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Contact after chargeback
Hello,I recently purchased a device that arrived faulty. I contacted the seller to request a return, but instead of following their own terms and conditions they kept asking me to perform troubleshooting that I had already done and documented. A lengthy email exchange followed (over a few weeks), where they repeatedly…
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Merged: Having huge difficulty with trying to get a balance transfer
This discussion has been merged.
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Vanquis balance transfer card - not being able to balance transfer at application stage
I have a balance i need to transfer from another credit card. I applied for a balance transfer with HSBC but without going into details, its taking FOREVER and I dont even know if I'll be accepted, so I went back onto an eligibility calculator and saw i was pre approved with vanquis. I applied and the next day I got a…
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Bought a pram for my daughter's newborn baby, it's faulty, Section 75 rejected by MBNA (LBG)
At the end of June, as a gift for my daughter's baby and my first grandchild, I bought a pram bundle from retailer Mille and Ralph, I used my MBNA credit card for just under £1,000. The baby was born on 15 September 2025, within two weeks the wheels started to fall off - the pram was clearly dangerous and it went back for…
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Should I keep my Credit Cards open?
Hi there, hoping for some advice please. After years of credit card debt, I finally paid them all off this year - woohoo! :* I currently have several credit card accounts open as a result of multiple balance transfers throughout the year, but my balance is £0. My total credit limit is £42,100 spread across seven cards. All…
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Lloyd's ultra visa
Noticed the above on MSE Newsletter. 1% cashback on ALL spending (incl overseas) for a year. Applied for and approved last night. Saves me messing around buying certain things with Chase and others with Nationwide, and their respective cash back limits. Also keeps what I usually spend with those earning interest until due…
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first direct Classic Card statements disappear from the App
First Direct moved me from a Classic Card to a Credit Card on 5 November. They emailed to say "the only things that will change are physical card, card number and payment details". What they didn't say is all my statements have gone from the App. Six years of my spending history is now ... history! Has this happened to…
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Problem with balance transfer
So seeing if anyone has had this problem? ! Requested a balance transfer for my new credit card ( first direct) to clear the balance off my old credit card ( NatWest). Now this was done last Thursday and the balance on my new card is showing the balance I requested off my old one. Fast forward 8 days later and my old card…
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Difficulty with getting hsbc credit card
I dont know if anyone else has experienced difficulties in dealing with hsbc when trying to open a credit card - ive never had these issues with any other bank before. I applied for a balance transfer credit card on 19/11/25. On friday 21/11/25 I got a text message to say my application had been accepted and my credit…
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Possible to dispute these charges?
Hi there, I'll summarise my position... Halifax credit card balance 23/10: £125.39Payment due date: 18/11/25Refund from merchant (31/10): £111.16Total amount outstanding: £14.23 I forgot to make my own payment, so at the 18/11 the amount outstanding was still £14.23. Credit card statement 23/11... Late payment charge…
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Vanquis Interest
Hey All, I'm a newbie, so thank you for taking time to read my post. I have a question, which may fall into the 'buyer beware category' but I hope the combined expertise here may answer the question. I took out a 0% balance transfer offer in the summer. I worked out my plan to pay off the balance in the allotted time frame…
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Best credit card solely for Section 75 protection
I do not have a great credit record, I got into a lot of debt many years ago and vowed to never get one again. However, I hear on consumer shows the value of Section 75 protection for purchases over £100 and below £30,000 so I am considering getting one just for that protection. Considering my lack of credit record except…
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Credit card reversal of Direct Debit
Hi All, I am writing on behalf of my wife. She has a credit card Virgin, and was paying it off on 0% regular payments. But last month ( September) she got a email saying that the payment had been missed please make minimum payment. Why the direct debit was cancelled on September we didn’t know we made the required payment…
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So called 'AI' and overseas travel (Note: For 'AI' substitute 'Algorithms')
With only a couple of exceptions, banks now say you don't have to advise them of your overseas travel, as 'AI' will take care of you. This really is absolute nonsense! Within a week, I have had to contact Lloyds (Ultra card) three times when it's refused to make payments! 🤷♂️ Nothing more than £10, at a time. Maybe it's a…
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Marked Down by Credit Reference Agencies for Cash Withdrawls on Specialist Travel Credit Card
For many years I have had a Santander Zero specialist travel credit card. I've used it all around the world - hotel bills, restaurants, shopping, etc - without charges and it has worked very well. From time to time, it is withdrawn from new applicants, sometimes for several years, but my card has always remained valid and…
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Duped?
I'm completely new to this. I recently checked my eligibility for a transfer to a new 0% deal on the MSE site. Santander was top of the list and it indicated 100% likelihood of acceptance. I applied, indicating how much I needed to transfer and the details of the relevant card. I was accepted and it wasn't until I logged…
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AmEx UK Customer Services or Bereavement team e mail address
Has anyone had any luck in attempting to get an e mail address for UK customer services at Am Ex? I am trying to deal with a bereavement notification and despite the bereavement team e mail address noted at the top of the B. notification form - i have received an auto message back saying I need to call as that e mail…
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Halifax clarity
Hi, Is there a way of finding out how much the exchange rate is that you're charged on foreign transactions before the payment comes out as it doesn't show the exchange rate while it's pending it only shows the payment comes out on the statement
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Santander Zéro unexpected charges
I've had my Zero card for years and never incurred any charges. On my last 2 statements there are Quasi cash interest charges. I can find no explanation for this on Santander's site. Any ideas?
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Balance transfer and credit advice
Hello, Like a fool i have managed to borrow too much on credit cards and now the monthly payments are getting pretty high. I have managed to transfer a sizeable chuck to one new card on a 36 month interest free card but when i tried to apply for another interest free card i was only offered £480. I suppose £400 on an…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
