-
Stoozing: credit rating implications for 2nd cardholder
Hello, If I were to stooze a credit card and get my partner onboard too as additional cardholder, would the growing outstanding balance have any credit scoring implications for her, or is the primary cardholder the only one whose credit rating is at risk given the high (temporary) debt?
-
credit card compensation...scam????
i have recently been contacted by a company re ppi mis selling. on informing them that i had no loans they went on to say taht i could be in line for compensation on my credit cards. the reason being that my credit limits have increased without medicals taking place. the figure they are talking about is £4000+. how they…
-
Stoozing a Professional and Career Development Loan
Hello, A bit of advice required on the most productive stoozing method for my upcoming studies. I've worked a few things out but don't want to miss a trick! I am due to start a postgraduate course in Sept with tuition fees of £5.5k. As a slow stoozer (no egg card), I've been looking at the best way to pay this. The fees…
-
Best balance transfer deal
I followed the link on this website to apply to the Barclaycard (Premium) 0% balance transfer with 2.8% fee and £20 cash back. The actual application only stated the 3.2% fee. I completed thinking that Barclaycard would amend the offer. I phoned them today and they said 'the link' was the wrong application form. I could…
-
What protection do I have if I purchased fake concert tickets
I bought some concert tickets from a scam site, the credit card company initially declined the transaction but allowed it to go through after I confirmed it was me buying the tickets. They assured me there were no issues with the merchant. I have contacted them but say I can do nothing until the point (middle of next year)…
-
banking from abroad
can you please tell me why i can't open an english bank account when i live abroad? i am a british citizen, my pension is paid direct to an english account and i pay british tax. all i want to do is open a new account to transfer money cheaper to france.
-
Default on Credit Cards
Hello, A friend of mine was telling me earlier that as credit cards are unsecured loans there is no legal obligation to pay them back, so long as you are prepared to be credit blacklisted for however many years it is. Being a student with a good credit rating but no hope of buying a house for decades, could anyone…
-
Loss adjustors
Please can someone advise how I delete this? Did it in error and I can remove it!
-
suing banks re switch over nightmare?
hi iIrecently decided to swtich bank accounts then changed my mind. I called the bank shortly after to stop the switch they said they would and I received a letter saying the swicth had been cancelled. Next thing I know my rent has not been paid, all my direct debits were wiped and I am now in the process of apologising to…
-
Any advice gratefully received!
Hello! I've asked a similar question before but have confused myself! I've just managed to get 0% BT for 19 months Barclaycard and have made one transfer from Santander card. I'm also thinking of doing the following but don't know if I can- please advise! Pay Next balance with HSBC card (currently empty as I've just asked…
-
Welcome Finance
Hi there everyone. This feels very strange as i've been reading posts on here for what seems like ever!! So let me take small steps and start with what i feel is my biggest money problem as of today!! What do people know about Welcome Finance?? I have a loan with these guys and after struggling and falling behind for a…
-
Is this legal?
I had an idea to turn a 0% on purchases card into a 'super balance transfer' card, but im highly concerned that it might constitute fraudulent behaviour! Please let me know what you think, as I wouldnt touch this if it was at all outisde of the law. Steps 1) Set up a website with an online payment facility (this can be…
-
Are there any fast stooze options available at the moment?
I'm currently slow-stoozing and finding it a great wheeze.... however I am quite impatient, so I was wondering if there were any fast-stooze options available at the moment? I have already done the M&S travellers' cheques route, but is there anything else? I appreciate that the M&S card could be used as a mule, but with a…
-
What debt-to-income ratio can you reach before CC providers start refusing you?
Question's in the title, pretty much. I realise that there is not a fixed ratio which all providers will subscribe to, but assuming an otherwise good credit history can anyone suggest a ball-park figure? (I am of course talking about the availability of 0% purchase/BT deals suitable for stoozing, not sub-prime CC…
-
Will this work?
Hi, Im new to stoozing, and I want to use the process to clear some debt (approx 5x my monthly disposable income in the form of graduate overdrafts that are about to start accruing interest) and stick some money in an investment ISA. I had trouble getting a virgin money card about a year ago due to my lack of credit…
-
5 late payments on credit file.... Please help!
Hi there, I am looking at buying a new house soon with my partner so I have checked my credit file and there are 5 late payments on my file from Barclaycard! I believe these are not my fault and was hoping to get them removed. Firstly let me explain why they have been put on my credit file. After transferring a balance…
-
One bill - Bill Management
Can anyone help or advise..... a friend gets paid weekly and is struggling to meet his bills on time as they all go out at different times of the month. Can anyone recomment a One Bill Management Servise whereby you pay a fixed amount each week/month and they pay all your bills. Not sure this is the right way to go but…
-
Lloyds
Hi I've been trying to get a copy of all my credit card charges. I bank with Lloyds TSB & have done so for 4 years. They have told me this will cost me £6 per statement. I then told them that they're obliged to give me a list of all my charges under the data protection act for £10. They this wouldn't include all my bank…
-
Estate Agents have withdrawn our property from the market
-
beds and mattress on the market and were to buy them from