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Creation Finance Credit Company
I purchased a bed from dreams 12 months ago. The due settlement date was 20th February. However, I was 5 days late. Soon as I realised I rang and immediately paid what I owed. I already paid 922 and owed £100. When I spoke to the rep he told me that because I was 5 days late, I owed £431 interest and if I didnt pay this by…
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Credit cards abroad
Hi there I have a credit card, which i applied for when i was living abroad in new zealand back in 2005. 6 years on i am struggling to pay the min payments due to the currently climate. i have attempted emailing and i am asked to call...however due to the time differences this is quite hard. Its now been 2 weeks they have…
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Credit Card Newbie
Hi, About 6 months ago I applied for a Capital One credit card (I had a below average credit rating from my mispent youth - no bankruptcy or CCJ's, but a few missed DD's here and there). They gave me a £200 limit which they upped to £400 after 3 months, and I've been spending on it and paying it off at a rate well above…
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Santander Introduce the Stoozable Overdraft
They're abolishing debit interest and moving to daily fees like Halifax before them: http://www.santander.co.uk/csgs/Satellite?appID=abbey.internet.Abbeycom&c=Page&canal=CABBEYCOM&cid=1237880423035&empr=Abbeycom&leng=en_GB&pagename=Abbeycom%2FPage%2FWC_ACOM_TemplateG The interesting thing is that they have capped the…
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Santander Zero 0% until 28th Feb offer - question
I am current using a 0% until 28th Feb offer on my Santander Zero card. Now I am used to MBNA's 0% offers which say until 'month' statement date. However the Santander Zero says 0% on purchase until 28th Feb on purchases. It seems to suggest on purchases made until 28th Feb and that the deal ends on 28th Feb even when my…
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egg card
Hi i'm new to this so please forgive me if i mess up..I paid off my Egg card over a year ago but they say i still owe money for so called late charges. they tell me they are going to put a ccj on me, but i dont owe them any money. Is there any thing i can do.
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Warning - MBNA removing credit facilities
I had 3 MBNA cards (Virgin, play.com, Amazon) with a total of £5k unused available credit; £500 of that on a Virgin card. All payments on all credit lines are up to date with no missed or late payments. Three weeks ago MBNA offered me various 0% deals on all 3 cards but the best was on the Virgin card (0% BT 13 mths, 2.9%…
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address fraud
Someone has started using our address and phone number to order stuff. Obviously a couple of things have slipped through otherwise I wouldn't have realised this. The latest is a sim card from giffgaff. I'm at a loss to know what to do about it as the police won't act unless a crime has been committed (which apparently it…
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% Limit Up.
I have reached the time limit on both my 0% interest credit cards. (Sainsburys and Tesco). I have tried to obtain another one (stooze) to transfer balance, but was refused. I am not in a position to settle the balance on either card and have now been informed that the interest charges will be effective from next month. I…
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BoS
I have just signed up to the santander zero cc to transfer a stoozed debt from tesco cc. I phoned Bank of Scotland to cancel an old cc of theirs as I don't use it and I don't like having too many card accounts. Retentions team intimated they would have made me a 0% no fee offer if I'd asked and asked me to leave the…
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prepaid credit card
Hi All, I live in a far area where no post office or pay point near to my residence and its really difficult to top up my prepaid credit card, my question is, IS THERE ANY WEBSITE I CAN BUY 360 MONEY VOUCHER OR EPAY VOUCHER ONLINE. if you know the answer plz write the website address here and this would be really…
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New Barclaycard - time to Stooze!
Hi all. I recently came into a sum of money which is enough to pay off my current credit card debt, and leave me with a few hundred spare :) I thought that I would give applying for the 'Barclaycard 0% BT 2.9% fee for 17 months with £20 off if you transfer more than £3k before 31st Jan a go', see what would happen, just…
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Dutch guarantee scheme
Hello, I have a mortgage with ING, and am also considering moving my savings there as they offer good rates. However, I'm concerned about what might happen in the (admittedly unlikely) event that ING go bust. I understand that my savings are protected up to €100,000 and that my mortgage would probably be transferred to the…
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Sainsbury's Card
I applied for a Sainsbury's Card, but when it arrived - apart from having a much higher APR than advertised, but I understand that's fairly normal - the small print said that the 0% for 12 months only applies to Sainsbury's purchases. It's on my credit file anyway, so I went along with that, but I am very annoyed. Has this…
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Stoozing for gifts?
I had a look at this forum and the blog that Martin did that went with it, which led me to think about the free gifts that come with opening a credit card. I had a look on Money Supermarket and I was able to find the BMI card which offers 4,000 destination miles if you spend £250 on the card with in the first 90 days of…
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credit reports
how does this work. i was trying to get a credit card and was declined i dont know why but the bank in question said i can get a credit report from equifax and i have been on the web site but cant get my credit report as i dont have a credit card because the declined me so how does this work i am very confused :angry:
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Repaying Halifax Loan with Balance transfer card
I've just bee accepted for a £9300 limit on the new Barclays Platinum card with a 17 month interest free period. The reason I applied is because i have a Halifax personal loan at 14.9% with circa £8k outstanding that i want to pay off more effectively. They won't credit a loan account directly as it's classed as a cash…
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Santander CC - 16 Months BT - £0 FEE - Existing Customers Only
As a "valued customer" (I have a Santander account with a zero-balance which I haven't used in over 12 months), I've today received an application pack for the new Santander Credit Card (this is the red one, not the black 'Zero' card). There's a special offer for existing Santander customers - they're offering 0% on…
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0% Balance Transfers
Hi People of MSE I have had my Barclaycard for around 2 years now and up to £2875. Is it worth my transferring my balance on a 0% transfer and pay this off. Its currently costing me about £25 a month on Interest. The best one Ive seen is 16 months 0% but a fee of 2.88% of the transfer figure. Is this good? Your help will…
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Debt free without paying a penny?
I've been looking on the internet to find ways to reduce my credit card/loan debts. I came across this site... getoutofdebtfree .org (I cant post links) They say you can get out of debt without paying a single penny. Is this legal or possible? I'm very worried that following this method may cause more problems for my debt.
