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Holiday balance
I purchased a holiday (flights, hotels, transfers etc.) through a travel company and paid a deposit of just over £1000 on credit card. There is just under £2500 balance remaining. Is there any advantage in paying the rest by CC and paying 2.5% surcharge or should I just pay the rest off by visa debitcard? The company has…
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Charges
I could not find a section on bank charges so have added it here. In the early [art of the millennium I sought to claim back some unfair charges on my bank account. I used an outside company and all looked positive...until the whole thing was quashed. I simply gave up. But recently I have seen that you can still appeal…
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Card charges claimback
Hi all. I am trying to find out some information regarding unfair credit card charges. I used to have a credit card and ran into problems so I used a debt handling company to help. They resolved with my bank (Lloyds TSB) that I would pay a certain amount on a certain date. I was paying £25 per month. But each month they…
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Barclaycard blocked when PAYG topped up
EVERY time I try to top up my PAYG mobile phone using my Barclaycard, usually once or twice a year, they block my card. Recently this happened in an emergency when our landline was down. Every time I complain, they claim it is a 'random' check for "unusual" activity. No matter that I tell them to check how many times I…
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Buying a car - cash back credit card?
Hi I'm looking at a new (second hand) car this spring. Cash is in the bank, so is there anything I can do to get some decent cashback by paying for it on a credit card? Lots of them seem to have relatively low max cashback values. I'll also need a decent limit on it as the car is likely to be ~£20k. TIA Mike
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Barclaycard Initial
I have a Barclaycard initial card and have complained that the interest rate is too high at 29.9% I was hoping that they would upgrade my account to another card without having to close and reopen however they haven't they have offered me an 8% decrease on the interest rate. Has anyone else managed to get the account…
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Best card for a 'larger' balance transfer
I need to transfer approx £6400 from a Barclaycard as the 0% interest period is due to run out soon. I have applied for (and was accepted for) both Halifax and Tesco 28 month interest free balance transfer credit cards but neither could offer me anything over £2350 as a balance transfer limit. Obviously this is not enough…
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payment not showing
Hi all On 29\01\14 I bought £86 worth if diesel on my tesco credit card at a tesco 'pay at pump' and then went into the store where I spent £6 on the card. Today I logged onto the credit card account to pay this off and there is no sign of the diesel transaction. This is almost a week ago now, anyone have any idea what's…
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Best Advice?
Hi can anyone advise me on the best thing to do here, most of this is interest free however I'm finding it difficult to manage. I am on a good wage around £2200 per month -£1000 bills. A lot of this debt has accrued from unexpected bills and holidays, and probably loving to excess. Should I consolidate it all or just focus…
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exchange rates
I went into the site which Martin had on this site . The site was Travelmoneymax.com I wanted to buy some Filipino pesos for my holiday and to get best rate of exchange which was registering at 74.49 php to the £1. but only if I took out the Clarity credit card out. Having done this I went on to the Halifax web page and…
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Credit card or mortgage current account?
I'm wondering if anybody can offer me some advice? I am unemployed at the moment (long term) and have a credit card debt of just under £5000 with Bank of America (Amazon). I have a mortgage with Barclays and I have a mortgage current account with an overdraft facility of £16000. I want to clear my credit card debt a.s.a.p.…
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How soon...
Hi, How soon after applying online (and being approved) for a credit card can you use it? Do you have to wait for the card to arrive in the post and then activate it before using it or could you theoretically buy something online straight away? Apologies if this is a daft question, I've never even looked into getting a…
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Business Credit Card with a DMP
Hello peeps. I am off to Korea and Malaysia in April with work. My employee has applied for a business credit card for me to use and my name/address was needed but no account details. I currently owe Natwest about £3000 via my debt management plan. Does anyone know if I will get accepted as it may cause some problems if I…
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MBNA not allowing balance transfer to pay off their debt!?
Hi all I have built up quite a bit of debt over my student years and I'm now in a position to start paying things off. I have calculated that if I stick to a budget, I should be able to pay-off my £7k debts in 12-18 months. I had two MBNA credit cards, both with c 2.5k debt on each. I also have a 0% loan from my employer…
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Section 75 - Do I have the option
Hi All, I bought a car just over 3 weeks ago and I'm having intermittent gearbox issues. The dealer stated that the gearbox is covered under a 3month warranty and sent 'a man in a van' to look. He started the car, shined a torch under the bonnet, messed with the gear stick and then reported that there is no fault with the…
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SARS, Charges, Default Date
Hello to everyone and I thank you in advance for any help you can give me. I am very new to the World of claiming charges/ensuring companies have done things correctly etc so would like so advice. I do hope I have started this in the right area of this site also!Firstly, the debt was with a Natwest credit card back when I…
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Info
I want to pay a £1000 debt off. Can I use a 0% credit card to pay this off ?:j
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Halifax Planned O/D Charge
Hi, I looked at my bank statement online today and for some reason Halifax has charged me for planned overdraft when I have arranged overdraft which I haven't used for the last two years. I also have money in my bank so I don't need to use the overdraft. Is this normal because I have been with Halifax for long time and…
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Halifax Credit Card
I recently received a letter from Halifax stating that they think I was mis-sold PPI back in 2006. I replied to this and they are now investigating. I had a Credit card with them about 4 years ago which I stopped paying due to being out of work. I haven't heard from Halifax about this credit card in well over a year. All…
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reuben,what Credit card for Spain car hire?
Hi i need a credit card to complete my spain car hire transaction at pick up in Spain at Easter,( does not accept debit cards)used this good company long time ago and father in law uses them all time, but I have not had a credit card for some years, used to buy fuel and pay off in full...wife said get a cash back CC but we…
