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CCJ Threat From HFO
Hi Guys, I have just received court paper work sent by Turnbull Rutherford on behalf of HFO. They are claiming over £6400.00 with £3800.00 being the original debt and over £2600.00 in interest and court costs. They are charging me 12% per annum interetsrt on the debt. I would like advice on how I should reply. I will admit…
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Debt
I owe £2500.00 which I transferred to Barclaycard. I wish to make another purchase of around three grand. The man said that Barclaycard would give me a special rate of 2/9 I think. I was left with the impression that that would be for the whole lot on the card. I thought what happened to the 22 months interest free for the…
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Can I get the Halifax Clarity Card on Poor / No credit History
Hi I am new to the UK with a full time job and just completing 1 year in the UK next month. I want to apply for the Halifax Clarity Card (or Clarity Rewards) as it is best for spending overseas.. I have a credit rating of 2/5 on Noddle. (714 on Experian i.e. Poor :-( ) with 1 current account and 1 credit card opened in…
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New account question - promotion related.
Hi guys, I primarily use credit cards for the promotional rate on new purchases, once that's over and I've cleared the balance I move on ;) Want I'd like to know is, can I get the promotional rate of "xx months" of interest free on purchases if I've had the card before? Eg. I had a Tesco's card a couple of years ago which…
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pay loan with credit card?
Hi, I have recentley purchased windows with safestyle financed by Hitachi Capital. The full price is £5250 @ £104.47 per month over 96 months. This would mean total paid over £9000! I think the apr is 11%. The first payment is due beginning of october and i have £1000 to pay of straightaway without penalty. Now the…
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Is this a daft Q ???
We (the wife and I) have been using a barclaycard credit card for all our normal spending and purchasing approx £1500 per month instead of a normal current account (pay it off at the end of each month). We have been getting a range of offers that have been mainly cashback but recently they have said they don't have offers.…
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9p Amazon Charge
I have been checking my online statements which I do regularly and have noticed 9p has been sent to amazon for a "digital download". I do have a kindle and do use this card for amazon purchases but definitely haven't bought anything costing 9p. I've checked in my amazon account in case I was having memory issues. Is this…
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Tesco Clubcard plus card
Hi I hope I am posting this in the right place. I have a tesco clubcard plus card which they advertise as a savings account. Its one of those cards that you load money onto each month and then spend exclusivly at tesco as a way of budgeting your monthly food shop. I originally joined this scheme a few years ago when…
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would paying off CC in full help to mend poor credit score
i have a couple of missed credit card payments over the last 2 years which is affecting my Credit score - if i was to pay the card off in full, would this help to mend my score?
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Santander zero debit/credit cards
Just wondering if anyone knows offhand what the benefits of the zero current account and zero credit card are, as it's no longer on the website. My wife has both, but with only a £500 limit on the CC. She also has a few other CCs with £500 limits, but just got a much better limit from a bank, so wants to close some down.…
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sent two capital one cards instead of one
So i applied for a capital one classic, got it, the pin and activated it just recently but after this i got another pin for a different card number in the mail and now i've got another card in the mail, which appears to be just another capital one classic with the same credit limit. i assume this is some kind of computer…
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Mastercard Exchange Rate
Anyone know why they are stuck at 17th Sept. with the exchange rate? https://www.mastercard.com/global/currencyconversion/index.html
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Credit card con
Hiya, can anyone help with the following? This is a true story - My ex-husband left in 2002, a credit card was sent to my address, my home he left where our two children also lived. This card was opened by mistake and I cut the card in half, I called the CC company direct and explained he longer lives here, please please…
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Help with bank account and credit card debt required
Hi All I'm in a sticky situation and trying to find away out of it. I have been having money problems for years, but it is at the point now that my bank account is causing problems which is pushing me further in to debt. I have an overdraft which is overdrawn and the amount of money coming in to my account means that a few…
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Required to send me a CC statement each month?
One simple question, if anyone can answer it is another thing. Is my CC company required to send me a statement each month or to at least let me know when a payment is due by? (the situation is that I have a cc with Tesco they sent me a paper statement and email to say my statement is ready in July, the next notification…
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0% Credit Card Deals
Hi all, I've just returned from holiday and my bag was stolen with my iphone and ipod in. I have since found out that my phone isn't covered and can't find a receipt for the ipod! So was looking at getting at 0% on purchases card to buy a new iphone for 6 months so I can pay it off. I looked at Tesco's recent deal which…
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which order to pay CC please
Hi everyone, i've managed to get a couple of 0% cards of £1400 each and have transferred balances from our Barclaycard across. This leaves a large Barclaycard with a balance of around £6500 left (card limit £8200) which is about 20% apr (I couldnt get a balance transfer large enough for this) Should I concentrate on now…
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Nationwide credit card marketing letter!
Got a letter from Nationwide this morning saying they had tried to contact me about my credit card account. Worried, I rang them. It took 2 calls and 10 minutes to be told that they wanted to offer me a balance transfer deal. I was.. errr... annnoyed. Had been genuinely concerned. Didn't think I was signed up to marketing…
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First credit card to build up my rating?
I want to buy a house in 2 years time after I graduate from Uni. I don't really need a credit card but I know you need them to help build up a credit rating and prove you can manage debt responsibly. Is there any cards on the market that I can have that If I pay of it all every month or the minimum balance then I don't get…
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Lloyds rewards points on CC
My mum has a lloyds credit card which earns rewards points currently at approx 2000+. She wants to switch to the duo card to get avios because she is not using the rewards points. When she spoke to lloyds they said the points she earnt on that scheme would not be transferred however... whilst working for airmiles/avios…
