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s. 75 CCA and goods bought via intermediaries
MSE says here in relation to goods bought via intermediaries: "If you stand your ground, it's possible to argue that the indirect relationship constitutes an arrangement to pay. The Court of Appeal decided this was acceptable in 2006, but it's unlikely to be an easy task." Does anyone know what this case is? I've googled…
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Spending £15k.. best reward card?
Booking flights and accommodation for a group holiday spending ~£15,000 from the one card. 10 man road trip of California next Easter. Will be booking flights through skyscanner and accommodation through air bnb then renting a mini bus on arrival! Best rewards card for doing something like this? Head is spinning trying to…
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Purchase then 0% Transfer ?
The youngest wants a top of the range IPad with all the bells n whistles i.e. pencil, keyboard and ear pods c. £1400 ..... the eldest is yet to hit me with her santa list :) I am waiting for the sales and was going to get it on my credit card and then immediately do a 0% balance transfer to one of my other credit cards.…
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Amex credit limit
I've just applied and been accepted for the everyday platinum credit card from Amex. However, I've been given a credit limit which seems astronomically high (for me!) of over £5k. I only spend about £600 a month so I'm wondering if I should request a lowering of the limit as my credit utilisation is only going to be just…
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cancel a card and start again?
Hi I was looking at the best money transfer cards (MBNA, Virgin, Tesco) & unfortunately I've got them already (MBNA with a balance on it, others now clear). I might need to borrow some cash again in the near future & these cards seem to be a cost efficient way to do so. If I cancelling the Virgin/Tesco ones & reapply would…
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Merchant Credit
Hi everyone first post here! So around 3 months ago i placed a charge in an establishment. Around 2 and a half months ago i closed my credit card with no outstanding balance. Around 2 month ago i got a merchant credit for that particular establishment and got refunded back which i need to go through the staff from the…
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Chargeback
Hi, I made an online purchase from what I understood to be a UK based retailer, purchasing a jacket. On making the purchase I received no email confirmation or any communication from the retailer. I then received a parcel from China with the import paperwork stating that this was the jacket I had ordered. Yet upon opening…
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Thomas Cook Sport Section 75 claim
Guys, would like some advice on a Thomas Cook Sport section 75 claim against Natwest/RBS. I am trying to claim back £634 paid to Thomas Cook Sport (which is a trading name of Thomas Cook Tour Operations Limited) for a UK packaged football sports booking which included a hotel stay and hospitality tickets purchased on 14th…
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monzo card
Hello, not sure if this is the right forum but im sure some of you guys have used these and can point me where to post if wrong place. I had a revolut account but this seems to now be blocked on my mobile possibly due to it having a custom rom. or out dated security patches which i dont want to upgrade the rom just yet as…
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Amex credit limit to salary ratio?
6 months ago I applied for my first amex card and got approved with a £6k limit. I've had the card for 6 months and never missed a payment. I want to ask for a credit limit increase and just wondered if amex puts thresholds on how much credit you can have in relation to your income. So they won't give you more than 20% of…
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Why don't Asda accept AMEX cashback card?
Now i know there'll be people who reply that yes they do but i'm wanting to try and find out why they don't accept mine. Asda's website claim they do: http://asda-stores.custhelp.com/app/answers/detail_grow/a_id/1890/~/payment-methods Yes there's the "ask us a question" link at the bottom of that link but as i suspect…
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Is it worth getting a credit card to improve my credit rating for mortgage applications?
I'll be looking into buying a place within the next 12 months (hopefully sooner), and while my credit rating is pretty good, I feel it could be better as I don't have much credit history. So is it worth the hassle of getting a credit card simply to appear more attractive to mortgage lenders? Or will it not make a huge…
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Visa Card with Text Alerts
Hi, Our current Visa card provider does not offer any form of text alert service for weekly balances or sudden excessive spending etc, so are trying to find one who does, but without having to use a smart phone App. Seems Barclaycard do use Visa and such texts but no idea how good their service really is ? Also welcome any…
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Too early to request limit increase?
I have a Barclaycard 0% 26 month purchases card that i am using for daily spends and the money i would have spent is going into repaying a personal loan. The card has a £4k limit and ive held it since the end of August. Its nearly maxed out (£3600) Looking around im pre approved for MBNA with a credit limit of £7000 which…
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How does Amex cashback work?
Hi all, Just a quick Q I was hoping I could get some help with! I've had an Amex platinum everyday cashback card for a year now so should be receiving my cashback this month. This is my first reward card and I can't find anywhere online a good description of how the cashback is actually paid back to me - will I get a…
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Money refunded to credit card - transfer, use?
Hello all, I've received a refund to a Marks and Spencer credit card but this card no longer has a balance transfer facility available for my account. My HSBC account states that it won't accept payment from M&S. I've got a Sainsbury credit card account that won't accept payment from a credit card. I've not found M&S's…
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Reject Car
Purchased brand new car Mar 18 from main dealer . Inside 6 months had fault, have evidence of booking appointment but they called to cancel as waiting for advice from manufacturer. Fast fwd 1 year they can’t fix it and the car is dangerous to drive. They accept in conversation a rejection maybe only route. I. Bought new…
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Shop refusing to refund
I purchased a brand new Air Rifle from a shop yesterday, but upon using it I notice there's an intermittent leak. It's faulty. I paid £180 for this in addition to some pellets at £10, subtotal £190. I paid with my Vanquis Card. Please can somebody tell me if there's any recourse for a refund for just the Air Rifle as…
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No fee 0% BT offers for existing customers
Has anyone had one recently? Perhaps when you've gone to close an account? If so, who with? I have several cards that I've just paid off at the end of 0% deals so have a few I could close if they're no longer any use, but just wondered if some might be more beneficial to call to 'close' to get the offers? I've checked the…
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Can banks pay off interest free component of balance first?
Hi there, bit of a complicated one, searched but not managed to find elsewhere. So I have a balance transfer card, and it had a three month interest free on purchases. Transfered a balance of 2k across and spent 1k. As the three months was coming to an end I paid off the 1k. However my statement says that I have a…
