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How do i find old ccj details?
Heya My other half is going through in deoth vetting at their new job and one of the questions about me is about ccjs and bankruptcy, i had a ccj against me in 2008/2009 so its now not only paid off along with the rest of my debts at the time but i'm back on track and have a decent credit score. Their question applies to…
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Newbie seeking confirmation - MT card
Hi All, Just want to clarify my understanding on how money transfer credit card would work... Virgin are offering 32 months at 0% but have a fee of 1.69% am i correct in thinking that i could apply for the card and then transfer £10000 (for example) into my high interest savings/current account etc and make interest on…
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Stoozing a Santander 123
Hèy! So i got accepted for a 123 Cc and due to the 3 charge i want to make some cashback that beats the 3 charge. What are the best places to use it. Transportation is one good one. Ill use it to buy a montly season. That will sort out the cashback and my commute will be pa!s for. Any others.:)
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NatWest-Coin deposit machine.
I don't have a Natwest bank account but have a Natwest credit card and regularly build up plenty of coins. Anybody have an idea if I can use their coin deposit machines to pay onto a Credit card? I could spend a little each month on my credit card and pay it off mostly with their 0% commission coin machines before any…
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Paying a mortgage on a 0% Purchases Card
EDIT: Paying a mortgage on a 0% Purchases Card or a cashback card I know people paying their mortgage on their credit cards is often used in surveys as a marker for how well off the country is, ie more people doing it suggests more people are struggling with money. Is this just because it suggests they don't have the money…
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Ombudsman rejection
My case for miss selling of an endowment mortgage was rejected by the ombudsman, as I had not responded to the warning letters even though I gave omitting circumstances. Can I do anything about this as I have a 20k short fall on my policy? :mad:
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Second Home Stamp Duty
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Residential status
When applying for a credit card, one of the questions is " what is your Residential Status?" In my case, I am retired and living in a " granny flat" of relatives but I own 3 houses and a property abroad. The U.K. Houses are tenanted and form part of my income. Am I a " home owner" or " living with relatives" for the…
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Top Load Credit Card
I am going on holiday and may not have internet access when my credit card bill is due. I wanted to pay £2k in advance into my credit card so that it never actually ran up a debit at all But the credit card company said that would invalidate the protection that the card gave me and was against the rules Does anyone…
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Mums old debts
hi my mum died over 5 years ago and she had money she owed off a loan and a credit card ,the bank said we can pay it wen house is sold . I haven't heard from the bank in 4 years , am I still liable for mums old loans when house is sold if there not charged to house thank you
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World duty free group (wdfg) - wont accept the return of ray ban sunglasses
Have anyone com across this experience with World Duty Free Group. As i have tried to return the unwanted gift to WDFG and they didn't accept my return Due to the box is very badly damaged, there are white marks on the case, finger prints on the sunglasses arm and dirt on the nose pads. such insane and ridiculous excuses…
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Bank to Credit Card Transfer
I need to use £6000 out of my Natwest overdraft I currently have £13,000 overdraft but it is in credit - Can I then transfer my bank overdraft onto a 0% credit card? I only need this money for a short period maybe two to three months
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Manufactured spending
A question not about stoozing per se, but I suspect stoozers will be in the know if there are options out there. I just moved to the UK from the US. In the US, I was milking credit card rewards schemes (air miles, cash back, etc) through manufactured spending (ms). MS is essentially buying something that's easily converted…
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Card Transfers
I want to transfer 1000 from Tesco as it runs out 0% soon and 350 from Santander. I recenlty applied for a 0% from Virgin and was refused, I have never been refused before! Was told not to apply again for six months. It was a zero fee card. On going on the eligibility site i am given Santander as the best card even though…
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Best 0% credit card for large spending?
Hi Guys, Thinking to use a 0% credit card on our honeymoon, which card would be the best? I've checked the 0% CC section but the problem is they all show an example £1200 limit so wanted to know from your experience which would be best. Thanks.
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Debt Help Needed
Hey everyone, I am hoping you can help. I am trying to get my debt under control but was wondering if you guys could help. Ok, so i haven't got the best credit history (I means it's not terrible but it's not fantastic). I have: C/C - 2 with debts of £4000 (0% until June 2016 and then up to 35% APR) and £1500 (17.9%)…
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Money transfer credit limits
Hi ppl In your experience, when you are approved for a money transfer card, is the credit limit usually about the same as cards for other purposes? I've been given limits of 6-7k on spending & BT cards, so I'm thinking if I could get the same on, say, 2 money transfer cards then I could instantly have a pretty big stooze…
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New Barclay's Credit Card
This is the first time I've had a credit card so this may be a silly question - applied yesterday and got accepted said my limit would be 1500£ but checked on-line today it's only 400? Will it go up when I activate my card or start repaying??
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Most effective money transfer option?
Hi All:) I've been lurking around on this forum for years!! And I must say I keep coming back as I have gained valuable information from this forum, so many thanks to you all. Can I use the Halifax clarity CC to withdraw cash fee free, say £1000 and then do a BT from another account to pay off the debt? And what would…
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Obsolescence and replacement parts
I recently had an impeller wheel go on my shower pump which is almost ten years old. I managed to find a replacement wheel from a third party but couldn't get the pump inlets/outlets to seal again after reinstalling it. I called up the company who's best response was that the whole pump would need to be replaced because…
