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Section 75 question
I'm not well versed in how section 75 works. My basic understanding is that for anything between £100 and £30000, with any part paid on cc, makes the cc company jointly and severally responsible for any breach of contract or misrepresentation by a retailer or trader. It seems currently cc companies are rejecting section 75…
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Virgin direct debit
I have a direct debit set up each month for virgin money. I get paid on the 28th every month, I recieve a statement on the 8th and they always take the money on the last day which is the 28th (due date) , I've rang them up multiple times as I was concerned that as it would take two working days to process i would default…
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Credit card refund for cancelled events
Over the last 12 months I’ve bought tickets for events on my credit card for myself and friends. These events have now been cancelled and I assume I will be refunded. I still have an outstanding balance on my card from other purchases (I paid off all ticket purchases immediately with money give to me for the tickets) but…
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Confusion
So around 4 weeks ago I had a notification on my Capital One account saying I needed to pay £27.10 as my account was now over the limit but my account was only £6 over? I tried checking my transactions to see what the £27.10 was for but there was an error and they would not load until I paid the money. The week after I put…
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Vanquis bank asked for more proof of income?
Around 45 days ago I applied for vanquis credit card online and I have been approved and my credit limit is £1000 card and pin arrived and then tried to activate the card but what I see, they ask me to call customer service to confirm my income then they need 3 month of bank statement and three payslips with my Driving…
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Getting money back from credit card
following refunds on credit card from holidays not going ahead, I now have over 1k on credit card for me to claw back. do I have to spend on this card for a month or so or is there some way for me to claim this back as money from the credit card company? no idea if this is relevant but it’s a tesco credit card.
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Prepaid Mastercard or Visa
Hi, I'm looking for a low fee prepaid card that I can ideally top up with cash? I'm mainly going to use it for online and in store payments.
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Help!!!
Eurgh I’m so annoyed with myself for listening to somebody who I thought knew about this as I don’t quite understand it! Ok so I have a 1000 pound limit on a vanquis credit card, I use that whole 1000 a month and pay it all on time and use again.. I was told that was ok but the whole point of me getting this card was so…
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Payment holiday on a 0% interest card
Hi, would there be any penalties taking a payment holiday on a 0% card. I have a Lloyds and mbna. It's not very clear on the website. Also would taking a payment holiday go against you for any promotions on the card regarding balance and money transfer.
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Low APR credit card
Need some advise.... I'm thinking of applying for a low apr card I know TSB are doing (advance) at 7.9% and some other lenders are showing 9.9% (Lloyds, Halifax Flexi & Bank of Scotland). My personal spending habit is I rarely use a credit card, if I do, its paid it off in full within 10-15 days at point of purchase. I…
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Barclaycard payment holiday
Has anyone else tried to apply for a payment holiday using the Barclaycard online form? I have just tried, but one of the mandatory fields is not working.
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Credit card Utilisation when to pay statement
CC statement arrived yesterday and pay by date is 2 May Experian next report date is 21 april 2020. As I understand things my CC company will have or will be sending details of my statement balance to Experian say for example £300. On or around 21 April a search is made by Experian which will show that I have paid this…
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Interest after promotional period
Hi, I have a small amount on a credit card for some white goods I had to purchase recently due to some others breaking. The card had 15months 0& on pourchases made in the first month (or 2) of the account opening. The amount outstanding is currently earning no interest, and I'm paying back the minimum payment each month as…
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Group Holiday one credit card payment
Six of us are going on holiday in September ( hopefully) one person is paying for this on his credit card and we are paying him ..if this holiday falls through do we a get our money back ?
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Accepted by LLOYDS, HALIFAX and BOS CC then Rejected
As title says, been with all three banks for many years. HAd a basic account with them and alwys tried to upgrade to a current one but always got rejected. This week i tried again and instantly upgraded with 10 seconds to current accounts! Finally, i thought! Been waiting a long time..... Thought i would see if i can get a…
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How does PayPal handle Amex refunds?
Evening all. I have a refund coming from TUI for a cancelled holiday. Payment was made on my Amex via PayPal, as TUI doesn't take Amex directly. Question is, will the refund automatically go back from PayPal to my Amex as a credit balance? I've not found a clear answer to this online and to be honest it would actually be…
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Paypal
Can you pay off your PayPal debt with another credit card? If you can, Is it considered a purchase or a balance transfer?
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Debit Card fraud claim declined by Santander
This is probably a trivial matter compared to all thats happening at the moment. But Im so stressed with it, I don't know what to do. Someone had been using my Debit Card without my permission and after reporting it, my fraud claim has been declined. I used an ATM on the 24th and left the card in the machine. Simply the…
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Holiday refunds
I have paid in full a holiday with my credit card to Jet 2. They have contacted via email to say the holiday will be cancelled and they are going to ring me with options. We are considering rebooking the same holiday for the same date next year. If Jet2 went bust and I had changed the holiday would I still get a refund…
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£45 contactless limit
Has anyone tried, successfully, to use this new limit? If so, could you please tell us which retailer(s) you used.
