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Red Reclaims
My husband has been scammed by Red Reclaims who promised to refund the PPI search fee if no collectable PPI was found. Red reclaims are no longer in business and have not found PPI nor refunded the fee. Following advice from this website we contacted the credit card company (in this case Barclaycard) to claim a refund…
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Sneaky Bank of Scotland credit card interest rate recalculation
Just got an "interesting" letter through the post regarding my BoS credit card which currently has a 0% BT on it running successfully. They have invented a new way to calculate the interest rate applied to the card which was an already extortionate 25.95% for purchases. As from mid august this rate will be linked to the…
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Cashback or Reward Card with iPhone app (other than amex)
Can anyone recommend the best alternative to the capital one 1% card which is soon ending? Looking for a card with an app and some for of cashback. Preference was JL or M+S but neither seem to have an app
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Prepaids: Pockit or Kalixa?
I want to get a pre-paid card to help control my spending. I'm trying to pay off the overdraft on my current account so I want to transfer out a weekly budget onto a pre-paid and use it just for general day-to-day transactions until my OD is cleared. I purchased a Pockit card at the grand total of 99p after seeing it on…
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Do most retail outlets accept Amex?
I've never had an Amex card before, but I'm thinking of getting one because it's the top recommended cashback credit card on the site... Do most retail outlets accept Amex? I'm sure this isn't a problem, because otherwise it would have been flagged up as part of the recommendation, but I just thought I'd check here for…
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BT from Barclays to HSBC
I recently did a B/T from my Barclaycard to my HSBC card. When I log into online banking on my HSBC account, it's showing the £1000 B/T'd balance. However on my Barclaycard account, it's not showing anything. My £1000 balance is still there. It's not even affected the available balance. ...Is this normal? I always figured,…
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Credit card: recurring payment
Last month I had a closing balance on my statement that was a positive amount, so there was no money owed. To my surprise I had been charged intrest on my statement this month though, only to find out today that 'cash transactions' do not have a 30 day free intrest period and that the intrest free period only counts for…
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Lloyds Bank Club Lloyds and Choice Reward AmEx/MasterCard Duo
Mods: please feel free to move this into the correct section of the MSE forums if it's in the wrong area. Just a heads up (and I apologise if this has already been mentioned) but I now see Lloyds Bank are refunding £12 of the £24 Annual Fee for those who have a Club Lloyds account and their Choice Rewards card(s). However…
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Halifax clarity
The Halifax Clarity credit card is rightly recommend by MSE for getting cash when abroad. However, I have suddenly had my interest raised from 12.95% to 15.95%. They said my credit score had changed, yet it is 999/999 and I always pay off the bill every month by direct debit. After numerous phone calls, they will not give…
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Should I be able to reclaim the cost of this hotel under Section 75?
Hi, A couple of weeks ago I booked a trip I need to make for work. I bought a return train ticket and a non refundable hotel, and these are usually costs that I would claim back from work. HOWEVER the rail strike that is planned for next week if it goes ahead will mean that I can't travel. Whilst I know that they might…
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balance transfer by cheque - how long?
I recently did a balance transfer with Nationwide, from a Halifax card. As the Halifax do not allow electronic transfers, the transfer happened by way of a cheque. Nationwide posted the cheque to Halifax on Thu 7th May. Amount appeared on Nationwide account 8th May. As of today, nothing has appeared on the Halifax card...…
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HSBC Gold Credit Card?
Hi! Trying to figure out what the benefits the Gold HSBC credit card have. Tried to check it out online but can barely find any info on it. My partner has just found his HSC Gold credit card which he hasn't used in ages. He can't remember what the benefits are - if any. I have the normal HSBC credit card which doesn't…
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Need credit card for holiday
Hi all, Need some wisdom. I will be going to Costa Rica in a few weeks and plan to hire a car. The rental comp recommend paying the deposit with a credit card. I am pretty clueless when it comes to credit cards (never had one before) and would like some advice about which one to go for. What are some other considerations ?…
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Vanquis Refused to Stop Cash Advance
Hey I signed up for a vanquis credit card today and stupidly took the £50 cash advance option. I called back almost immediately after the call to stop the advance to be told that it was too late and they would not stop it, when advised I was going to cancel the lot they told me sorry you cannot cancel your application. Now…
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Teenagers travelling abroad without parents - prepaid cash card?
Looking for some guidance. Taking a small group of teenagers (14-16) to Canada this summer. :D They need around £200 spending money each. We cannot facilitate them taking cash due to security issues. Therefore ideally we'd use prepaid cash cards (e.g. Cash Passport). However they are nearly all over 18s only. I have found…
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0% Transfer to card with outstanding purchases
I need to transfer from a 0% deal that's coming to an end this month. I have a card I use for regular outgoings and they are offering a 0% rate on transfers. I always pay off my "purchases" card in full each month. I am happy to stop spending on the purchases card and switch to another, however, if there are a few…
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credit card - never had one but I need it now
Hello, I've never had a credit card and I'm hoping the scoring won't be a problem to get one now. Anyway, with a house purchase in sight, I need to apply for a 0% card so I can pay for some goods. I don't know exactly how the above works. If I spend 3-4k (I don't know exactly the figure), then I have 12-23 months to pay it…
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Fluid card problem
Hey guys, i recently took out a fluid card with 0% balance transfer until 2017. All was well for about 4 months, now this months statement i checked online and i have been charged 22.9% interest and no mention of the 0%. Can they take away the offer for no reason? Needless to say not happy about this as the 0% offer was…
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credit rating wont get any better
Hiya all I'm sure there is no magic answer but id like some advice. I have had a very poor credit rating which I have been slowly wirking on improving. Last year I applied for a high interest credit card just on the off chance and to my amazement they accepted me. Well various life struggles have hit us any now my credit…
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Credit card for newly self-employed
Would be grateful if anyone can advise. My husband has fairly recently become self-employed after a long career in teaching. He is due to submit a tax return for 2014-15 but doesn't have the time to do it at the moment so as yet he has no verifiable income for a good few months since his teaching career ended. In order to…
