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PRA Full and final settlement HELP please.
Hi, I have negotiated a settlement of an £8k Barclaycard debt with PRA, in the sum of £6k. I have asked them to confirm in riting before payment that this is full and final settlement and i will not be pursued further. I have seen elsewhere on this forum that I should get confirmation from the creditor (Barclaycard?) that…
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American Express Credit Card Cashback - A Heads Up
I want to buy a new kitchen from B&Q. I thought it best to have Section 75 protection and I intended to pay the debt in full immediately. I looked at this forum to see what the best deals were. Also, cashback was an incentive. This site advertised American Express as "Get 5% cashback for the first three months, then…
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Barclaycard
Just contacted Barclays regarding my Barclaycard that I’ve held over 15 years. I asked if I have any purchase offers available. It was a firmly no just balance or money transfers. He basically said if the card isn’t suitable for me any more he can cancel it. Don’t really want to cancel the card with it being a reward card…
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Amex Nectar Credit Card - renew or replace?
Hi there, The anniversary of my American Express Nectar Credit Card is coming up soon (the first year) and I'm due to have to pay the annual fee of £25.00. We've had some benefit of the card as we shop with Sainsbury's for our weekly shop and I estimate that we've gained about 20,000 points over the course of the year…
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No transfer cards approved
Hi all, I currently have a Tesco credit card with roughly 1.5k on it. I'm coming to the end of my 0% it. I'd like to transfer this, but when doing the calculator on here I am not eligible for any (apart from capital one which is for bad credit). Annoyingly the website doesn't tell you why you aren't eligible? I earn 45k…
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Stoozing - using the credit card directly?
I've got an opportunity to stooze around £500 by 3rd October 2023, but I would like to use the credit card directly to make a worthwhile deposit/purchase without any hefty charges. My end game to 'settle the stooze' is to make monthly contributions (which I have already started) in a high-interest savings account like N&SI…
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Worry - Safety Net / Indigo Michael in administration
Hi, not sure if anyone can help... I opened an account with the above in 2019 with a very low credit limit. I didnt use their credit once, I didnt even follow up with their open banking system so it just sat there. At some point my credit limit was reduced to just over £100 and I still hadn't used it. Then in August 2022,…
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Section 75 and Small Claims Court
I need to make a couple of section 75 claims after being victim to a scam. I've never done this before, and everything i read suggests quite a long drawn out processs whereby the CC company eventually make a decision then if customer doesn't like it they can go to the omburdsman. But why cannot I just give them 28 days and…
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Company credit card as member of staff
Quick question, my new employer is to provide s company credit card - will I get credit checked ? I have 2 x CCJ’s so I’m concerned that I’ll get refused and even lose my new job.
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Fees query
Hi, I've been transferring my credit balance on and off for years to zero percent cards. Usually I go for the ones with zero percent on purchases as well. My latest balance transfer was 2 years at zero percent and 18 months on purchases. I assumed as long as I didn't make any purchases after 18 months then I wouldn't incur…
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Balance Transfer Nightmare
Hi all. Kind of new to this so apologies in advance. I work full time, no dependants, no ccj's, no missed payments at all, and a mortgage. I have a cap1 card with just over £2k balance and a fluid with nearly £4k balance. I have been receiving persistent debt letters from fluid as I am only paying the minimum. I have…
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Cashplus Credit Card - Accepted But Account Under Review/ Further Docs. Required.
Hi, I was wondering if anyone had any experience of the same thing I am experiencing with Cash Plus?......... I was accepted via a pre-approval offer and have documentation telling me that I have a £750.00 credit limt. My card has arrived and the pin and I activated the card in the app which said I could use it within 15…
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HSBC 0% No Fee Credit Card - September 2023
Hi, Does anyone have the details of the HSBC 0% No Fee 16 months Balance Transfer Card offer that was on this site a few weeks ago. I might be going mad but i'm sure it was No fee on balance transfers, but with a shorter term. I made a transfer yesterday and i'm sure the app said no fee, but today i've tried another and…
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Section 75 on Credit Card
Hi All, Does you know whether the Section 75 covers Business Credit Cards or just personal ones? I thought it did but im being told by my credit card provider that they won't as its a business credit card. Thanks again, D
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Amex Annual Fees no longer pro-rata refundable from October
Worth signposting this as it's something I've advised forum users of previously: No more pro-rata fee refunds for American Express cardholders (headforpoints.com) Changes the game significantly for frequent churners like myself, and not for the better (unless the sign up bonuses improve).
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MBNA - Balance Transfer and Purchases - Warning!
I try to keep myself money saving fit and minimise any interest payable. I have transferred a balance over to an MBNA credit card at 0% - well done me! However, I still have credit on this card, and there is cashback for purchases, so I recently used it for a purchase. Now, with Sainsbury's credit card, if I pay that…
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Beware automatic fraud checks if going abroad, especially on a cruise
On the 17th June I boarded the Sky Princess cruise ship at
Southampton. I had pre-registered my Halifax credit card to pay my account automatically at
the end of the cruise, which is normal practice. Also, I had made several payments with that card to Princess Cruises in the
weeks prior to the cruise for excursions, etc.…
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Very Catalogue Credit Limit
Not Credit Cards but Catalogue Credit Account. Can someone explain the logic behind this... I built up a £1800 balance with a £2150 limit which was then raised to £2850. When i got my lump sum i paid all my debts and mortgage off and am completely debt free. This also included clearing my catalogue debt of £1800. I just…
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HSBC Refund of Interest on a balance transfer offer
I have received a letter from HSBC regarding an apparent refund of overpaid interest on a balance transfer on a John Lewis Credit Card between 2016 and 2020. I returned the letter in reply paid envelope. No money received and all attempts to contact HSBC lead me absolutely nowhere. Does anyone have a good contact address…
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Halifax Clarity Mastercard credit card statement for September
Usually my statement date is 16th every month. However, I cannot see the September statement within the Halifax Bank App. Haven't tried online banking yet. But it has been available via App like clockwork. August 2023 statement is the latest I can see within App. Anyone experiencing the same> Edit: It's fine. I logged in…
Discuss the art of making money by earning interest on cash that credit cards lend you at 0%.
