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CCJ set aside
Hi I have lived in Enfield and stayed at the same address for around 10years and recently received a ccj. I was about to move to Hertfordshire and begun changing my car/licence details but that fell through. I have always been registered on the electoral roll in Enfield and would have informed my debtors when I had moved…
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Balance transfer husbands card.
Have just got the Santander 0% c/c and want to transfer my husbands balance off his c/c. They weren't able to do this with it being in his name. What is the best way to go about this? Could I transfer the £1000 onto my c/c that has no balance and then get Santander to transfer to that card?
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Paying credit card off mid-month and effect on credit rating
Hi All, I have a credit re-build card which I am using responsibly to build up my credit rating following illness which took a toll on my credit file a few years ago. Unfortunately I lost my normal debit cards a few weeks ago, so whilst waiting for them to be cancelled and new ones sent I had to use my credit card. Work…
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Virgin Flying Club vs Avios
I have been collecting Virgin Flying Club miles for a number of years in the hope that when i reach retirement (2yrs) i can have a holiday for nothing so to speak. I also collect Avios points for the same reason. Being as i am no youngster i wondered what would happen to my points if i died.I could not find any info on…
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New card and pin within 5 days
Applied for the Halifax Clarity card last Sunday evening (online) as going away tomorrow (Sunday flight) v.early :( got pin Friday and card today - Saturday :) all set up online with my existing Halifax accounts last Monday. Nice prompt service from Halifax, though have had many card deals and accounts with them. don't…
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Sainsbury's Master Card ???
Hello. Could anyone having a Sainsbury's Master Card, paid off with a monthly D/D on your bank account, please advise :- Did they fail to take a D/D in February and add the charge into your March D/D ? Thank you. Pauline
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Aqua claiming interest even though balance paid off in full
Hello. My husband has an Aqua credit card. On Thursday morning he paid the total balance on his statement in full, using faster payments. On that night and the following day it showed amount owing as zero and the available credit as the credit limit for that card, i.e. everything paid off. Yet this morning, on line, it…
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Balance transfer but same card provider?
I have a balance on an MBNA card which is attracting no promotional rate at the moment. My husband can apply for the MBNA card with the low transfer fee and 0% rate. Is there anything that would stop us moving money and benefiting from this rate even though it's MBNA to MBNA?
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Tsb advance master card
Hello I have had poor credit rating in the passed and have been running a aqua card now for 8 months no miss payments never over limit or anything, the other day I applied for a tsb credit card they said they would get back to me 48 hours later I had a text message saying my application was successful and they would send…
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Sant 123 vs Tesco CC with club-card vouchers
Hi, I just moved from my old bank to Santander 123 and now have their credit card along with my Tesco credit card that has my clubcard attached to it. We always used our tesco card for virtually all of our purchases (tesco grocers, tesco petrol and normal online shopping etc) it was handy to get the clubcard points and we…
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Green Deal Home Improvement fund issues
Hi Just had an Green deal certificate issued which indicates that I need a new boiler and double glazing. For this work I can claim up to £1250. However, every plumber etc I have called are not approved Green Deal installers. Same story with double glazing companies! Basically the company who did my assessment are…
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Santander 123 Credit Card
Got a letter for this through the post today trying to get me to sign up. It says guaranteed acceptance until 17th April, subject only to money laundering and fraud checks. Do I take this to mean they already have found a means of deciding I am creditworthy, but without doing a credit check? If so, how have they done this?…
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Newday Ltd
Anybody managed to contact this company re their credit card of late? I have a missing payment which I'm trying to chase up, and their phone lines are constantly 'busy'. No matter which option I try on their phone line - even 'lost/stolen' - I get put on hold for 30mins and then cut off. Have tried seven times now (3 1/2…
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section 75 refund
to all those who can advise me. I am trying to reclaim back a refund from credit card for a sofa bought nearly two years ago. However the credit card company are asking for the reciept and warranty. I have lost the reciept and did not take out any insurance. Where do i stand in this case????
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Business credit / charge card
My credit rating isn't the best, but I'm working on it and it is getting better. I need to wait for a couple of things to drop off for it to fully improve. I do however own a business with a healthy turnover. I am looking to get a commercial/small business credit/charge card to cover small expenses. I bank with HSBC but…
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Halifax Clarity card refused
I applied for, and received a Halifax credit card in January purely to pay for the flight and deposit for my holiday to Peru in July, this was paid off as soon the statement arrived. I asked on this site the best way to get money in Peru and the answer came back the Halifax Clarity credit card. I go into a Branch today and…
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Requesting available credit transfer between cards with Barclaycard. Possible?
hi, I am looking for people who have 1st hand experience of this, one way or another. at this moment this is a theoretical question. you have 2 cards with Barclaycard, one of which you have had for years has a large available balance which is unused and the other is a new one with a long term balance transfer promotion…
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how long will it take
Hi, If my credit card statement is produced on the 18th when will it arrive in my house. Is it first class?? Thanks
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HELP NEEDED! Is applying for 2 credit cards helpful or damaging to credit rating?
I recently got laser eye surgery and planned to pay this off with credit cards only to avoid interest as Optical Express only offer 10 months interest free. (and 11% on £4000 is no small amount!) So I thought about getting a credit card with 0% on new payments for longer to bring down my monthly payments. I have done all…
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Lloyds Avios credit card
Lloyds now offering existing customers balance transfers of 21 months for a 3 percent fee.
