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Missed MBNA payment - disaster!
I have an MBNA transfer for life card. I have had it for about a year and have never missed a payment. My statements are online and for some reason, my works email address is no longer accepting emails like this. the payment date went completely out of my head as we were moving house and Ive missed the payment by a week.…
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multiple £12 fees for same transaction
i was desperate for cash after xmas so tried to get £30 out of my CC knowing it would put me over my limit and was prepared for the 12 fee. long story short when i paid next month online the minimum payment. what i didnt notice was that the minimum payment would still leave me going back over my limit once interest was…
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Did i pay credit card off in full too EARLY??
I had received new credit card 2 weeks ago with an interest free offer for 6 months (£3000 limit) Carried out a balance transfer to a friends credit card to clear balance. Friend received money owed to him a lot earlier than expected,advised me that the £3000 was paid into my current account on Friday which Ian's showing…
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Halifax Clarity Card-O% fees etc.
I see there are no cash withdrawal or Currency Conversion fees with the Halifax Clarity Card but interest is charged from day one. Could the interest be avoided by putting an amount equivalent to what you expect to spend before you leave for your holiday as a card payment (so the card is in credit) and draw up to this…
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Credit Rating: Very Poor.
Hi all, I've never really worried about my credit report, I suppose that's part of being young and care free. But, now I have come to realise that doing the above has/will now have a serious impact on my life. I have recently received a sum of money which I have paid off all debt with which I personally didn't believe was…
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Which is the credit report that's easy to cancel the membership with?
There's a few where you can sign up for free & get a report, but if memory serves, there's one that's easy to cancel membership & there's another that's a nightmare. Which one is which, so i don't sign up to the nightmare?
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Credit Card Newbie Question
Hi, I just want to start off by saying I'm new with Credit Cards and even I realise the question I'm about to ask is probably simple, obvious and silly. Also sorry for how long this is ... :o Now I got a credit card last year and have basically used it for online purchases which I would pay off online immediately. I now…
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Credit Report searches - What counts and what doesn't?
A few questions relating to my credit report, if someone could please help me out with the answers, I would appreciate it. My Experian report has a total of 32 searches on it, however this breaks down as follows; Searches in the last 3 months = 1 - Last time I tried for a card from my bank in December 2012. Other searches…
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New Resident in UK
Hello All I am a 34 year old women, and have been living in the UK for 1 year and 2 months. I have been trying to find a credit card so I can build up my credit history not because I need to borrow money now, but to ensure that should the day come then I would have a history. But every card I find you have to enter 3 years…
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MasterCard Gift Cards - Refunds No Way
I have just discovered that it is impossible to get a proper refund on goods that have paid for on-line if you have paid for them using a pre-paid MasterCard gift card. I bought and paid for a kettle from Amazon using such gift card. Within the 12 month guarantee the kettle failed and it was duly returned to Amazon. Then…
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Credit card debit and death
Hello all, I need some advice. My father suddenly passed away before Christmas. After going through all his financial affairs, my mother discovered a credit card (solely taken out in his name) with a bill of £3000. After explaining to the CC company several times, they are insistent that she pays the outstanding bill. My…
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Credit Card Protection if store is in administration
Hi, am sure this has been asked before, but one can never be too sure, thus I ask again, specific to my query. I currently have a Barclays Credit Card. Don't use it much, and only for online purchases for added protection. Its set up so anything purchased via it is immediatly paid off from one of my savings accounts, so I…
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Do credit card companies have to notify you when payments are due?
If you miss a payment but haven't received a statement, bill or any kind of notification, is that within the legal rules for credit products? There's nothing specific in the terms about this. I've been charged for missing a payment, which is one thing, but that's also gone on my credit file, which is more of an issue. I'm…
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Simply Electronics
Hi i recently bought a mobile phone from Simply Electronics and im having serious trouble with them. They wont send my mobile phone that i bought with my debit card neither will they issue me with a full refund of £127. The thing is ive rang them several times to then to be cut off the phone by them? They have ruined my…
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Chance of success with Virgin Media default?
Hi, I wasn't quite sure which sub forum to put this in, but most of the credit file related threads seem to be in this one... I'm really just looking for some feedback, or anyone who has had a similar experience to give me an idea of what to expect. Basically, back in March 2010 I moved house. I had Virgin Media cable…
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Credit Check V Card Approval
Well, having taken the advice on this site and got myself two credit rating reports and one score (Experian) which gave an excellent rating. Howgob-smacked was I when I applied for a Balance Transfer card so I could move some debt across to pay any interest towards clearing the debt (instead of lining the pockets of the…
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Section 75 Claim
Hi. I've read on here about section 75 of the consumer credit act. In august 2012 i bought a Samsung TV from comet. Paid for in full on the credit card. The TV has a re occurring fault, and has been repaired by Samsung under warranty a number of times. Again the same problem has returned and im sick of having to get it…
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Aqua Credit Limit
I applied for an Aqua reward card the other day, they sent me agreement today but it has no credit limit on it. Is this normal? Also, what kind of limits do they tend to give to people? £500?
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Credit Card Fraud
**** £6000 'Stolen' from my card this week *** Hi everyone just to let you know to watch out and keep a close eye on your credit card transactions (even if you haven't been using your card). This week I had a letter from Barclaycard asking to confirm details on some credit transfers I'd requested. I had not made any…
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Credit card postal addresses for token Payments
Hi folks I am needing some help on obtaining the postal addresses for the following credit card companies as i wish to start making token payments. Barclays Post Office Tesco Asda Capital One Mint your helpis much appreciated.:D
