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Stolen cards being used after cancellation.
Nearly two weeks ago my wife and I were carjacked on the AP-7 autopiste in Spain. Apparently this is very common on this route near Barcelona which is little comfort to us being left with just 5€, no cards, no passports etc. We cancelled our Barclays cards on the day but since then they are continuing to be used. So far…
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Is my partner an "immediate family member"
I have just called Santander, trying to add my partner as a second card holder on my 123 credit card. The terms for adding a second card holder state that they need to be over 18, reside at the same address, and also be an immediate family member. We're not married, but I still consider him my immediate family - we've…
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Amex Platinum Cashback Negative Cashback with Foursquare promo
Hi, I've noticed in the cashback statement of my Amex Platinum Cashback Credit Card I'm receiving negative cashback amounts for credits coming from the Foursquare promotion. I emailed Amex and they credited the amounts back to my account within a day. Obviously the amounts are tiny (under £1 in total for me) but if…
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Capital One and credit score problems
Could anyone give me some advice please. In a nut shell ,my wife has had a credit card with Capitalone for a couple of years, 18 months ago she had a major operation and wasunable to work for 9 months. She contactedthe PPI company and sent off doctors letters to them as we were told verballyover the phone that everything…
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Credit Card cancellations and Credit Rating
Hi all Apologies if this is posted in the wrong place. I've had some credit card debt for a couple of years now to try and boost my credit rating. Just as I've finished paying it off they have increased my limit to £1000. I don't ever intend on using this card again as I have another with a better interest rate. My query…
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Someone drove into the back of me and is being funny about paying for the damage
About 2 weeks ago someone drove into the back of my car. He caused a few dents and cracks to the front & rear bumper and offered to pay for the damage himself rather than going through the insurance companies. I agreed as the damage was light and I didn't know how it would effect my car insurance. I got a quote for £400 to…
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Wifes £25k Debt
Hi all, I'm looking for some advice. My wife has racked up £25k debt on several credit cards in her name. She cannot repay the interest on the debt and continue to pay her share into our joint account for house, food, travel etc. She wants to pay it back and has suggested that we add it to the house mortgage and she will…
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Credit rating issues
Hi, not sure if this is the correct thread so excuse me. Basically I currently have a credit rating of 779 (credit expert), any I cannot currently get any extensions on my existing £900 (student) overdraft or change to a different bank, due to late mobile phone payment situation.... Basically in may of 2012 I rang up my…
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Nationwide Select Credit Card - no longer using FlexAccount....
I have a NW Select Credit Card that I believe has some special features (commission free purchases abroad, 0.5% cashback) because at the time I had a FlexAccount as my main current account. I've very recently switched my account - will Nationwide downgrade my credit card as a result? Looking to close either this one or a…
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Visa debit card chargeback - how long?
I recently submitted a request for a Visa chargeback to my bank, The Co-operative. Does anyone know roughly how long I can expect to wait?
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Credit card statements to show correct names of merchants
It annoys me when I pay for something with a credit (or debit) card and the payment appears on my statement as something completely different to the company I understood I was paying. It makes it hard for me to reconcile my statements with my spending, and it doesn't seem reasonable. I would think it actually quite…
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Paying off statement query
Hello Probably a daft question but if someone could clarify this for me it would be useful. I'm with capital one, if it's relevant. Basically I want to know if i make payments, equivalent to the balance of my most recent statement, if the direct debit will still go through / if i'm still liable for a payment. To put it…
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Yorkshire Water - Credit File
Hi Guys, Ive recently moved house, so contacted Yorkshire Water to let them know about my change of address. They agreed to cancel my water supply and send my final bill to my new address. So far so good, the final bill came in the post, dated the 8th of March 2013. Its now the 20th just 8 days after and showing on my…
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Understanding Section 75 in my situation
Hi all, I had recently purchased two fairly expensive dell XPS 15 laptops (16 Dec 2012 and 4 Feb 2013) and both arrived faulty. I called dell and I had them send me a replace ment for both (first one shipped on 31 Dec 2012, second shipped 13 Feb 2013). The one that was shipped on the 31st of December soon arrived and i…
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Rebuilding credit
Couple of questions if anyone has any answers.... (if this is inappropriate for this board the I do apologise) Firstly, I'm now managing to clear some debt that had been hanging around for a while, and will have a sizable chunk of money left over (Inheritance). I plan to use this as a deposit on a house as and when, but in…
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Transfer Fee - interest?
Hi, this should just be a quick post. I have for the first time carried out a balance transfer to an existing credit card. I was given 0% for 6 months with a 3% fee, which is fine for me, My question is about the fee - do they typically charge interest on this, or is it part of my 0% offer? If they do, is the cash advance…
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Credit Card Fraud after odd Tesco Purchase
Hi, This morning I went to Tesco, bought a few things, one of which was alcohol. The self service till needed authorising for this, which isn't unusual, but what was strange was that it was asking for my actual birthdate. The staff member couldn't understand why it was not authorising the transaction, then when we realised…
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Amex second cardholder
Just a quick one folks: The other half has agreed to get a second AMEX chargecard in my name. They've sent us a form to fill out to agree to be jointly, and severally liable, which is fine. Does this generate a credit check on the second cardholder? Thanks!
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Electroll roll / credit card
Hi Just a quick question I'm looking at applying for a new card in the next week or so I've just checked my credit report and its not showing I'm registered on the electroll roll although I know I'm defiantly registered and have been for a couple of months. Is it worth waiting till it shown on my report or is it still…
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Closing Unused Credit Card Accounts
I have a number of credit card accounts showing on my credit report that i do not use and have no intention of using, is it better to: 1. Leave them open so the % of used available credit is lower, e.g have £5000 available credit but only using £2000. or 2. Close them so that although % of used credit will be higher the…
