fee, i.e. £80. Am I right?
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Successfull PPI clain deductedd from my store card balance
Hi there, I know this will have been covered but I cant find the thread so here gos. I have had a successful outcome with my PPI claim for an old store card. But they have deducted from the settlement an amount to clear the account. Is this legal? I havent given my permission for this. Any info welcome.
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Automated nuisance calls
Hello, I am trying to sort out a problem for my parents with automated nuisance calls they keep receiving. They state that "Mr Jones" (someone I know) should call "XXXX" and quote ref "XXXX". I believe there have been a few calls a week recently and possibly from different companies, who I think maybe debt collection…
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How do they get your card details
Missed several calls from my cc provider yesterday and they finally got hold of me today. Turns out someone has been trying to make multiple, large value purchases online using my cc:mad:. Thankfully, all but 1 of these have been declined (the one that's gone through is under investigation & I will not be charged for it)…
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Transaction not debited & want to close card
Hi, I've a credit card which I've been preparing to close for the past few weeks. However, I wanted to cash in my reward points balance and have been carefully spending to bring it up to a nice round total, so that it could be exchanged for a voucher. Two weeks ago I purchased an item (over the internet) using the card but…
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Can't get a balance transfer card!
Hi, I've applied for two balance transfer cards now, Virgin about 3 months ago and Halifax today and have been rejected both times. I've done a credit report and its good. I earn 19000 a year and have no debt other than an M&S Card with 1300 on it and a Natwest Student Credit Card with about 400 on it. What is causing this…
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Getting away from sub-prime credit!
I have got every single sub-prime card there is I think. Capital One (Classic and Progress), Aqua, Aquis (Vanquis) and Barclaycard initial. I guess I kind of went mental applying for things and now I'm realising this probably looks very bad for my credit history. I have never missed a payment and always pay more than the…
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please help
I bought a house 6 month ago with my partner. the relationship has turned bad. we are in a2 year fixed rate mortgage. I can return her equity from deposit to her but bank wouldnt let me take mortgage on myself and that would incurr ridi ulous penalty. can i give her part of deposit back (which she wants) and continue pay…
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MSE News: Banks 'give bad advice' over card payment cancellations
This is the discussion thread for the following MSE News Story: "Some bank staff wrongly tell customers that regular card payments can't be cancelled, says Consumer Focus" Read the full story: Banks 'give bad advice' over card payment cancellations
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French "Section 75"?
Is there a French equivalent of the UK's Section 75 credit card protection laws? I ordered an item from a UK company using a French credit card for delivery in France, but after taking my payment the company went bust. My bank, BNP Paribas, hasn't been helpfull and I can't find any mention in any French card's Ts&Cs…
