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Credit cards and Debt Collection after death
Hello - Need some advice. My father recently passed away, and I am now sorting through his 'affairs' We have discovered a sizeable amount of debt owed to Amex, and two debt collection letters from Wescot and Cabot.... His estate was made up of £250 in the bank and a few quid in his pension account (literally a few quid)…
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Halifax Clairty Credit Card - Changes? how does this affect me?
Hi there has been a change for the halifax clarity credit card it now says that theres a fee if you make a purchase in a non sterling currency. Does this mean that if when your abroad and you select to pay in the local currency instead of british pounds. There will be a charge? Im not sure how this affects me. I thought…
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Accepted then declined by Aqua... Confused
I applied for an aqua advance credit card online and then got an acceptance letter through the the door - I had to sign and date the credit agreement and return to them. A week later I have recieved a letter with a differant reference no that says "our records show you have held another card provided by new day for less…
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Question about transferring overdraft
Hi I am looking at the virgin card to transfer my overdraft to but my husband also has an overdraft i would like to transfer too. Anyone know if this is possible? Thanks
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Section 75 winner....
Hi all, I used the template letter off MSE to claim back £136 from Halifax after I got a fake watch over the internet. It couldn't have been easier and Halifax were really good. Thanks again money savers! David
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Credit Card Interest Rates
Hi Sorry to sound dumb but i thought it would be better to ask first than be caught out later, So i have just received my 1st credit card ever, I am fairly sure ive got things right but i thought i would get some advise before i even activate it The APR is 39.9% Say i buy something for £100 then pay off the minimum at the…
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How to get FREE cash-advance on Euro Travel Card?
I have just applied for FairFx Prepaid Travelcard (euro) using the MSE link and very happy with my £20 - thanks! Question I have is, will it be possible to get cash advances / money-back from big supermarkets in FRANCE. And, if so, will that be free of charge or will FairFx still charge me €1.50 as if I did that at an ATM…
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Halifax Clarity Credit Card for Travelling
I'm travelling to the USA next month and wanted to know if it would be better for me to get a travel credit card. Reading the "Travel Credit Cards" article on MSE, Martin says (about the Halifax Clarity Card) that: "There's no fee for cash withdrawals, though you'll be charged interest at 18.9% representative APR even if…
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Not sure if accepted or not
Hi can anyone help me please, I applied for a Barclays initial credit card last Friday and at the end of the application it's says your application is processing but then asked me to create a passcode and memorable information, does this mean I've been accepted?? I have heard nothing else since from Barclays. I tried to go…
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0% Balance Transfer Credit Card - conncected to debit card?
Hi I want to transfer a credit card (nationwide) that has a debt of £1200 to a 0% balance transfer credit card. I also have a current account with nationwide (debit acc) which I want to continue to use. Would this affect the closing of my nationwide credit card account? Apologies I am new to the world of 0% balance…
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Does 0% credit card mean I could just pay minimum monthly balance?
I've been using credit cards for a few years and I've always paid the monthly bill in full and therefore never gone in to debt. I generally spend £300 between Amex and Mastercard a month. I've always ignored the % interest on them as Im confident I'll pay the balance off. I recently spoke with Tesco for my Mastercard and…
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Has the debt been sold ?
Hi, I received a letter from Moorcroft in regards to a credit card debt. It is my fault it has come to this but is there any way of telling from the letters if the debt has been sold or there is still some hope to negotiate with the CC Company. The letter reads...the client maybe able to offer a substancial discount, to me…
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Halifax Clarity - Rewards no longer available?
I have a Halifax Clarity credit card and was thinking of setting up a Reward Current Account so that I could take advantage of the £5 credit card cashback as detailed on the MSE website in the Cashback Credit Cards section. However the Halifax Clarity weblink bears no reference to this reward and when I spoke to Halifax…
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New Tesco credit card - ouch on fee
As a Tesco Bank customer we thought you’d like to know about our card with the fastest Clubcard points earn rate – the Premium Credit Card. It’s a credit card and Clubcard in one, so for every £1 you spend on your card in Tesco, you’ll not only get the usual one Clubcard point for your shopping, you will also get an extra…
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Rejected for the Halifax Clarity card?
So I'm a little confused here. Early this year I applied for the Lloyds Avios credit card and was rejected. I assumed it was down to my age and lack of a real credit history. I was accepted for an Aqua card that I used for around a month and then I applied for the Lloyds Avios again with a few different details such as my…
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HELP! Aqua Card keeping hold of my money!!
Hi there, I am in dispute with Aqua Card over the following: I made a balance transfer to my Capital One account from Aqua Card, however, I mistakenly did this twice. This has put my Aqua Card massively in credit and ran up a large bill with Capital One. I was being passed from pillar to post regarding which company had…
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advice needed on Sainsburys 27 month 0%
Apologies if this sounds like a stupid question, .. I'm in the final stage of getting a Sainsbury's Nectar Credit Card with the 27 month 0% period. But, I thought it could be used to make a large purchase and pay it back over 27 months without having to pay any interest. But when I read the paperwork with the pre-contract…
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MBNA Application Query
Hi, Just applied for an MBNA card - the eligibility check said I'd have a good chance of getting the card and so I submitted a full application. It came back saying 'sorry, we can't give you an immediate decision, please call us'. Almost an instant later, I then received an email from them saying my application had been…
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pre 2007 credit agreements
hi all could someone help me as i am getting conflicting information i asked a credit card company for a cca which they sent but it wasnt a true copy wasnt signed ..so i was informed that because the agreement was from 2002 and it isnt signed it cant be enforced through the courts ..could someone tell me is its true or not…
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What are the advantages of a credit card?
I'm nearly 20 and I do have a credit card, but please allow me to explain why I'm asking this. So I know credit cards kind of work as a loan, and one of the benefits of having one is that you can borrow money as such, and then pay it off the next month when you get paid or whatever. But is that it? Although I really like…
