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claiming a refund under section 75 of consumer credit act 1974
I am in dispute with Anyvan.com I paid £1000 with Barclaycard for a very poor house move service,so I am trying to get some compensation. according to the letter from Barclaycard I am not covered ,Why?
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Credit card fraud
I took out a Lloyds credit card last April purely for the money transfer option which was 24 months at 0% as it was a far cheaper option than a short term loan. I haven't used it at all since the transfer and it is in the safe. This month I went online to pay my monthly payment and noticed 4 Amazon transactions on it that…
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A warning - stay way off Barclaycard when abroad
I'm sure many of you savvy folk know they charge 2.99% on non-sterling transactions so using them to spend abroad or draw cash makes no financial sense. However I did use them for the deposit of a car rental because I wanted the section 75 protection and as it's just a deposit no real transaction takes place - they just…
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Credit Card Company Cannot Give Me Specific Date With Regards to Credit Card Default!?
I am in arrears with a certain UK credit card company. I am close to defaulting. I want to avoid default, as I may need credit in future for “emergencies.” I have just phoned their call centre, and I asked repeatedly “on which date will the default specifically be activated, if I do not manage to clear the arrears or setup…
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Fraud on an MBNA credit card - a (mostly) good experience
A couple of weeks ago, I logged on to my MBNA account and immediately saw that there was something wrong - the total owed was about £1,200 when it should have been about £50. A closer look revealed three fraudulent transactions a week earlier - two debits and (very strangely) a £50 credit. There was no way that these could…
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Curve
Lloyds is buying Curve. HFP says it's the end of Curve https://www.headforpoints.com/2025/07/13/lloyds-bank-in-talks-to-buy-curve/ .
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cancelled American express cards
hi i have just been notified by American express that all my cards have been cancelled , this includes business cards i also have euro and dollar cards and business cards , they have all been cancelled with 2 months notice , i have contacted American express and they will not give me a reason why , i make regular payments…
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Section 75 and grey area
If I use my credit card to pay £1 of a £120 pound product and my partner uses her debit card for the other £119 ... can I claim section 75 for the whole £120 if there is a problem with the product?
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Section 75 ?
Hi all Forumites - I am a member of a club with approx 120 members. If we get a club credit card for larger purchases...within the Section 75 limits, are we still covered under the act? I know how it works for an individual but unsure if it covers larger purchases for a club.....?
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Lloyds and Halifax Payments and Card Being Blocked
Hi I have a Halifax Credit Card that I use for everyday spending, and I pay off the balance every month. This is not the first time that I have had problems with a payment being blocked to a genuine UK company (In this case to pay the balance on a holiday), on the grounds that it is a suspicious transaction as it is…
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Switching to a different Mastercard credit card - which one and how?
For several years now I have been using a Mastercard from Tesco Bank, which has always been paid off in full each month. So while they have never had a problem with me, I'm now after a different provider simply because I'm sick to death of Tesco's app not showing the true situation with my account, and payments in always…
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What can I do? (think I was irresponsibly approved a credit card)
So I applied for a credit card in 2021, I was employed for 2 months at the time (and job before that was employed 3 weeks left to go to that job, and before that I was unemployed for 6 months and all jobs before were temps) and I was approved and the next month after I was fired, so naturally I used the card to stay on top…
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Lloyds/MBNA
So I’m getting close to when I’ll need to move a 0% balance that is ending it’s around 4-5k on there websites direct I'm pre approved £3,500 for both cards so I was hoping to only need one card. We go away in 3 weeks for 4 weeks so realistically don’t think I can make up extra payments maybe when we got back to pay off…
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Section 75 or Chargeback query
Hi, I purchased a watch in Lanzarote mid March on holiday. It was over £100 and payment made using a credit card When I got home I discovered the watch wasn't working. I contacted the manufacturer in the UK and they wouldn't accept it as a return as it wasn't purchased in the UK. The best they could offer was for me to…
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Got new 0% balance transfer CC from Vanquish, but Zable won't allow me to do transfer balance
I've been working on rebuilding my credit and my scores have finally increased to qualify for a 9month 0% balance transfer cc - i applied with the sole intention of shifting over my very expensive Zable CC and paying off during the offer period. I was accepted for the new card and put the the details of my Zable CC to…
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Amex preferred rewards gold card worth it?
For the last few years my wife and I have largely used our Amex Platinum Cashback credit cards for everyday spending this has an annual £25 fee and we pay the balance off in full every month without question. The result is usually around £250 to £300 back annually from Amex from spending between £1200 and £2000 a month.…
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Holiday Money - on Credit Card
Hello, looking at a good credit card, for spending on holiday, will need some cash, but would also like to use for taxis, restaurant's, shopping etc. When returning home, may no be able to pay off in one hit so concerned at the 30%APR cards. Any ideas? Thank you.
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Barclaycard Rewards Card CPAs
The dental practice that I use has introduced new computer software. Previously, monthly subscriptions were taken by Direct Debit. The new software does not support that. They can now collect monthly subscriptions only via credit or debit card Continuous Payment Authorities (CPAs).They wanted me to set up a CPA up over the…
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0% interest rate - Minimum Payment
Hello! I'm very new to the world of credit cards and am exploring a 0% interest rate card for large payment soon. I am getting my head around the minimum payment rules and have been confused by some. There is a barclaycard one that I am eligible for which states: "always pay at least the monthly minimum repayment (1% of…
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Halifax Credit Card - Interest Charges
Ok, help me with this question! I have several credit cards, barely used and if they are they are paid in full when the statement is issued so I do not pay interest. It was my understanding that: You buy something You get a statement showing your purchases weeks / days later You pay in full before the due date You don’t…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
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