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Credit cards

Archives for February 2021

Balance Transfer CC
Hi All I believe its a balance transfer CC I need but I just want to check that I'm right. I plan on purchasing a puppy which will likely be bought via bank transfer. Am I right in thinking I'd be able to do this via a balance transfer CC?
Chargeback v Section 75
Long story short. I bought a Hot foil stamping machine off Alibaba and used a Visa card to pay for it. The machine turned up and was really badly damaged. It looked like it had jumped out of it's 'crate'. The electronics box was badly squashed and this is towards the top of the machine, so at some point a 350kg machine had…
balance transfer offer disappeard
I've recently applied for a MBNA card which gives 25months interest free 0% balance transfer card with a 1% fee. The card arrived and it stated you will get 25 months 0% interest with a 1% balance transfer fee- all good so far! I went on line to transfer a balance from another card but it wouldn't let me, it said there are…
What is a CIFAS
I was just wondering how would someone get a CIFAS and would show on your public record or is it hidden?
Using our credit card for daughters wedding - does section 75 still apply?
We are paying for our daughter's wedding reception and dress with our credit card. Would this be covered by section 75.
Section 75 - definition of a "service."
My bank have been struggling to give an answer to the following question; If I pay for my 12 month golf club membership by credit card and (for example) the club ceased trading 6 months later, would I be able to lodge a claim under Section 75 of the CCA as the service I have paid for has not been fulfilled?
0% Balance Transfers - how soon can I move from one to another?
Hiya Last November 2020 I put my two old credit cards onto 0% balance transfers and figured out the amount I need to pay over these next 0% free 22 months to have them paid off. I have been super strictly budgeting as I have to now however, my issue is I needed to make a purchase of £800 (+vat) on one of them which I knew…
Chargeback possible?
Yesterday, I bought a takeaway meal from uber eats for £12. The meal was atrocious, cold, tepid, unfit for human consumption. Uber eats offered only £1.59 credit. Can i claim chargeback for this and when can i claim chargeback?
Balance Transfers - Did I jump too soon?
Hi all, This may sound a very silly scenario and as I'm still finding my way with credit cards as I've never really bothered with them and have usually paid debit for almost all purchases but used a credit card for those things that have fell before the next pay day. On my previous card I had around £1200 to pay off and my…
Worth paying shipping insurance?
I’m planning to buy a camera online. is over £1500 I had bought stuff before in this company but bellow £200 and always arrived by DHL. I don’t think they are based in the UK but for some reason the shipping label is from the UK. anyway now because I’m buying a more expensive item I debating in paying the shipping…
John Lewis Partnership Card - Section 75 time limit
I purchased a freezer on my John Lewis mastercard back in March 2020. The item has repeatedly failed during lockdown and the merchant finally said they could not solve the issue. They have been radio silent since and so I approached the credit card company to apply for a section 75. They rejected the claim as it exceeded…
Fraudulent transaction advice please
Hi Looking for some advice please In a moment of madness I purchased what I thought was a legitimate investment using my Tesco credit card. I have not had contact with the company since, it was clearly a scam. I contacted Tesco and after 30 weeks they have finally advised that I am not covered under section 75 as it was an…
Interest rate increase what to do?
Hi all, I have a card with vanquis with an Apr of 24.7% I've received a letter today that they're increasing it to 29.5%, I have spoken with them and they said I can either accept it or stay on my current APR but that I'd essentially be closing my account with them, I've been with them for over 2 years, never missed a…
Removed credit card association with Paypal but they still took the payment
I removed the credit card association with Paypal, not the credit card itself, but they still took a payment I am in dispute with them from it. How can they do this and should they have done it? Is this not illegal? Paypal first tried to take the payment from my bank account but I had cancelled the direct debit instruction…
Advice on clearing credit card debts with high interest rates
Hello. I was wondering if anyone had advice on how to clear credit card debt with high interest rates. I've been researching different ideas, but I'm still stuck. I have debt of around £12k spread over two cards. I can afford the monthly repayments (I pay more than the minimum), but the interest rates are so high that I…
Credit Card balance tranfers
Why are the credit cards companies not offering balances transfers on existing accounts anymore?
How to calculate redress from Barclycard?
Hello; as reported on MSE, BC has been ordered by the FCA to pay compensation to customers it treated unfairly between 2014 and 2018. I now have all records requested under an SAR from that time. I'm wondering how to work out what is due. Is it all 8% interest per year as with PPI added to over limit and similar fees?…
Credit Card Claim
I have followed MSE for a while and after hearing how much safer it is to use your credit card to pay a part of something over £100 we decided to do this with a big trip we had planned to make last year. Everything was fine until Covid came along and the world closed down in March just two week before out first flight. We…
Too many addresses - anything I can do?
I’m British but grew up abroad so no UK address until I came here for uni. Had to use my uni address to get a UK bank account. I moved house every year during my degree (4 addresses), worked for a year post-uni (+1 address) then started a PhD in a new city (+2 addresses since starting). As it’s my only UK address, I’ve…
Credit Card Settlement Advice Needed Please
I have 4 unsecured debts that are all with a debt collection company. Since around 2013, I have just been paying a small amount of between £1-£5 per month. The companies are Hoist Finance, Cabot Financial, Link Financial & Lowell. Due to the current situation with covid, I have not had work for over a year and most of the…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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