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Paying off balance vs interest being charged
I'm slightly confused about how interest is charged on a credit card vs the balance being paid off. My understanding of this has been that you are not charged interest on a balance if the balance of that statement is cleared by the due date. So, if I had £200 balance on my credit card statement when it was issued on 1…
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Section 75 Claim
Dear all, I recently purchased a vehicle and paid the balance via Tersco Bank credit card. The vehicle has gone wrong and the dealer is refusingh to assist with repairs. I have contacxted the Tesco Bank and started a Section 75 refund. They have stated that because the merchant account that shows on my credit card…
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Chargeback or Section 75
I am trying to recover my money from a vendor that charged me too much (199 USD instead of less than 10 USD) and has been stalling for 2 months. Which is the best course of action?
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Persistent Debt - Barclaycard
I am getting to the end of paying debts off, the last big loan, which is a car loan, is paid off in this June, which is £309 a month. I have not got any arrears, missed payments or late payments for the last 6 years for anything. I have kept on top of everything even though it has taken a while to pay it off, and some…
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Aqua increased my interest rate
So today I received a letter from Aqua saying they were increasing the credit limit on my card. They said this is based on either not staying within my limit (I do), frequent cash transaction (I never use my card for cash), not making payments on time (always on time). Has this happened to anyone else. I'm confused
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Debt concerns
Hi really need some advice, I have credit card debt which I can’t see I’ll every pay off. Like everyone else the bills go up but income doesn’t. a couple of the credit card companies have contacted me as I’m classed as in persistent debt. They suggest options to pay more each month. But i really can’t pay anymore then the…
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Section 75 - cancelled half marathon?
Apologies if this is in the wrong section. It’s a stab in the dark too. Would one be covered by section 75 for a half marathon race? The race was originally scheduled for October 2020, then postponed to April 2021. It’s just been changed to a “ virtual event” with an option to run virtually or defer again until October…
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Interest for balance transfer card and NEXT account
I’ve ordered a interstate free credit card and was hoping to transfer my Next account debt. I think I can buy vouchers and pay off that way but does this purchase then incur a cost after 3 months?
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Brexit Import Tax
On the 30th Dacember 2020 I ordered a 3d printer from a company with a .co.uk e-mail address which turned out to be Dutch (about £280 including 20% VAT), they dispatched the order on the 31st December and it got as far as the Dutch local sorting office, it is now a month later and according to the tracking data, the…
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Replacing Debenhams Credit card
We used to use two credit cards, Amex to collect Avios, and Debenhams CC to get points into vouchers to use in the the store, this card was used where they don't accept Amex. Now Debenhams is gone (no points anymore), do you suggest any good Master Card? I did some search and the ones available are really pathetic, some…
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I've been accepted for Barclaycard Forward Card.
A few questions.. Is this is a more mainstream card than Vanquis and Capital One? I'm hoping to improve my credit worthiness. I very recently got accepted for Capital One with a £200 spending limit. Also have Vanquis for £500 and this limit hasn't changed in 17 months. With Barclaycard they offered me a £1200 limit…
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Persistent debt credit card
Hello hope someone can help. we are in PD with barclaycard, currently owe just over 11k. was foolish, limit increased to ridiculous amount for income £12k limit for lesss than 12k annual income. Had PD letter and letter stating may have raised limit irresponsiblly but offering no solution. Went on a pay down plan of £400…
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New scam or hoax?
From FacebookBe aware of this New Scam Just something new to be aware off.....Received new bank card yesterday from SantanderWhich I thought a bit strange as there still 9 months on my current one.It wasn't a contactless one either like my current card.Had all the info on letter from Santander about how to activate it…
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rheinlands.uk
i didnt know where to post this , but here goes, my wife ordered 3 pair of boot from rheinlands.uk, the final bill came to £96 but they took £117, we tried to cancel as per their terms and conditions which state .... What is your cancellation policy? Cancellation of order is allowed on or before 11:00pm (PDT, -7 GMT) on…
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Has anyone completed or gone through the HSBC safeguard process?
Has anyone completed gone through the HSBC safeguard process? I received a text asking me to update my details by logging into my credit card account. (I don't have an other accounts with them). I went online and there was a 5 page questionnaire to complete, asking to confirm name, address, DOB, employer details and…
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Wife took out credit in my name and her own bank account
My son came to me and told me that his wife had taken out credit in his name but she used her own bank account. The accounts are for Studeo and Next. He is worried that he maybe held responsible for the debt.... thank you.
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Sainsburys dual credit card interest free period
Hello,First credit card for my wife and we're not sure about something.Is the interest free period 12 months or 56 days ?!The credit limit is 3.2k, if she spends it all (or let's say 1k) does she have 12 months to pay that amount (minimum payments will be paid monthly) or 56 days until she's charged interest rate? Why they…
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Refund to old card number
A while back I paid a holiday deposit. The card I used to pay has since gone out of date and been replaced. The company is now offering a refund. Do they need my latest card details or can they refund using the out-of-date card number that they already have?
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Wife's debt
Hi advice needed please. I recently found out my wife has run up around 10k worth of store card and credit cards debt. She managed to keep this from me for a long time as she used her elderly fathers address. She is now on a payment plan of £200 pm. My question really is if she defaults on payment am I jointly liable for…
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My story with Barclaycard.
For the last year I have been making the minimum payments to my credit cards,
due to some difficulties and in the last four weeks I kept receiving letters and text messages from Barclaycard informing they are suspending my cards. I find it rather perplexing that Barclays Bank and Barclaycard, with complete disregard to…
