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Ripple energy (credit card act section 75)
Hi, Ripple Energy has gone into administration and I'm part of the cooperative shareholding, can I get my money back from my credit card provider? Thank you.
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Omno massive APR increase
I wondered if anyone is with OMNO? I’ve been with them a year. Suddenly they’ve increased the APR from 29% to 45% from May this year. They say it’s to do with individual accounts but also changes in market conditions. They gave to option to not accept this but it means your account is effectively frozen and closed. I…
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Tesco Credit Card Offer
On Martyn's Money not long ago was the Tesco Credit Card Transfer offer over 18months 0% for 0.99% fee. I have two Tesco Credit Cards have used 1 of them for over 25 years and the other for 10+ years. Tesco sent me an offer by email a couple of weeks ago of 0% transfer til end of Jan 2026 (approx 9 months). So I spoke with…
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Ability to obtain a credit card
I was looking into some of the details about certain credit cards. Being new to these forums I ended up on the Experian site, which told me I had to make a positive of a few hundred points to be eligible for a 0% retail card. Oddly, the notification mentioned a pre-approved card with a 49.9% APR, while Ocean Card offered…
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Card payment - FedEx has goods - won't release them :(
Hi, Received FedEx notification for duty / tax payment, in order to clear my goods from UK customs / clearance, for delivery to me. FedEx payment page will not recognise my UK postcode, therefore I cannot make card payment to them for duty & tax. My goods are now withheld from me in a clearing house somewhere. FedEx is…
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Section 75
My wife and I want to purchase a solar panel system and pay for it on both our credit cards which are in different names. Will we still be covered by Section 75 if something goes wrong or does it have to be paid for on the same credit card?
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Using Balance Transfer 0% interest CC to pay off personal loan
I have a small personal loan with Santander, £2,600 at the moment with left 2yrs to run. I can easily pay the repayments at the moment. I don't want to use my meagre savings to pay it off as they are for emergencies only. I have a new Barclay Card Platinum CC 0% interest for 20 months on balance transfers and 23 months on…
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How to prove credit card fraud???
There are a total of 9 transactions on my wife credit file from Oct 2024 totalling around £3000 which were taken fraudulently. The credit card company claim that the transactions were made via our IP address therefore they will not class it as fraud and we will have to pay off the total. A bit of background.... We have had…
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Paying off debt
Dear forum friends, My partner has £50,000 of credit card debt, most of it due to visiting his mother in the States and spending long periods nursing her as she has dementia. He is freelance and makes no money when he is away. We have 7 cards, most of them no longer 0%. We are renting out our flat and couch surfing to…
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Getting on top of debts
Hi I could do with some advice please? I have two credit cards where i'm close to the limit on both. On my Natwest one which has £9,395 on it I'm currently paying the minimum payment of £98 per month, however this is due to increase from May this year to over £600 per month. My other card is with Lloyds and has a balance…
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Barclaycard application errored out then accepted a week later
Hi, I applied for a Barclaycard Rewards card a couple of weeks ago. I did the application via MSE credit club and when I got to the end and submitted the application, it then told me “something went wrong, your credit score hasn’t been affected”. I had forgotten about it all, no communication from them. Until a week later,…
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Advice for a low earner please
I'm not eligible for a credit card as I am a selfemployed low earner living with / caring for aged parent having lived abroad most of working life etc. However I have been invited on a cruise (lucky me) and have been informed that I need to have a credit card to deposit with cruise company even though I do not intend to…
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Fly Dubai is not refunding fully flex flight. Shall I chargeback ?
Hi Few weeks ago, a friend of mine requested me to book a fully
flexed refundable flight. I checked on Fly Dubai website and booked an
expensive but fully refundable flight. Now when I cancelled that flight well
before stated 24 hours, flydubai is emailing us that refund will be in the form
of vouchers, not in the form of…
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Wife's money loans
"acting on behalf" Hi Everyone, I have a massive problem atm because I think my wife is cheating on me. Also she put both of us in debts. Long story short is that I have been taken away by the police because she rang them saying I am aggressive towards her because I took her phone and said this is going to be a proof of…
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Using Zilch abroad?
I have just opened a account with them and have got a Credit Agreement and have the Visa card so can pay for thing over 6 weeks and have got a Credit limit. Just wanted to know if i can use it while abroad on holiday? i have looked on their website but can not see very much about using it abroad.
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Nationwide switching incentive
Hi, I recently switched to Nationwide and I need to pay in 1k to receive the incentive payment. Could that be in two payments of £500 or it has to be 1k. Also does it need to remain the account overnight 24 hrs? Thanks
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Misleading Nationwide Credit Card Rate Increase
It appears that Nationwide staff do not understand the difference between percentage points and percentage. I received a letter informing me of an increase in the interest rate from 19.9% to 24.9%. This, it stated conclusively, is an increase of 5%. WOW!! Some people will read this and accept that 'headline' figure and may…
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Section 75 claim for used car
Hi, I purchased a car November 24 using my credit card for the deposit, traded in my car and paid the balance by debit card. ( the one I used was my husbands but it's a joint account. The bulk of the purchase was the car we traded in. There was 6 months warranty provided, the card had been having issues and I contacted the…
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Credit card balance and payment allocation
Can someone clarify this for me please. I have a total balance of £1,000 on my Barclaycard (rounded to make it easier). I have £700 on 0% until August 24 and £300 on 0% until March 24. Last month I made some purchases for about £350. I repaid £350 few days later (but before the new statement). I got the new statement and…
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Moving my CC debt to interest free, no job, on benefits.
I've got 9K of debt with Tesco CC and although I'm reducing it, the interest is making it very very slow progress. I've a fantastic credit score (had credit my whole life), from what I've checked. My only income is from benefits, after an illness has forced me to become unemployed. Where and how can I shift this debt to…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
