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Can't cancel my Barclaycard or get new one
My 3 months interest free period with my latest Barclayard ended in February so I ended up waiting till last week to cancel it because they are doing one now which is 6 months interest free. So I phone up and was half an hour on the phone, I get told there are new rules in place and that if you have one Barclaycard you can…
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Balance Transfer More Than Credit Limit
Hello, This is my first post for a long time, reading back on some of my old posts i was in a very bad position and whilst my amount of debt is still very high most of it is structured now. I am hoping this will vastly reduce my number of credit accounts but i don't know if it is possible. I will try to be quick, i have…
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Card that can be loaded/funded with Credit Card ?
My Dear Friends, One question for you all if someone could please advice... I am looking for card, regardless in which country it is issued, that meets the following three conditions: - must be reloadable with funds unlimited quantity of times - must be reloadable ONLINE via some virtual credit cards terminal (web pos),…
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Credit Card Protection
Hello I bough a 3 piece suit from a local business in November 2014, This was delivered before christmas, and I also purchased insurance from the company for accidental damage etc. The total cost was over £3500, and I paid with my card (which is now completely paid off). I have not had any correspondance from the insurance…
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Please help me with advice re £26,000 debt on 4 UK credit cards.
My friend owes MBNA £6000 interest = £51 this month Barclays mastercard £5300 = 0% until April 2105 then 28% Barclays Visa £7400 = £94 interest this month HSBC £4300 = £50 interest this month I keep telling her to contact these banks and make an arrangement to reduce the debt. I used to work for banks in Australia and they…
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Santander 123 CC - balance transfer to account?
Hi, looking for some general advice: Just been approved for a Santander 123 credit card and have been given £10,500 limit. I have been against having a credit card but decided to apply for one to build up credit rating. When I was approved I was surprised as obviously have a good credit rating (I'm 32, employed, no…
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123 credit card - limit on transactions?
Wondered if anyone else has experienced this. I am an additional card holder on my husbands 123 credit card and my card keeps getting declined. Called the bank today and they have said it is because I have exceeded the number of transactions allowed on the account. Wouldn't tell me anymore because I am an additional…
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Chip and signature card refused by retailer
I have used chip and signature cards for many years... A couple of times in the last few months, retailers have refused to take payment in this way while accepting chip and PIN cards. I do know that retailers are not allowed to do this (under legislation forbidding discrimination against people with a disability): is there…
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Balance transfer - is it just me...
I've got a seldom used Barclaycard. Every week I get a letter offering a balance transfer deal. This seems incredibly wasteful on their part, once a quarter maybe... still it keeps the postman employed! Just wondering if this is standard policy - does every barclaycard customer get it or maybe just those who rarely use the…
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Post Office platinum card
Hi, I have a Post Office platinum card with a balance transfer on it which I am paying off at £85 per month. There is £421.00 left to pay (5 more payments). My question is: Martin says that this is a great card for going abroad and we have just booked a last minute trip to Spain in a couple of weeks time. Should I pay off…
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Section 75
Is there a time limit on being able to claim under Section 75? My credit company told me they were not liable when an Italian Car Hire company put £800 on my card 3 weeks after I returned it when there was no damage etc. But now I see they were liable. Can I still make a claim?
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Halifax Money Transfer
So on Monday last week I applied for a money transfer, fund received within two hours on 0% for 15months. This is my first money transfer and I can't find info anywhere but basically it isn't showing on my online account over a week later and isn't even deducted from my available balance? Does it take til next statement to…
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Help- am I clearing debt in the quickest way?
Hi all Hope you can help I have the below credit cards Barclaycard platinum - £6300 Barclaycard initial visa -£2300 I have now moved the £2300 onto 2 0% interest cards with Halifax and lloyds one for 24months and the other for 18months I have tried to switch the barclaycard platinum but can't get accepted for any 0% ones…
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Car Insurance problem
Hi my partner was until recently insured with Axa car insurance. At the beginning of Feb we cancelled the direct debit as I had found the insurance cheaper with another provider. We are now getting letters from Axa asking us to reinstate the direct debit even though we cancelled it and pay them £76. We didn't realise that…
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Credit Cards & ATMs
Forgive me if I seem a bit thick but..... I've read the guides for the cheapest way of spending overseas. Am I right in thinking that it is now better to use a Halifax Clarity CC for withdrawing cash from foreign ATMs? I haven't been abroad for a few years now but when I did travel regularly, the usual advice was to use a…
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Credit card fraud - does the victim ever get punished?
Someone used my cc details to buy something very large at the weekend. I have done all the right things - reported it and cancelled my card and, as far as I understand it, I won't have to pay a penny of the transaction, but what about the b*s*a** who is about to enjoy the spoils of his/her theft? Without going into detail,…
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Halifax Clarity Strange Limit
I've applied for a clarity card today to take abroad. Everything was OK with the application, but the estimated credit limit said £1.00. Anyone else experienced this?
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Whats best option
Hello Ive got 3 different debts outstanding. But 4 Credit accounts. HSBC Flexi Loan £3971 (limit £4000) HSBC Credit card £2290 (limit 4000) Barclaycard £3173 (limit £7800) MBNA £0 (limit £5700 ) What is my best bet do do to get credit file in check? Is it to put everything on one card and cancel all other credit accounts…
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Sainsburys PPI
Anyone had any experience making a successful PPI complaint against Sainsburys? HBOS / Lloyds have told me they cannot any find any record of the two Sainsburys cards I used to have. However, both Halifax and Lloyds were able to locate my old card accounts going as far back as 1998 and 2004, as was Amex. This is despite…
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Opus - can they just do this?
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