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stooze pot
hi all, i have a limit of 10500 across three 0pc ccs, balance of about 6000. should i max these out and make the most of my stooze? or should i leave a little leeway for credit history purpose ie credit utilisation? also wondering what I can do to continue my stooze, can I wait to be closer to my limit and apply for more…
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Stoozing advice?
We have a planned expense for the next couple of years for my wife to do some training. The fees will be about £7k over the next 2 years. I'm trying to work out if it will be better to arrange a normal loan for this or to take out a 0% card. The issue is, I think we would be better to try and release the cash from the card…
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Debt management agency's
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Bank Account Fraud
Im gonna try and tell this story as best as i can , about 6 or 7 months ago fraud was committed on my account (and no i didn't know about it , since it was done by my own family member). Long story short my younger brother took my credit card and gave it to some money launders who do "AC/ Sqrs" in order for them to put…
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Where to start & is it worth it? BC with 17K Limit
Afternoon all, Once I have cleared a balance I will be left with a BC with a 17K limit. I will renegotiate a deal with them when it comes to the end of my interest free period. Im looking at a very low/0% money transfer to a bank account but am concernced the available saving rates might not be worth it. Can any…
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Northern Rock Advce
ello, I have had a mortgage from Northern Rock since 2006, part secured and unsecured and currently owe £61,000 secured and £7,000 unsecured. We did not pay a deposit and it is a 100% morrgage. Do you think I have a case to retrieve a payment and or the unsecured loan to be wiped (ideal scenario) ? Any help/suggestions…
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Wannabe Stoozer
Hi all, So I have recently come across the whole premise of stoozing and after having a good read, I have applied for a purchase credit card on 0% for 26 months. Obviously the way to use this card is to make purchases like normal but on the credit card, but i'm just weary at what I can purchase as I want to take it slowly…
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BA airline change - refund?
Hello, some advice please - I booked to travel to Majorca with BA. A month later they advised me that they had shifted the flight operator from BA to Titan Airlines. I've never heard of Titan Airlines and booked to fly with BA. I asked them for a refund but they have so far said I am not entitled. Am I entitled to a refund…
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Phoning Barclaycard fraud re positive balance
So I put my Barclaycard £10k in credit with a (0% fee) balance transfer - Barclaycard is often mentioned on here as being co-operative in transferring +ve balances to current accounts, and I was emboldened by them having done that for a smaller amount a week previously. This time I messaged them to ask for it to be…
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Debit cards
Hi,any advice greatly appreciated.got a £100 gift voucher for my daughters at christmas.the hair saloon has went into liquidation.the Halifax has told myself that as I used a Halifax visa debit card I have no recourse and to join the list of people waiting on money.surly the Halifax should be protecting consumers using…
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Legal Charge over My Home
Good evening, I’d be most grateful for any advise as my estranged husband has got us into a financial mess....... To cut a very long and unbelievable story short, he decided to prioritise non priorities instead of paying school fees amongst other things. The school is now being paid £2k per month by my estranged husband…
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Credit cards
Hi to all,I have 3 credit cards...Argos,£40.00 per month. Capital One £70 per month. Vanquis £75.00 per month. I'm retired and I find this all a great worry for me.Please help if you can.I have not used the cards for some now.What would be your advice for me? Kind regards John:rotfl:
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Sainsbury’s credit card owe ME money
I cancelled my credit card with Sainsbury’s mid March and received a confirmation letter Dated 5 April acknowledging this and stating they owed me £485.78. 2 weeks later I contacted them saying I had not received it... now numerous complaints to customer services then to the chief executives to no avail... various…
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Using currency card as a mule
The abolition of fees on credit cards has opened up the possibility of using a currency card as a mule card. If you get a purchase credit card with long interest-free credit period, you could spend the maximum amount on topping up a foreign currency card such as a FairFX card. Such cards then allow you to transfer the full…
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buying a car with a 0% credit card
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Virgin positive balances.
Just applied online for a balance transfer to Virgin, and as part of the process got the message "If your Virgin Money Credit Card account is in credit please contact us before requesting a balance transfer to avoid any unnecessary fees." Does this add Virgin to the list of issuers happy to transfer a positive balance to a…
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New to Stoozing
Hi All, I have a mortgage but no other immediate debts and the only credit card I have ever had which I still have is a Clarity card. I like the concept of stoozing but using the money for enhanced savings, rather than using the card for immediate purchases which I would generally pay for on my debit card. Can someone help…
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Using Student Loan to pay off credit card
Hi guys. My first post so please be gentle. I have £10,000 in credit card dept, 1 has £8,000 (with the 0% offer coming to an end soon) and 1 has £2,000. I am just getting to the end of university and haven't needed a student loan because my work funded me. I randomly looked into a student loan and I am eligible for…
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How do mule cards work?
Hello all, I've been seeing a few mentions around here of using an MBNA card as a 'mule' to transfer a positive balance, and I was wondering what the idea is (I've done some googling and searching of the forums, but haven't turned up an explanation of the basics). I understand that the idea is to put the money-transfer…
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Advice needed
My partner has an overdraft with lloyds, currently £900 and paying £1.70 per day to be in it. What’s the best thing to do, my credit is better and more chance of getting credit to pay it off. We are paying £100 per month at the moment to pay it off so wondered should I get a 0% credit card for 12 months? I wouldn’t be able…
