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Barclaycard - Print Offs.
I applied for a Barclaycard, the long balance transfer one. I received a letter saying I had been approved but asking for proof of identity in the form of a Utility Bill, two recent payslips and two bank statements to tie in with the payslips and showing pay being paid in to match. For completeness I added a P60 Now, I…
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Section 75
Hi, Recently my family and I booked a hotel on a web site, allcheap-hotels.com, and paid in full on our credit card. We wanted to confirm some details and so contacted the hotel directly, however, when we contacted them they said they had no reservation under our name. On researching the website we booked from, it does say…
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Server timed out, refilled form, you guessed it.....
Hi, Filling out online application for Halifax Clarity, got all the way through to the final button press, then got a server timed out error and redirected to home page. Refilled application, got all the way through this time, to be told application refused as I had applied within 30 days of a previous application. No…
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am I being ripped off????
Last week I signed up and paid £1000 for a course. A home study kit (worth £500!) was "thrown in". I've changed my mind about the course and asked for a refund, but the small print says all goods must be returned unopened and in good condition, or their value deducted from the refund. The home kit is in perfect, unread…
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Loan or Credit Card? I don't know what's best.
Hiya, So since the age of about 15 (I'm now 23) I have always wanted a Rolex. I graduated in May, and got a graduate job with a lot of career progression opportunities. I have decided that now is the time to treat myself to my watch and know the pre-owned reconditioned watch at £3795 is what I want. It's my dream, I want…
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Pay With Credit Card or Withdraw Cash
Hello, I am off to Morocco next week. If I pay for something with my Amex, they will charge 2.99%. If I withdraw from and ATM with my HSBC debit card, it should be free. However, I don't know how these truly compare, as the rate from an ATM might be different from the rate charged on my Amex. Does anyone know if I'll be…
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Credit card payment troubles
Ok, so basically i have two credit cards i am currently paying minimum payment on, with out explaining too deeply into why i have these credit cards, i was in a relationship and moved into a new place with my partner, they started using my credit card, obviously being loved up and not knowing that it was the wrong thing to…
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Wasn't thinking
While on holiday in Portugal my wife had an accident and was carted off to a private clinic for an x-ray. Total cost €448. Hopefully to be repaid by insurance. On being presented with the credit card machine I took out my emergency (while I am abroad) Capital One credit card and used that instead of my Nationwide credit…
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Halifax won't do balance transfer as cash - is there a way around this?
Hi all, I need £10k to America ($15k) Rather than take a loan I figured Halifax's 25 month 0% credit card. 3% fee = 1.5% a year over two years - sweet. I've applied, been accepted, and my estimated credit limit is £10k. I can't use the card to purchase the $USD, they won't let me pay with credit. Halifax also say that they…
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Missed payment
Ok first post, so go easy! My wife has an old Natwest credit card that she rarely uses. It was unused in the last few months of 2012. Before that we suddenly stopped getting bills via post, but there is no online bill either. We can go online and check the balance/statement, but there is no email or post notification.…
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Credit agreement
Please advise, in 2004 I signed a CCA for a MBNA creditcard, but at the time I was a stay at home mum, and I used husbands employment details. His name is not on the CCA, all it has is a name of workplace and a telephone number ( the place does not exist anymore), He is NOT a second card holder and he has NOT signed the…
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Why do payments to Credit Cards need "processing time"?
Hi, Stupid question, but one that bugs me. Why, when you manually make a payment to a Credit Card company do they need "processing time" before it actually becomes credited to your account? (Yes I've had a bad experience, my own fault). For example, with MBNA say that if you pay by card: "Your payment will be completed on…
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Balance tarting - Can I do this...?
Hello all, I currently have two credit cars, one MBNA with £550 on it and a Tesco Finance one with just shy of £2,000 on it. The MBNA one is coming to the end of its 0% period and I want to tart the balance of both cards onto one 0% card and then cut all of them up and just leave a direct debit going to pay it all off…
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Which? calling for credit crackdown
Consumer campaigners are calling for a crackdown to clean up the “irresponsible” credit industry after finding that a quarter of people who take out expensive payday loans are using them to plug other debts. Which? said that “desperate” borrowers who find themselves locked out of mainstream credit are drowning in a vicious…
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Halifax Clarity card credit limits
Hi all, Just wondered how holders of the Halifax Credit card have got on with credit limit increases on this card? My account was opened in January 2012 with a limit of £1,200 but they have declined increases in September and last week. The credit limit is the lowest I have ever had and this and all my other accounts have…
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Requesting a credit limit increase from Barclaycard
Got a Barclays Premier Credit Card last year, I have had 5 statements (5th is actually due tomorrow). Should I wait until I have had 6 before I ask for a limit increase? Current limit is £1500 but I like to make all of my larger purchases on it so that I get s75 protection. Edit: I usually spend anything up to £1000 a…
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Consumer Credit 1974 Section 75
We have just heard from Barclaycard that they have decided not to help us as we cannot prove evidence that we were given a substandardappartment and therefore no breach of contract. How do you prove that the appartment you were given stunk so bad and was so horrible that we were offered an exchange, which was marginally…
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Faster Payment - Bank Error
On Friday 1st March I went into the bank after 4pm to pay my Virgin credit card bill. I made a mistake with the amount stating I wanted to pay £850 instead of £550 but was advised that they could change the amount which they did immediately or so I thought. Imagine my shock today when I have discovered both payments…
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Aqua Card Credit Increases
Received my Aqua Card in the post with a £250 limit. Just wanted to know what peoples increases have been in what time scale. I have had a Capital One card for 12 months and only just had my first increase from £200 to £500. Also with Aqua is it best to wait till they increase you automatically or can you request them?
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Brother Defaulted on his Egg in 2006 and now wants a Barclaycard !!
My brother has a Barclays current account, the full account with a cheque book etc, but he now wants a Barclaycard. Now normally I think that would be okay, but he had a Egg card which he defaulted on in 2006, and on his credit report it was listed as a Barclaycard when they took them over a few years back. This has now…
