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Retailer gone bust whilst product under guarantee - section 75 claim?
Hi, A piece of furniture I bought some years ago has become faulty and is within the retailer’s guarantee period. However, I have discovered that the retailer is currently in liquidation. I presume this renders the guarantee worthless and also that it would not be covered under section 75 (I think I bought it with a credit…
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Stamp duty on land and property
We wish to purchase a not yet built property on a small estate. For phase 2 The developer wants to sell each plot of land for £350k so he will have money to build the houses. Not sure what happened on phase 1. Our plot of land would be purchased in the next month or so but the house would not be finished until after the…
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Why can I only pay £500 off a £16,000 car brought at the car shop
Why can I not pay a bigger lump sum on my credit card to a car shop
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Capital one refund
Good afternoon, I had a letter from Capital one stating I was due a refund from a credit card that I had in 2010 (ish). Has anyone else received a letter like this before? It states I’ll receive a cheque within 28 days. I received the letter three weeks ago (mid July 2020) Thanks in advance. craig.
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Post Office credit card due date today (Sunday), paid Friday but post 6pm
My Post Office credit card payment is 'due' today (Sunday 09/08) Fully accept I should have been more proactive and paid it a bit earlier but it just slipped my mind this month (Nothing to do with financial difficulty or anything) Anyway I made a payment at 10:35PM on Friday 07/08 Payments made before 6pm are processed on…
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Advice on credit cards
Hi everyone. Just after a bit of advice really. I currently have a credit card with a limit of 3k where the 0% interest for purchases is about to end. I have no other existing debt and the balance on the current card is £0. I am looking to open another 0% card soon if possible. But my question is should I reduce the limit…
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Nectar points on AMEX credit card.
hello , is it necesary to actively transfer Nectar points on an AMEX Nectar credit card to the Nectar card account ?
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Amazon credit card security key compromised. What is the security key?
Amazon credit card was declined. Rang customer services and told the credit card security key was compromised. I asked what is the security key and how was it compromised? No clear answer was given. Transferred to another department and they had no clear answer either. What's going on?
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Barclaycard and DMP
July 2019 I entered a DMP with Stepchange. Barclaycard are one of the people I owe money to. They revoked my online banking, don't send me statements, if I call their automated banking it says my balance is £0, I tried to check the balance at a cash machine and it took the card. I am past the point of despair with them! I…
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Barclaycard form wrong answer?
Hi I have a sainsburys credit card with almost £9k on it, a mix of furlough and maternity leave has left us with a chunky debt to pay. The apr is 19.16% so its a fair whack of interest every month. Ive tried applying for balance transfer 0% but im not getting anywhere, probably because im on furlough or my utilisation is…
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Double credit card application
Can anyone please advise? I applied for a credit card and as I clicked complete application the full website crashed and I didn’t receive any confirmation email or anything so I thought it must not have gone through. So I went back on to try again, but I have just been told the first one actually went through and was…
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Section 75 Refunds
I have a credit card with MBNA which was taken over by Lloyds Group. I purchased new windows and doors for my house in 2018 and within few months, some of the units had developed faults; the door is warped at the bottom and top and lets noise and cold in, the bathroom window cannot be locked without applying considerable…
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SECTION 75
HiI recently bought two items from two separate companies. A laptop which has arrived and a cooker which is due to arrive on the 18th August. I specifically used my credit card to pay for these items in case I needed to use Section 75. The card I used to pay for these items has annoyed me immensely this evening. Earlier I…
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Cabot Financial Scotland
I got an aqua credit card in July 2017. The initial amount borrowed on the card was £100. My thoughts were that the money was being taken out my account each month through direct debit. However this was not the case and as I moved house and had several new phones since then I have never realised this as here has been no…
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4.9% p.a over 48% Months
Hi Ive had an offer my credit card of the above rate. Ive never done a balance transfer before and unfortunately at this time I currently need to. Can some explain this to me in really simple terms how this would work, Ive had a loan before and it was all set out before I signed up. say if I transferred £1000 is it that…
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Section 75 question
Briefly- I booked a villa rental from a US management company. Found out from the owner of the property they changed management companies months ago and had no record or payment for my booking. In accordance with the booking T’s & C’s I requested a refund. I was given a runaround so raised a Section 75 claim with Santander…
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Credit Card company reduced my limit...
I just wondered if the following is anything to worry about... I recently decided that my savings (getting not a lot of interest) are better off used to pay off my credit card debt (don't know why I didn't think of this sooner!)...so I had about £40,000 in savings, and cleared 7 credit cards, down to a zero balance, and…
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How to calculate how much to pay on paypal credit
Hi all I have a paypal credit account which I have placed several items on with the intention of using the interest free credit. When I log in to my account its not clear how I can see how much I need to pay to ensure it remains interest free. Up to now I have been guessing and paying what I think will cover the items I…
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M&S Reward Points
Very surprised to learn today that the validity of Reward vouchers which have expired during the Covid lockdown period is not being extended as, and I quote, " Unfortunately, as reward vouchers are valid for 15 months they were not extended to the Covid-19 outbreak." This seems a very strange decision. The amount involved…
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Co-op cashback credit cards
Now that everyone else has so drastically cut or ended their cash back credit cards, the two that have been available from the Co-op for years look fairly favourable for new non-Amex credit cards. The smile credit card has always offered 0.25% cash back, never great in smile's hay-day 20 years ago but now not bad, with the…
