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Section 75 claim question - husband paid on his card, receipt has my name on it.
Total disaster, we are long past chargeback. Can anyone advise please if Section 75 of CCA applies, or best way to discuss with the credit card companies?Husband bought a bike for himself and in the same transaction paid the deposit (£750) for a specialist to adjust my bike frame and rebuild my bike on that frame with…
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Serious MBNA warning!
So I took out a 0% card for a big purchase. I was aware that the interest free period was for purchases in the first 2 months which I was fine with as this was all I got it for. However for convenience I made a fairly large purchase that I planned to pay off in full when the statement came through. I was surprised when the…
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Advice re Credit card Charge on house please
Hello, any advice on what I should do here to undo this gladly accepted ;) 2001 Credit card debt (Had some mental health issues and refused to pay card balance to bank as they had charged PPI I was upset about) Amount = circa £4K Taken to court and charge affixed to my property for the sum Debt sold to a debt agency who…
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Falsified credit report details
Hi, I'm looking for some help. My credit score is rather low currently and I noticed a credit card that has been paid off and closed down for over a year I raised a dispute with Equifax who have today replied that they got in touch with TSB who had advised that the credit card is still open and has £5000 owed to it. I have…
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Credit card interest when normally paying in full but not one month
Has anyone had experience with the above heading? I normally clear my credit card balance in full every month, and have done for many years. A couple of months ago, due to a cash flow issue, I decided to only pay £850.00 out of the £1311.17 balance. Nationwide credit card charged me £33.99 in interest. The interest rate on…
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Clearpay charging me the wrong amount for an Amazon order
I bought a book on Amazon for £18.95. No problem, order details stated £18.95 as the total. All fine book delivered. My big mistake was paying for it via Clearpay . They have charged me £21.82 and have set up payments accordingly. I have queried this with them but in spite of opening a dispute with Clearpay they are giving…
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Barclaycard Rewards Card - 0% Purchase Offer and impact on existing 0% balance transfer
Hi all I have Barclaycard Rewards Credit Card. There is currently a balance of around £2.5k on this card however it is 0% until July 2026. I have received an email from Barclaycard offering 0% on purchases until January 2026. If i was to take this offer, will I be foregoing my existing 0% balance transfer? TIA
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barclaycard Avios
i have held this card for some time, a friend is interested in this card as he cannot have an AMEX gold and get 35000 points as he's had one recently if i refer him as a cardholder he wants the free barclaycard as he can spend 20K on it easily in 12 months for the upgrade voucher will i get a bonus and will he, Do…
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Multiple 0% interest balances -- why isn't MBNA crediting payments against them in order of expiry?
I have two 0% promotional rate balances on my MBNA credit card. One of the promotional rates expires in March and the other expires in August. I have over the past few months been making payments to MBNA on this card, and I assumed that they'd credit my payments against the balance where the 0% rate expires in March.…
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RBS Credit Card
I have an RBS credit card and have had it for a very long time. I no longer bank with them but would like to be able to view my credit card spend and balance on line can anyone advise how to achieve this as when I tried to download the app it asked for bank account details. Thanks in advance.
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Credit card, charge back cover question section 75
Hello. As per the title. For many years the min spend is 100 pounds and max is 30k. Does this mean that if someone purchases something over 30,000, you won't be covered, or you will only receive a maximum of 30,000 back? I'm also aware that you can still be covered for sub 100 pounds, and if you used your debit card but…
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Vanquis Credit Card
I’ve had a Vanquis credit card for several years and recently was offered a 0% balance transfer which I took. I read all the “Important information” on their app. I continued to use said card for purchases. I have now received my statement and am now told that once you have a balance transfer you cannot continue to use…
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Car Dealership Credit Card Payment Fees?
Can I check what the laws are on retailers if I wanted to pay for a brand new car on my credit card? Are they allowed to charge additional fees for using a credit card? I seem to remember a law change back around 2018 whereby retailers were no longer allowed to charge fees but can’t remember the exact ruling and if it…
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Irresponsible Lending Complaint
I have submitted a compliant today to: capital one, Barclay card and Tesco in respect of irresponsible lending (increasing credit limits when I had no hope of every repaying the previous limit) Barclay card and Tesco have already got back to me with acknowledgment and my complaint reference number. Just wondered if anyone…
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Consolidate/pay off debt
Hello. I’m after some advice regarding my car loan and credit card debt please? I have £11,000 left to pay off my car, which I’m currently paying at £500 a month, but also I have a credit card debt of £2500 at 0% until October. I have savings of around £7,000. I have the option of paying my car off early, so I’m thinking…
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Cc payment order, again…
Just checking… when the cc terms say it the balance with the higher interest rate will be paid first, the take a 0% as 0% (so pay it last), not the rate it will be when the promotion has ended?
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Sending cash to family via PayPal with HSBC credit card - treated as cash advance?
I have various payment methods linked to my PP account. Just sending a payment to my son via Friends and Family and I can use my HSBC 0% credit card with no fee charged by PP. But does HSBC count this as a cash advance?
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Barclaycard and PayPal - cash or purchase
Hi all Does anyone have experience of sending money to friends and family via paypal from a credit card - and whether it was treated as a purchase, or as a "Cash" transaction? if the latter, would it be a one time cash advance fee, or would there be monthly interest ? I have a new 0% purchase and 0% BT card, no money…
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Credit card advice?
Hi. Looking for some advice please. I’m having an extension built starting shortly. I’m in the lucky position that I have the cash ready, due to inheritance. And for the build I need to make weekly payments of circa £6k. How is the best way to pay this and get some benefits back?? Thanks in advance for your advice
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Santander Edge debit card, using abroad. Help.
I have just come back from Spain and used my Santander Edge DEBIT card to withdraw 50 Euros. I was led to believe this would have no fees and give me a good rate. I got this advice from this website and Santanders website. I withdrew the money and was charged £46.32 which is a terrible rate of 1.07. At the bottom of the…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
3.5K discussions
19.3K comments
Most recent: Stoozing first time queries by surreysaver
30 August at 3:55PM
