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Boiler help!
Good afternoon! Just need abit of advise regarding buying a new boiler! So I'm in a pickle as to what would be the best way to pay for it so I either do it over 10 years on 9.9% Apr 24.00 per month..I've worked out over 10 years it's costing an extra 8.43 per month with that interest rate...(works out nearly 1000.00…
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Applying for a Credit Card during the Corona Virus
Hello, I am wanting to apply for my first credit card but with what is going on now with the Corona Virus, I wasn't sure if it effects my chances of being accepted as I am worried that my request would be rejected and make my credit score lower than it already is. Also, I already have a visa debit card with Barclays Bank…
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Disputes against me
I run a small Airbnb, and most of my bookings come through Booking. com. I have a no cancellation policy and Booking. com are providing no help to me financially. Guests can do a credit card dispute presumably. As guests pay Booking .com directly first, will Booking .com have to pay the chargeback or will I? Airbnb btw are…
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Trying to reduce interest on credit cards
Is there a certain template or email that should be used when approaching a bank to reduce credit card interest for a period of time? Also by asking them for a reduction what implications are there for a) Asking b) Getting?
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Section 75 Consumer Act
I ordered an item of furniture from Laura Ashley with their Laura Ashley branded a MasterCard. The company has gone into administration now but is still trading. The furniture did not arrive by the stated delivery date and Laura Ashley have said it won’t be delivered now. I contacted the credit card company and they have…
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Section 75 Maiden Name Holiday Payment
Hi All, Hopefully a quick question for someone. I have a credit card in my married name however my holiday invoice is in my maiden name. If I pay some of the balance of my holiday with my credit card will this still cover me under Section 75 even though the invoice is in my maiden name? Thanks!
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Positive balance on Debenhams Credit Card
After cancelling flights, I recently had a large refund credited to my Debenhams Mastercard, leaving me with a positive balance of over £1200. I called the Debenhams credit card line, and asked for my positive balance to be credited to my bank account. They processed my request, but said it will take about 10 days for it…
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Applying for 1st Credit Card - Great Credit Score, But Thin File
Hi all With all this free time suddenly on our hands I thought I would do something productive and look into opening my first credit card. I don’t ‘need’ one, but it’s been on my to do list for a while to build credit and have extra protection for buying things like flights. Step one to this was checking my credit score,…
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Why can't I get approved? What's changed?
Hi, this is my first post. I'm paying a lot of interest on a balance transfer credit card since the interest free period expired. I really want to swap to a new 0% balance transfer card, but I'm having no luck. I've always been able to do it in the past. I'm not sure what's changed? I have one other credit card that I use…
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converting sim credit into cash or goods.
I saw a post about this created in 2010 but all of the methods listed nolonger work, I am looking for a site that allows me to use mobile billing to get giftcards or prepaid cards for amazon.
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Refund on Vanquis Credit Card
Hi guys. Because of Covid-19 I was unable to use my monthly bus pass and requested a refund from the bus company. Luckily, they accepted the request and refunded the whole ticket amount over 2 weeks ago on 24/3. However, since I bought the pass with my Vanquis credit card, I don't really know what their processing time…
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Credit balance on credit card
Probably a daft question but I cleared my credit card balance but then accidentally transferred £50 into it so can I just withdraw it at an atm without incurring any fees?
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Monthly Interest rates - Help
Have a Business Master card on 1.87% pm (YES PM) Is this calculation for last 3 months correct. statement period is 3rd to the 2nd (ie 30 days) Jan statement balance as of 2nd Jan - £4680.71 - Interest charged - £144.96 later interest charge reversed £42.84 - So interest £102.12 Feb statement balance as of 2nd Feb -…
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Section 75 claim
Does anybdy know if a claim is made to recoup lost money if the company is still trading does the card company recoup the money from the trader. I would hate to think that companies get away with not refunding money for faulty goods because the claim has been made under section 75
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M and S Credit Card Account will not accept payment by Bank Transfer
Since the 26th March up to today we have made 8 attempts to pay the balance on my wife's M & S Credit Card by Faster Payments Bank Transfer from two Nationwide current (Flex) accounts. On each and every occasion the payment is immediately returned stating "Payment rejected. Terms and Conditions of the destination account…
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Annual Payment of Goods
If I was to pay for an annual payment for an insurance product but the company purchased through and who deals with claims etc go bust, how would I get back a refund of some of the annual payment made? Is the only way through the credit card company? Just wondering for a purchase later on this year.
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Aqua 6mths Balance t/fer Money t/fer
Excuse the title, Whilst checking my Aqua account to tonight, before I receive h2save extra to hopefully avoid persistent debt 48 month repay full balance Rule -which I have upto 2 months to avoid via 'Booster' payments (I'll make a medium one of extra payment) Interesting that on that very account, Aqua have 2 6 months 0%…
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clearing credit card debt
I'd be grateful for any advice. I've had a large credit card debt for several months but have managed to get it down to just under £5000, divided equally over 2 barclaycards, one with a credit limit of about £6500, the other with a credit limit of £4000, interest rate on both is 12.44 %.I've now got £5000 extra cash and…
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Section 75
My credit card provider tells me that the cancellation charge imposed by the airline is not covered by sec75 whereby if I had booked cheaper seats I would not have received any refund. Is the credit card provider correct?
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Fees on 0% credit card purchase in Europe
Hi, Hope someone can help me on this? the title isn't exact. Question If i had a new UK 0% purchase credit card with a 29 month period, would i be able to make a purchase in a European country (5K Euros) with the credit card and still receive the 0% offer and pay it off during the 29 months? Will the 0% offer not be valid…
