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Barclaycard - praise where it's due
This probably won't get much reaction, but may be of some interest to people considering a Barclaycard balance transfer. I processed a transfer at about 7.30 yesterday evening. It appeared on my Barclaycard online account this morning and, amazingly, has been received by Cahoot this morning. 12 hours from top to bottom.…
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NatWest/RBS 18 month 0% Interest Offer
Hi, Apologies if there is already a thread on this. I recently applied for the RBS YourPoints credit card. I got accepted and receieved the pin and card in the post, but to my surpise the 0% interest rate is for 13 months and not 18 months as per the offer?! Can anyone advise what has happened hee and what i shoud do next?…
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Paying monthly on 0% interest rate on purchases credit cards? Help!
Hello, hoping someone can help! I am looking to start a a new course in September which will give me the qualifications I need to start a new job however I can't afford to pay for the course up front and need to find £1400. The only way I thought I could do it was by getting a 0% interest rate on purchases credit card. I'm…
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BarclayCard confusion
Hi all, Okay so I received my barclay card today - I got it off the internet because money supermarket (and barclay-card site itself) advertised it with 12 months interest free spending... However upon looking at the leaflet (welcome, discover everything that your barclaycard can do for you) - it says quote; "Enjoy…
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struggling to make minimum payments
Dear all, Need your advice. Got three credit cards at the moment (2 x Santander + Bank Of Scotland). I'm nearing the limit on all three (between £3-3900) and finding it increasingly difficult to make minimum payments every month. My main problem is that I am not earning as much money as I did, my income is around £1000 per…
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Adsa Credit Card
I closed my account with ASDA Credit card back in March 2012. I did not receive any confirmation of the account closure so I contacted ASDA and requested a letter stating that this had been done. I was told by an advisor at ASDA that they do not send out account closure letters. I explained other card companies had sent a…
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Help i have my brothers debt on my credit file!!!
Hi there i have just received my credit file and have my brothers details on my own file but under a different name!? He is my twin so we share the same date of birth, is this how this appeared on my credit file? He has about 30k worth of debt and is ruining my credit file what do i do? Please help i cannot cope with the…
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Lost job and can't pay credit cards
I was dismissed because of long term sickness. I got a payout but have been told by lots of people not to pay off credit card debts until I get another job - my mortgage is the most important thing to pay and, at 50, not even sure I will find another job. I've written to the people I owe to say I can only pay £10 a month.…
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NorthStar Capital Consultancy Ltd
Hi all, I have come across this company today and they claim that they can wipe your credit card debt. I have heard this a lot before but the bit that sounded different (and maybe you can tell me if this is correct) is that instead of trying to say the credit agreeement is unenforceable, they actually reassign the debt to…
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transfer a balance transfer?
i did a balance transfer in april to a new 0% nationwide card i acquired(only got it for 0%). halifax have offered me a 0% deal on my card with them ( they are who i bank with) am i able to transfer from the nationwide card to halifax and close nationwide without it looking negative on my credit report and is there any…
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2 balance transfers???
I currently owe £1900 on a virgin credit card (which is 0% until next year - this is a balance that was transferred from my HSBC card) and £500 on my HSBC credit card (this one I pay interest on) I'm hoping to do a balance transfer for both of these balances so that I'm only paying out 1 payment a month? I'm unsure as to…
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A new card required for European holiday.
Hi all, I’m new to the forum, so please be gentle. I was hoping that someone in the know could point me in the right direction regarding getting a new credit card for taking on my upcoming holiday (a med cruise). I was planning on going for a card with 0% on new purchases over as long a period as possible, however a friend…
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What is the safest card to use online?
I recently had my Tesco CC used fraudulently to buy over £1000 of insurance.It’s currently in hand to have the money refunded to me, although I've not receivedthe paperwork to sign and send back. Need to chase them up to find out what’sgoing on. Anyone else had experience of dealing with the Tesco CC fraud team?Are they…
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PayPal 21 days pending payments
Just been on to the phone from paypal and they have change my terms and conditions saying i will not recivie funds until 21 days of sale . I have 100 % feedback on ebay and have been a member for nearly 10 years i have only just opended a paypal account for myself as everything use to go through my wifes paypal account . I…
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Do I have a leg to stand for Compensation ???
Do I stand Any chance for Compensation ?? I was inspired by this post to start this thread https://forums.moneysavingexpert.com/discussion/4023311 Because I did not want to hijack the OP thread, I initiate this thread. I have similar experience to OP. It was also about six years ago, I had one mispayment my Barclays card;…
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Can't work out these 'minimum monthly repayments'!
I've had a 'dormant' credit card for a few years (by 'dormant' I mean a card I no longer use, just pay off a regular amount each month). Recently I got married and my wife and I agreed to use the card to help pay for the wedding (a modest affair, btw). However, as with most credit card users, the balance shot up from…
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Credit Card & Student Account
Hello, I have a Capital One Secured credit card that I applied for shortly after my 18th birthday and I've been paying it off in full every month since then (January). Now that I'm looking into student accounts I notice that most have large credit facilities, but is my credit history good enough? By the time the account…
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Capital One
Sacked off the idea of applying for Natwest CC, decided alongside my Barclaycard Initial I will maintain a Capital One for 6 months+ to improve my credit score further & get my Credit Report completely sorted. Anyway - I applied for the Capital One Classic, only expecting a low limit as I have £800 on my BC Initial, but…
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Two payments taken for car insurance. (duplicate payment)
Hi I payed for my car insurance from admiral in full last week and the first payment was taken of about £500. Now I have just checked my credit card online and another payment for the same amount is pending.(not actually taken the money yet) I presume this is just an error on admirals part with a duplicate payment. Should…
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OPUS - my tale of woe
I had a Citi card for years, this was then transferred to OPUS who honored my lifetime balance transfer rate of 6.1% I only had this balance on the card and was paying it down, £1,600 to go (credit limit of £10,800) Anyway my son came to me for some money, just about £1,500 was needed, so I paid for him using the card - he…
