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Credit Card Refund under the Consumer Credit Act 1974 section 75?.
I recently purchased a camera for £161 from a web based retailer who gave a lead time of despatch of between 1-4 days and delivery within 8 days. On contacting the retailer they advised me that the lead time could not be met I advised the retailer that this was not acceptable they advised me to cancel the order which i…
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0% card help, I'm disabled
Hi, i want to transfer £7k of debt on to a 0% card. I have checked my history with Equifax and have had only 1 late payment and that was April 2011 on this credit card. Every single other payment has been made on time (this was my fault as i forgot i had this still to come out due to the royal wedding, the banks were…
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Newbie, help with 0% credit card
Hello all I have a question regarding credit cards that offer 0% on purchases for a certain amount of time. Im currently between jobs (should hopefully not be too long) I have a bill of over £800 to pay at the beginning of August and don't have the money to pay it. I was having a look on this site and noticed Marks and…
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close unused cards or keep them open?
At the moment I have three credit cards. One with Tesco Bank, with nil balance, one with HSBC with nil balance and one with Barclaycard with £4.5k at 0% until Dec. I was hoping to get another promotional offer from Tesco, but when I phoned them asking for this they said no offers were available for me. Is there any benefit…
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Credit card balance settlement
Hi I ran into trouble with my BOS credit card 2 years ago and they canceled it with an o/s balance of approx £2500. I continued to accrue interest on the balance and I began paying it off, often paying more than the min. I paid what I could afford, between £100 - £200 per month and the balance was reducing slowly but as I…
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Credit Rating
I have recently switched bank accounts - I was assured that the switching team would switch all Direct Debits etc with relative ease and I had nothing to worry about. Today I have been notified by my Virgin credit card that my direct debit was unsuccessful as a result of it not being switched in time and returned unpaid!…
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Issues with MBNA/Bank Of America
Hi All, I really hope you can help me with this as I'm getting to the end of my tether with this now... I have an Amazon Credit Card with is run by MBNA, which is part of the Bank of America. The long and short of my problem is, I paid off the remaining balace on the card and rang MBNA to cancel the card and close my…
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Help please...
Hi guys, I've currently got a credit card from Creation which is a balance transfer card. I've only had this for a short period of time but I have reduced the debt to £500 or so. Me and my partner are looking to go on holiday initially putting this onto a credit card. But the current card is around 18% apr. Can anyone…
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Urgent Help with music biz!
Hello we would like some unbiased help, please could someone suggest a song for a fiddle, guitar and vocal duo to cover. The song must follow these three rules:1) lyrics are well known 2) lyrics are not cringe worthy 3) don't talk about fight club. Sorry if this is off topic but your opinion is valuable many thanks PA
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Barclaycard Nuisance Calls
My OH spoke to barclaycard on weds after missing a payment last month to his barclaycard. He spoke to them and arranged payment and was also given a refund of £24 for the charges as it had been barclaycard who had messed up the payment. Since weds he has been having 4 calls a day to both his home and his mobile which he…
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Aqua Credit Card
Martin says its easy to get with 3% cashback but i applied this morning and got turned down, would the technical difficulties NatWest are having be a factor this morning or am i just that bad. Yes i have a default on my credit score which only has 2 years left to run but i havent been in bad debt for 4 years now and never…
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Change of address and credit card application
I'm considering applying for the aqua 3% cashback card. Normally I would just do it and would have no doubts about being accepted, although I'm only 20 I've had credit cards and phone contracts since 18, all paid off properly. However... I'm a student, so am flitting between houses. Just left one uni house for another, AND…
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Accidental Damage to my Ipad
Hi, Does anyone know if an ipad damaged accidently would be covered under my Tesco Credit Card? I part used it to pay for the ipad a year ago.
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0% to 19% interest Sting from MBNA
Have learnt a very expensive and painful lesson today. I took up an offer on a 0% interest balance transfer on my play.com card (mbna visa) last November. Setting up my Standing Order I missed the first payment and took the £12 late fee. I left my account to snooze (thinking in was on 0% interest until Nov of this year),…
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Student Travel Spending
Hi, My daughter is a medical student and this summer is going away for 2 months to Fiji (for 1 month and the touring Asia for another) on a medical elective programme (they work with local medics in exchange for food and board). This is obviously quite expensive so our local Bank of Ireland provide a medical elective loan…
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Hair Salon Got dye on my bag.... PLEASE HELP
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Rules about Paper-Free Statements
Hi, I have an Amazon Mastercard. Its an online only account so no paper statements. They've currently got a technical issue with no idea when it will be resolved. Some people are unable to access their statements. All they can give me is the statement balance. I want to make sure all the transactions are valid and reclaim…
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Are there other credit refrance agencies?
Hi all, I am currently trying to take control over my debt. I have signed up with the two big players in the industry. Equifax and experian (CreditExpert). I wanted to know if there are any others out there? The reason I ask is that because on BOTH Experian and Equifax. I cannot see my Tesco Personal Finance (Credit Card),…
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Tesco Credit Card - Owe Them Money, But THEY Can't Tell Me How Much?!!
Tried to login to the Tesco credit card site tonight, it wouldn't accept any of my login details which I have used for years and forced me to re-register for their new online service. Which I can't use until they send me a temporary password in the mail. I don't get a paper statement - they removed that facility some time…
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Virgin Credit card, wrong fee info?
Just had a look at the Virgin credit card which offers 16 months interest free with a 1.99% balance transfer but when i click on the link onto the main virgin website it states that it's a 2.99% transer fee? Has anyone got any ideas. I'm just looking for a 0% interest credit card for around 16 months with a low fee.…
