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my Vanquis hell!!!!
hi everyone, i need advice big time!!!!! i have got myself in a loop and cant get out, for the last few yrs i have been chasing my tail when it comes to my debts. my ex partner lost his job 5 yrs ago and things went down hill from there. long and short of it i have a vanquis card with £2000 debt on it. the boys dad cant…
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Questions about payment due date
I have a credit card with Lloyds and I use online banking to check my accounts. The payment due date for my credit card is tomorrow (20/02/2014) but I haven't received the bill in the post. This happened before. The next statement date is 26/02/2014. When I go into the section for paying the credit card, I cannot select…
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Old Settled Credit Card Debt
Hi I wonder if anyone can help me. In 2007 I was paying my credit cards by token payments of 1 - 2 pound a month. A friend loaned some money to help. On my behalf he wrote to the cards offering a full and final settlement figure as per CCS calculations. One company capital one wrote me a letter stating the following- To…
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Credit limit increase. Should I?
I have a Capital One platinum card, the interest is pretty high and I am aiming to pay off the £500 balance in the next few months. I have been making overpayments each month to bring the balance down whilst rarely making purchases. My limit has been increased a few times and this time round, I got a letter telling me my…
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Credit card harrassment - who do I complain to?
When I write letters I receive no response. Is there a regulator or Ombudsman who can help? I have had one specific credit card for about 5 years - indeed I spent about £5,000 on it last year. It stopped working in November and on calling the card issuer I was told that someone has fraudulently tried to change the address…
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Capital One (USA) T&Cs
Capital One says it can show up at cardholders' homes, workplaces I wonder if they'd like to try this in the UK.
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money and balance transfers
Hi guys, I'm new to the forums and have a question about money and balance transfers... I am looking to get a 0% credit card to clear an over draft and another existing credit card... can I get one card to transfer both of these on to? also how do I know that the card (if i'm accepted) will give me enough credit to clear…
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Luma card & capital one
Hi, I have the Capital one classic card with a £200 limit since 9 months and today I have been accepted for a Luma card with a £1500 limit. I was quite surprised to be accepted (7 defaults on my credit report! ) Capital one won't increase my limit on the Classic card, so I was wondering if I can apply for the Progress card…
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Barclaycard to Barclaycard?
Hello I have a Barclaycard Platinum card, on which the 0% interest on spending has expired. I am currently paying around £20 interest each month. According to the Eligibility Checker, the only BT card I'm likely to be accepted for is Barclaycard Platinum (30mths & 31mths). Is it possible to apply for this and transfer from…
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Natwest Platinum Card
Does anyone know about money transfers from a natwest platinum card. I know you are able to do this with old natwest platinum cards but have applied and been accepted today but was wondering if they still do money transfers as cant find the information online. If they do, do you know if they are at the promotion rate or…
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Credit card paying off enquiry
Hi, Apologies if this has been covered previously. If you have a credit card with credit on a partial 0% balance and the rest being charged on an APR'd balance and you want to pay it off, can you decide to pay off the amount which is costing you more, or is it based on when that amount was put on the card and works…
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Balance transfers from abroad?
Hi, I have lived in the UK for 6 years but have an old Irish credit card debt that I would love to pay off. Are there any credit card balance transfer deals out there that would allow me to transfer this old Irish credit card balance and a UK one? Any help greatly appreciated!!
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Working for a Credit Company - Mental Health Dilemma
I'm fairly sure we did something wrong here, but I'm not sure what would have been right. I think this one's going to live in my head for a while. I work in customer service for a credit card and loan company. We purely deal with credit in the UK, though we do have an actual banking arm backing us in Europe. Little bit of…
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What's the minimum repayment on a 0% RBS Platinum?
Hi all, Silly question here, but I want to double check. I was just approved for an RBS Platinum card (0% on all purchases for the first 15 months). We're getting married in June, so thought it would be nice to put the bigger purchases (e.g. honeymoon) on this card, set up a DD, and worry about it after everything else has…
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Barclaycard Initial
I called up to cancel my Barclaycard Initial as I have been given a Gold MasterCard from my bank. I was passed through to the cancellation department and the guy said he was going to upgrade my account to a freedom rewards card with no credit check etc. Has anyone else had this?
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Credit Card Default notice help
Morning, I have a credit card through Thomas Cook (underwriters barclaycard) I have for one reason or another fell behind on payments and yesterday I received confirmation of a default being put on my credit file as well as the threat of debt collectors being sent to my home. I am struggling financially (some household…
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HELP! DPA breach
Hi Not sure if this is the right place to post, but on Sunday I bought my daughter a portable DVD player for Christmas (yes, I know you're thinking.. But Liam..it's February) long story short, my ex and I split up and I only get to see her once a month.. This was the first time since the beginning of December (shocking…
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Credit cards
I think I'm in a bit of a strange place , I'm not out of my depth with my credit cards although I pay minimum amounts each month it has risen to £300 per month , if seems there is help if you can it afford your repayments or have a high enough credit rating to balance transfer , although according to equifax it is 928 ,…
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Marks and Spencer Card Safe - Very Poor Admin
I have a policy with them (For the last 10 years) which came up for renewal at the beginning of the month and I am having the devil's own job getting them to update the policy schedule correctly. This year I had a large number of changes to be made and phoned up their customer services to find out how this could now be…
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car hire with prepaid credit cards
I have been trying to hire a car in Portugal but I can only do so with a credit card. The companies I have contacted will not accept debit cards for the use of car hire. I wonder if anyone knows if they would accept a prepaid credit card. I have asked 2 companies via e mail, but the reply was simply to confirm the line…
