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Paying for goods by credit card
Hi I want to purchase some shutters but need to pay 50% deposit up front and order will take around 10 to 12 weeks. I’m worried if the company goes bust in between I will lose the deposit paid by credit card. Can I claim the cost back on my credit card if this happens. I want to help companies keep going but don’t want to…
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Account blocked
I am currently in south Africa on vacation. I withdraw some cash from the ATM and now they blocked my account. I called them a few times and they said I have to come in personally sort the problem. I told them that I am not in the country and I urgently need my card to work. They still said they cannot help me on the…
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Debit card charge
I seeem to recall that debit card charges were abolished a few years ago. Can anyone confirm please.
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Can a Section 75 refund be re-debited
We’ve received a credit to our credit card account from the Flybe collapse (from tickets bought direct from their webpage) In a letter received today, it states that if their claim is unsuccessful then the transaction may be re-debited to our account. I am wondering if this is just a standard letter, or if they can do…
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Unsanctioned payment
Please can someone advise. Basically , if I am making a purchase using a credit card and I don't enter the OTP , should the transaction not then go ahead ? What happened was I purchasing flight tickets, £960 with a credit card I hadn't used for a while. It said we will send you an OTP. I noticed that they had an old…
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Poor service
I recently paid half of my credit card bill £1000 in total to give myself a little breathing space whilst on furlough. This was paid 25th March within 4 days I received a text to say my limit had been reduced to £1100 as something appeared on my credit file. This is true a search for my last mobile upgrade had been…
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section 75
booked flights and car hire with DialAflight to go to Florida it seems that they may be only offering vouchers instead of refunds , I don't want vouchers as Virgin might go to the wall and then they will be useless ,can I claim on the card issuer under this section 75 or do I have to accept the vouchers and hope all is…
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Clarity credit card in a positive balance - cannot get through to Halifax?
Hello After cancelling all our booked holidays due to Covid-19, I've started receiving refunds onto cards I used to make bookings. One of the bookings was on our Halifax Clarity Mastercard and the refund has now taken this card into a positive balance. Is this against the terms and conditions of the card? Would they…
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Credit Card Fraud, Again - Advice?
Hello all Hope you are all keeping safe. Just looking for some comments and advice here. Just had to call the bank, BOS, to have my card cancelled due to three transaction attempts over the past three days. All declined as card was on 'freeze' This will not be my 4th card since the end of last year. One of the transaction…
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FCA standardising coronavirus assistance measures
Seems sensible, rather than the haphazard mishmash seen up to now: https://www.fca.org.uk/news/press-releases/fca-proposes-temporary-financial-relief-customers-impacted-coronavirus
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Section 75 - what are my rights if company goes bust and we have an agreement with a finance company
Hey, We recently commissioned company to fit a new fireplace, cost around £9k which we paid deposit on a credit card of £950, and were going to pay the balance on a 12 month interest free agreement with Hitachi finance - full balance payable before 12 month period up. If the Company goes bust without the work being done,…
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Balance Transfer help
Hi, im seeking some advice regarding balance transfers. Basically, a friend of mine has an argos card with a few thousand of debt on it. She has recently gotten a 0% credit card with MBNA, for which she would like to do a balance transfer for the debt currently on the argos card. MBNA say this is not possible for the type…
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B/T offer lengths shortening!
Having just logged into my MBNA account I notice my B/T and M/T offers have changed, gone from 18 months 0% to 16 months 0%. Luckily I'm not in any need of one at the moment but it looks like lenders are tightening up already. my advice FWIW is if you need one and are currently being offered one take it now!
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PayPal Credit Transfer help
Hi there, want to start look after my finances more and clear my Paypal credit balance, as you can imagine the interest is killing me! Is there any possible way I can use a 0% balance transfer card to help clear my debt faster? Been looking through several forums and a lot of people saying I would need a money transfer…
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Declined For Credit Card
Hi. I applied for a new HSBC credit card about a week ago. Mainly because my Virgin credit cards interst free period had ended.Now I went through numerous elibability calculators and they all said 90% chance of getting it.I've never been in depth or missed a payment. I dont owe any money other than my mortgage and car. No…
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Balance Transfers and Positive credit
Hi there, I have taken out a new balance transfer credit card and intend to transfer over a balance (circa 2k) from my current credit card. Due to the coronavirus I may have some refunds that will come through to my current credit card to the similar value of 2k. I may end up doing the balance transfer before the refunds…
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Mortgage/monthly rent question
When applying for a credit card, they normally ask about my salary, household salary and my mortgage/monthly rent outgoings. I'm not really sure what to answer to the "how much is your monthly mortgage" question. If the mortgage is in both our names and costs £900/month, do I put down the full amount? Or half? £900 is well…
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Other Household Income Question
I had a question, on basically all credit applications it asks for "other household income" and says that it could be partner's income, etc, if you live with your parents, does your parents' income count as "other household income"?
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AWARENESS - Creation cards- increase in minimum monthly payments
I pay my credit card balance in full every month so this makes no difference to me however wanted to make others aware. i received my Creation statement a few days back. On a balance of £533.34, the minimum payment is £106.67 which is 20%. didnt bother me however I did think it odd so when I was contacted by Creation today…
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Section 75 - British Airways and 2 transactions
Hi all, Annoyance here. As you may know, BA are being really awkward with giving refunds - they're trying to force everyone to take a credit note.Problem is this; they made me and my wife book separately, because you can't book only 1 set of luggage. So I have a bill for £99 and another one for £71.I'm guessing I can't…
