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help please credit report
hi My dad has good credit and got resufed a halifax credit card he currnently has one with the coop but wanted tot change. He and my mam live together no mortage and she had bad debt the only finalcial link they have is a joint saving account. My dad is going to send away for his credit report my mam is crapping her self…
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Accidental 'cash advance' on stoozing card
Hiya, I've got an M&S credit card I've been stoozing away for a few months, but this month I put a little bet on the Grand National and I now see that's attracted a 'gambling transaction fee' as these are now treated as 'cash advances'! I had no idea this was the case - Yes, I know, I should have read the 300 pages of…
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nuisance calls from consumer advice bureau
I'm pretty angry right now. Just had a telephone call from a foreign person claiming to be from somewhere called consumer advice bureau telling me they had information about a string of unsecured debts. He asked me to confirm which I didn't but asked him to tell me what unsecured debts I have - I'm not aware I have any. As…
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credit card that allow loan transfer
any idea which ones, if any?
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Do I have to Pay this debt, what should I Do?
Hi, can anyone help? I was told if I Disagree with a demand for a credit card debt that the credit card company has to give me a copy of my wet signature to prove to me that the debt is owed. Is this true, what should I do?
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American Express Cashback Con
Hi, Just to warn everyone... I set-up an American Express Platinum credit card back in 2008 and received my cashback rewards 1 year later. However, I have just noticed that my cashback for 2009/10 has been forfeit by AmEx as I had not reached their new "cashback earned" limit. Apparently the T&C's have changed, so you now…
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Debt Free Dilema
Hello I've been in debt pretty much all my adult life. It's now down to *only* £1800 on a balance transfer card (0% until August). With my current "schedule" I'll be able to pay it off November 2013 (unless something exceptional comes up). I'm also at a push putting a £100 or so away towards my car (insurance/MOT etc) but…
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Ripped off
Went to co-op today to pay off balance of holiday with credit card. Told me 2 half % charge, told her thought the law had been changed but she looked at me as I was mad....am I.
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Money Transfers....
Hi, Quick question... I have a play.com credit card that has a balance of £1000 on it and because I can't afford to pay it off at once am paying interest.... Now.. I've been offered a money transfer of upto £1500 at 0% until April 2014. If I transfer this money to my current account.. Can I then use it to pay off the…
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Barclaycard OnePulse Money transfer
I received a letter from Barclays today offering me a money transfer from my card as cash into my bank account. The fee is 6.9% per month for a one off handling fee of 0.9 %. I just wanted to know if this was as good a deal as it appears. I can get £3752 plus a fee of £33.77, paying approx £22 interest a month at first and…
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M&S travellers cheques
I've just signed up for a M&S credit card and been given a healthy credit limit which I want to stooze using m&s sterling travellers cheques. However they are being very vague about the denominations of tc's I can order. I tried the on line process and didn't seem to have an option for selecting £500 denominations, my…
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Credit Card Discounts?
In the next month I'll have a cash lump sum payment that will enable me to pay off my credit cards, which are all on interest free and the debt amounts to approximately £10,000. Rather than paying them off completely, I was going to continue keeping them as they are, paying the money into a savings account and just using…
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To card or not to card, that is the question...
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credit card query
Apologies if this has been answered elsewhere on this forum but basically I would like to know this... if you have a credit card you no longer use (which I have), is it better to close the account down? As I seem to recall reading somewhere that it can make an impact on your credit report, but I'm not sure if that is…
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Virgin mastercard as mule?
Hi, Can you use a Virgin mastercard as a "mule" I've got a new 12 months offer from LLoydsTSB but have a 0% balance on it for half my credit limit which is due to expire next week. If I use the 0% offer to transfer to my Virgin mastercard to give me a positive balance and then transfer into my current account so I can pay…
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Balance transfer from someone else's cc?
Mr T has been offered barclaycard 20 months interest fee with 1.9% fee. He doesn't do stoozing but I do and already have a barclaycard with 0% till april 2014. I also have a m&s cc stooze coming to and end in May which is perfect timing as the offer to dh is open till 5th May. My question is will an application on his…
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Best business accounts.
Hi all. I have been selling items on ebay lately and making a fair bit of money on there, I have been thinking about setting up a business account with my bank HSBC but I'd like more options as I'm not sure if my bank are the best for business accounts. Any advice will be most greatfull.
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Barclaycard World question
I know there are always questions about the Barclaycard World account, but this is a slightly different question :) I have a £4.5k balance on my Barclaycard account, and a £5.5k limit. This is currently interest free until Jan 2014. I have a Virgin card and have been told I can transfer £10k. I want to transfer this…
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Order of payments question (Barclaycard)
Need to pick brains: I've got a Barclaycard with an existing balance at 0% LOB (and no conditional spend) making minimum payment. In principle will never pay interest. BUT Have applied for 'upgrade' to 2% Cashback Barclaycard. If I want to retain the balance transfer but also make qualifying purchases with the card too,…
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Help!!full monty on t-mobile
Hi,missed out on the offer which was £16 pounds a month for unlimited everything and was wondering if anyone knew how I could get one,or if they will be offering any similar deals on this tariff in the future or if the price will just increase. Thanks
