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Money Transfer MBNA
I booked a holiday for a group of friends and myself, paid for using my card. We have had to cancel the holiday and payments have been made back to my card, however we are not booking another holiday in the foreseeable, and my friends are wanting their money back. Do you think I will be able to get this back without…
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Increasing APR
Today I received a letter from the credit card company stating they are upping the APR on my credit card They've stated they can do this due to changing circumstances in my credit. Basically saying if my score goes down, I use lots of credit elsewhere etc. However. I've been overpaying and reducing debts in preparation to…
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Section75 claim but I don't have a receipt
I have just started a Section 75 claim. On the form it says I have to have a receipt and that the credit card bill won't suffice. The claim is against a builder, he didn't give us a receipt. We have emails confirming the amount we agreed to pay, and this matches the amount on the statement. But we don't have anything that…
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Unsolicited financial gift from former Credit card company
I am in the strange position of having received what's best described as a gift from a former credit card company, the company in question has transferred a sum of money (under £1000) into my current account with a different provider. The company concerned is an app only provider which used to be free and then started…
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Do 'pre-authorised' transactions have to be pre-notified?
My debit card has been charged on the basis of a pre-authorisation. The charge occurred earlier than I had thought it would, and I did not want renewal of the service being provided. The charge they make seems to vary from year to year (upwards only!). The company making the charge, took the money and then only notified me…
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Whats the law on returning card payments
Basically I made a card payment on Monday the company website said had declined so I tried it a few more times thinking the money is there so it must be a mistake.I found that they had tried to take my money despite cancelling the order.I was then told it would be back in my back in 2 to 3 working days, the payment is…
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Section 75 completed - Vendor then returned the money 3 months later
Earlier this year I completed a section 75 claim with my credit card company against a purchase that never arrived. I have noted this morning that the vendor, 3 months on has now also refunded my original purchase amount to the credit card. What is the process in this circumstance, do the credit card company monitor such…
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Credit Card closures
Hey everyone, Basically I'm hoping to apply for a mortgage in 1-2 years, using a broker as I will have PDL's on my report. Anyway, I'm hoping to get the amount of credit I have available down but I'm unsure of which ones to close.. I understand that the amount of credit I have available can be a good sign if I manage it…
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Interest on purchase
Hi I have a debt already on a credit card I need to buy a new lawn mower, however I cant afford to buy one until payday which is 2 weeks away. My question is if I buy the mower now but pay back the credit card the cost of the mower in 2 weeks time, is the cost of the mower and interest added to the repayment, or is it…
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Credit card debt
Hi I have substantial credit card debts and I was wondering if anyone could provide any advice on the best way forward re dealing with these debts l. I live in n ireland thanks
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lloyds closing accounts
My husband and I live in the Netherlands and have kept a UK Lloyds account since we have been here. All fine. We have received an email today to say that Lloyds will be closing our accounts by the end of the year because of Brexit. We have had no previous communications about this. Does anyone know a bank that lets you…
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Storing Disputed Goods
How long must I hold onto goods that I rejected as not fit for purpose under the consumer rights act. The company concerned ignored my communication and visa refunded the amount though have not confirmed that the matter is closed. Thank you
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best deal
So I have money on a credit card that was run up with a family wedding. My present %0 deal is running out so looking for the best place to put it. I can't pay it off every month and just looking to put the balance somewhere where I don't use it but it is gradually paid off. Please no negative comments. Thank you
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Charged three times on a ticket machine instead of twice
I went to West Midlands Safari Park with my wife and 2 children. I decided to purchase while at the park a set of tickets for rides for my 2 children. each set of tickets cost £9 pound each. I made the purchase got the tickets and the receipt for both children. As I had the tickets for both children I threw the receipts…
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Prepayment Mastercards, Optimum, Pockit, Etc., Help !
Please can anyone offer any advice on the subject of prepayment Mastercards ?. For several years now I have been using a Virgin Money prepayment Mastercard for all of my online shopping and more recently, in the covid lock-down period as a contact-less card in some shops however, I have just been advised by Virgin Money…
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Split CC insurance claim due to company administration
My first post, hello all, Unfortunately I was informed on Friday 20th August that a company I had booked a mini holiday with (Floating festivals) has gone into administration, fortunately I had paid deposits and all my DD payments on my credit card but I suddenly remembered I switched CC in January for a better rate % rate…
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Bank cars for 16+
Hi which bank company and type of account is beneficial for a 16+ that can receive employer income, can be used for everyday essentials online and at the counter and can save the change into a savings account
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Refund of cinema tickets
We purchased tickets in the foyer at the Odeon just before lockdown. They cost us £64 and were paid for by credit card. Lockdown came and all the shows were cancelled. We rang customer services and they said they couldn’t refund the money because the transaction wasn’t done online. We were advised to hold onto the tickets…
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Parentpay / Credit Card charges
I have always used my credit card to pay for meals, trips, music lessons, etc on parentpay. This month (Aug 2020) I have been charged two “cash transaction fees” of £5.99 each by my credit card. Has anyone else experienced this? For security I don’t want to use my debit card online but I refuse to pay £5.99 per transaction…
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Avoid Sainsbury's Bank
I took Martin's Money advice and opened a Sainsbury's Bank credit card. BIGGEST MISTAKE OF MY LIFE!!!!!! Interest free??? They charged me interest. I got that sorted. Set up a Direct Debit. The money wasn't taken. They didn't contact me but I got an email from Expedia to say my credit score had gone down. Then Sainsbury's…
