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Using 0% purchase credit cards for PCP balloon payment
I'm trying to save to buy a car once our PCP ends (in OH's name but it's primarily my car), and I'm now wondering about paying the balloon payment and buying the car - but I'm not going to be able to save the amount which it would cost and I'm wondering if I could pay the balance with a 0% purchase credit card. I'm just…
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Section 75 or 75a claim?
Hi, Long story cut short, I’m looking to reject a new car as it keeps going into limp mode and the dealer is unable to repair. The car cost £67k and I paid £5k of the deposit on a Barclaycard. The dealer is rejecting the rejection as they can’t find a fault although they know there is a problem (diagnostics have thrown up…
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Marbles NewDay Ltd
I received a letter a few weeks ago from my creditor Marbles NewDay Ltd to state thet they will no longer be acting to collect on the balance of my account and will be marking my credit file as "satisfied". Is this good!?
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To close or not to close
Hi guys, I have a Barclaycard credit card with a 9k limit. Problem I have is that I have a Virgin credit card with another debt on that ideally I would like to transfer to my Barclaycard but I've not had any offers for a while. My offer on my Virgin card is due to expire in November. Would I be better off holding out for…
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Section 75 refund to correct poor building works
Hi all, I would appreciate your advice on the following situation we find ourselves in. We have paid around £6100 for a series of stained glass windows to be encapsulated in double glazing and fitted into existing frames in our 1930's property. The work has been completed to a sub-standard finish, with the joinery aspect…
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Balance transfer
Hi, I'm new to this so please be patient. Not even sure i'm the right place? Question is: Can I balance transfer from LLoyds credit card to MBNA?
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Mastercard Securecode changes
Just recently when using my Mastercard online to make purchases, there has been the Mastercard Securecode splash screen popping up saying that 'shortly they will be sending out texts as part of the Securecode verification'. Or words to that effect. I am guessing that this is an extra layer of security and that you have to…
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Has anyone applied for vanquis chrome card?
Hi, has anyone applied for vanquis chrome card? I am lookiling for a creditbuilding credit card. I was ill for 2 years before starting treatment and my creidt score was ruined in that time. What credit limit were you offered and interest rate?
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Badly need advice please! Interest rates
Hi, So I have got accepted for a marbles credit card. Basically I only need around £500 for a holiday which has already been booked in July. I am only 21 so got declined for any loans so I am wanting to use the credit card as a loan. *** the offer they have on is 5 months 0% interest. So can someone please tell me if I was…
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advice regarding purchased software
not sure if anyone here can help, but its worth a shot. i work in the design and architecture industry, and recently trialed a demo for a leading cad software package that a company i currently am freelancing for uses (its one of the big industry standard programs) having used the demo (you have to download the full…
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Vanquis PIN
Hi guys I have a vanquis card replacement as lost my old one, don’t remember pin and I’m away from Friday. Is there anyway I can find the pin without them having to send to me? I notice they have a PIN reminder on their online account but would this just auto send a letter to me. That’ll be no good at this point.
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American Express Airmiles offers
Was i dreaming or is there an offer on at the moment that involves using the card at Wickes and Argos amongst others to get extra Avios miles
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RE: credit card limit reduction
Hi Guys, As I have mentioned in my other posts I have loads of credit cards with lots of debt and in 5 months I have reduced my debt from £39844.51 to £31873.73. Today I got a text / email from Halifax saying they are reducing my credit limit from £6550 to £5050 (Current balance is £4850) I don't mind this as I'm not using…
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Credit Card Return Money
Morning guys I was a bit of a pleb and accidentally payed "The Post Office" Credit card off. Gave them £900 instead of the £200 I planned. They were happy to return it. But 10-15 days? What a joke? Its my money, understandably my mistake. Is this punishment that they can make interest off my money while I dont have it?! I…
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Credit card direct debit to be paid on same day as payment due date - bad idea?
I got an Aqua credit card recently and I swiftly set up a direct debit to pay the full balance each month. The direct debit is scheduled to be paid on the same day as the payment due date. I did not choose this date myself as there was no option available to choose the date. I would much prefer if the direct debit was to…
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Should I take a loan to clear credit card?
Looking for some general advice please.. 1st time poster so please excuse me if I have posted in the wrong place. We(fianc! and me) have a credit card balance of £8000 we’d like to clear, she is currently on maternity and will only return to work for 20 hours per week. We recently got engaged and are looking to wed in…
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New Day: Bye Bye Minimum Payment?
The Notice Of Variation sent out to New Day (i.e. Aqua and Amazon credit cards) through messaging in their online account manager appears to do away with the Minimum Payment. There will be attention paid to what New Day calls "paying down the balance". It doesn't really affect me personally but it might affect customers…
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Annoying extra security on credit card website
Capital One has recently introduced an additional layer of security on its website. Every 90 days, in addition to logging on with user name & password, the customer has to provide a once-only code which Cap 1 sends to their registered telephone. This pre-supposes that the customer actually has a telephone, which may not be…
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Will I have to cover the fees n case of chargeback? Confused
First time in.the forums :) Sometime ago, my boyfriend booked for me a stay in a fancy hotel abroad for my birthday. And a few days ago, we argued really badly and in ended up in a break up. He said he will file a chargeback with his credit card company to get back the money hotel booking (it was an advance purchase rate,…
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How long can a credit card with hold money??
How long can a credit card withold my money for because a payment was rejected??
