-
CCJ on Statute Barred Debt
I had an Argos Store card taken out May 2007 - last payment 06th January 2011 - DCA issued claim 18 April 2017. So no payment or acknowledgment for six-years and 3-months to claim being issued. I received a letter before action from the DCA that did not relate to the Credit card in question, so I sent a pre-action Protocol…
-
Capital One Subprime - Maximum Limit 4k?
Anyone know the maximum limit for the Capital One sub-prime cards (e.g. Classic, Classic Complete, 'Platinum' etc) - basically every card that isn't on their site as needing a good credit rating (which is just the 0% BT one at the moment). I've asked, several times, in several different ways, what the maximum limit is -…
-
Different end dates on 0% rates
Hi, With different end dates for special offers are the monthly payments made to the part ending soonest? It's an MBNA card with 0% ending Oct 2018 and further one in 2020. I pay double the minimum payment which is enough to clear the 2018 offer if all the payment is made to that part of my account but I'm not sure how…
-
Paying off barclaycard with AMEX Gold
Hi there, I am just wondering whether it would be possible to pay off my Barclaycard credit card with an AMEX Preferred Rewards Gold card? On the portal where you pay it does say "debit card" but since AMEX is a charge card, is this accepted or is it strictly debit cards only? I have ordered an AMEX Gold and it should be…
-
Can you use a mule card to transfer a balance for a family member?
I am helping out a family member, hoping to save them around £9000 in interest over the years by transferring balances.:T Some of the cards I have been accepted for do not allow transfers from other people, one is Tesco so I will use that as an example. Could I transfer it from my family members card to my Barclaycard…
-
Help Please
Hi we have various debts spread over 5 credit cards that are currently all on 0 % deals which are always transferred onto another card to continue this form of paying them off. My question is would it be better to pay off our mortgage quicker (we have 10 years remaining and owe 125k ) by overpaying (which we can do without…
-
How Bad are credit cards
Hi I have balance transferred my balance onto a 0% card & it's round £3400 - if I'm paying more than the minimum amount (about £50+ a month) but it takes a few years to pay off is this a problem? Can I keep balance transferring until it's paid off to avoid interest? Thank you
-
Post Office CC - Strange Pending Transactions
Looking at my online statement I see these charges 1st - 300 quid - Travel agent <--- legitimate 2nd - 2000 quid - Travel agent <-- legitimate 3rd Paid off 300 quid via debit card 4th Paid off 2000 quid via debit card 5th Pending Charge (2300) 6th Pending Charge (2000) (so pending charges are 4300) Both with the following…
-
spreadsheet for interest calculation on Credit card
Does anyone out there have a spreadsheet that will calculate the interest on a credit card which takes into account of on going purchases and existing balances? Got one for a loan but I want to take into account new purchases too. cheers S
-
credit/debit card charge to be axed
As far as i understand in Jan 18 it will not be legal to charge extra fees (even processing fees ) for paying by credit/debit cards. I run a business whereby people renting abroad pay their utility charges invoiced by the bill which is emailed monthly, they then have a week to pay and usually pay with their credit/debit…
-
Credit card application before re-mortgaging?
Hi, The fixed term on my mortgage expires in a couple of months and I have an appointment with the mortgage advisor to find a new deal in the next couple of months. My question is, if I apply for a credit card now will it have any effect on the mortgage offers I receive? I currently have no debt other than my mortgage and…
-
Barclaycard - Do the issues still exist?
Evening all, I’ve had some credit issues in the last 6 years, although been very responsible for 2-3 years with no issues. Not great, but a start. I’ve a 2.5 year old CCJ and a settled default from 3 years ago. But some good credit history aside from that. I’ve a Vanquis card which I barely use with a £500 limit for 7…
-
Selling house to clear credit cards?
Hi, so we've managed to rack up around £18,000 of credit card debt between two cards (£10k on a 0% card). We have £22k equity in our property and have an offer on it to sell, considering renting for 2 years and clearing the cards. Any advice on this please. Although rent is around £200 a month more than our mortgage so it…
-
Aqua - Card & PIN Envelope
Hello, A bit of an odd question but has anyone who's received their card and PIN from Aqua in the last 12 months had the envelope brandad with the logo on the front etc. or is it the standard "Private and Confidential' white envelope with no branding? The reason I ask is because in our communal area, letters with branding…
-
Barclaycard Late Payment Charge
Hi guys, Apologies if this is commonplace and discussed ad nauseam. I made a credit limit-equaling payment on my card mid-September, in the belief that my balance was clear and this would help build the old credit rating. Turns out a car battery I bought in late August meant my balance was not clear. I assumed my early…
-
Capital one
Hello All, I applied online for a capital one card and got accepted instantly set up a direct debit there and then and was told card would be sent next few days.. however i just received a text saying application ref XXX and they would contact me no later than 7 days time? Has anyone else had this please? Thanks
-
Debit card charge?
Hi, after some advice please. I have recently purchased a new kitchen and paid the bulk of it physically in the kitchen companies shop using their chip and pin machine via my Visa Debit card. My understanding is debit cards do not incur the % charge often experienced with credit card transactions, but on receiving my final…
-
Credit Card Debt out of control
Hi, I am new to this forum! I need help urgently, I have a credit card debt which has now reached its limit at nearly £14,000 with over £300 a month minimum payment. I have had my card 10 years and over the last 3 years I have got made redundant and had a child with childcare costs that take over half my wages "I work…
-
dont bother
On martins advice i applied and recieved barklaycard for travel.I was promised good rates in cash machines abroad and no interest charges if paid off in full by statement date.Sadly none of this is true i took out 200 euro and got 1 euro to the pound and was charged 3% cash withdrwal fee.I did this a second time a few days…
-
First credit card, 0 credit rating, currently on career break..
Hi all, I've had a read through MSE's credit card advice pages and I have a couple of questions.. I'm hoping to apply for my first credit card (bit late in the game) and hoping for a travel credit card as I'll be travelling a lot this year, but also a card that I'll be able to use here at home and build up my credit rating…
