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Missed/gaps in N.I. contributions {NI cs}
Hi, this is my first posting so please excuse any gaffs, I'm impressed with the wealth of knowledge u guys have so I wondered if anyone out there could help me ?? I have some gaps in my NI cs when I became disabled 4 yrs ago so I could not claim any benefits other than NI credits which I had to fight for right up to the…
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Cash back con
Hi, Not sure if any one else has come across this con. You visit your local supermarket and purchase quite a few items and as you are paying by CC or DD card the cashier may ask you if you want any cash back. You say no thanks and pay for all your shopping and leave the store. You get home and have a quick look at the…
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Do i keep these cards or not?
I have Amex + tesco cc. I used these both to book a holiday/trips etc for our holiday to Asia & New zealand. If i got rid of both cards would that have any effect if i had any problems with the holiday/trips etc that i booked. If i had to claim for anything would it be harder to make any claims. Hope this makes sense.…
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MBNA repeat offer strategy
Dear Stoozers, This month I'll be making a couple of large purchases totalling around £2000 that I need to finance through to June. I already have a 12 month 0% BT offer sitting on my Barclaycard account, so buying on one of my other cards and immediately BTing is my fall-back option. I don't need a year's credit though,…
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Balance transfers on current cards.
I have a Virgin card that I have never used, have had it for over a year. My existing balance transfer with First Direct ends in Feb/Mar, and I notice that Virgin are feering a deal at present would it be available to existing card holders of unused accounts?
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American Express bonus points
Just a warning if you are thinking of taking the Amercian Express Card with the offer of bonus points if you spend £500+ for the first 3 months. This is not based on the first 3 months statements but starts from the day you join. Have just been caught out on this one.:mad:
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eurocarparkslimited
has anyone been fined £60 for parking at waitrose supermarkets? Does waitrose own eurocarparks ? Why treat your customers like this. I had their credit card and I have cut it up in disgust. DO NOT PAY!
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What do you do when you run out of cards?
I don't know how many are available, but... I have the Tesco card - that's almost maxed at 2.25k, which lasts 12 month. I took out an AA card which has a limit of 2.8k which lasts 10months. You keep going, you keep getting cards & either keep maxing or the time expires. Some you get, some you get refused for & before long…
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Stupid Credit Card Default...HELP!
I was off sick from work with depression for 4 months, had a really rough time with it and i'm still seeing a counsellor. As sick pay isn't very much everything just went on credit card and i was paying it off at the end of the month with what i had in sick pay. unfortunately i went over the credit limit, it wasnt because…
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Egg Money Methods
Hi Folks, Been lurking here and at stoozing.com for nearly a week now building up my knowledge on stoozing and about to give it a go. I was initially going to go for a slow stooze and have applied for a barclaycard platinum with 0% on purchases for 12 months (approved and on its way) and a post office easy access saver to…
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Should I cancel credit card when 0% offer ends?
I'm sure this question has been asked before but I can't find an answer. Can anyone tell me if I should cancel my Tesco credit card now that the year's 0% on purchases has ended. I have paid it off and now use the Virgin offer. Can I cancel it and apply for it again at a later date as a new customer I wonder? Many thanks
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Counterfeit perfume bought on ebay
Can anyone please help? I ordered some perfume on ebay and have been sent a bottle that is clearly counterfeit. I have left negative feedback and demanded a refund from the seller. I've also complained to ebay. What else can I do, I just want my money back.
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Virgin Credit card interest rates
Hi, I had taken a virgin credit with 15 months BT at 0%. BT got expired in Nov 2010, after that the interest rates were reverted to 18.6% which i do not have a problem. After a month they sent me a letter saying my rates were going up to 27% from 18.6%, i called tham and asked to opt out, which they did. I was looking at…
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Mortgage Stooze
I know there's a few threads dealing with this subject but I thought I'd see whether anyone has any success/horror stories with this particular tactic. I'm 1 month into the 12months interest free period for purchases on a Barclaycard Platinum. I called their customer services last night to check whether a mortgage payment…
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When & how - your final stoozing payment?
I'm not sure of the specific date, but i know my Tesco card was opened in July this year, which means the 12 month will pass at some point in July next year & therefore the 0% ceases. Right now i'm just paying the minimum payment via D/D How do i change this for the final payment - to pay it all off? Do i have to do it…
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mortgage payment
Hi, i'm curious to know whether i can make over payments using a credit card? I'm trying to remortgage and need an extra two grand to get twenty per cent equity deal. I've got a tesco credit card with £2500 limit, but would balance transfer amount to another 0% card once mortgage is complete. Or is it possible to balance…
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Newbie needs clarification re. Egg Money - stoozing
Hi All, I'm a bit confused: I've had an 'Egg Money' card (it's green at the moment) for years, but have never used it. Egg tell me that my credit limit is £1,500. I could borrow 95% of this amount from them. The minimum amount I would need to pay back to them would be 2% of the balance per month if providing I pay all the…
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Time between 0% MBNA Cards
What's the percieved wisdom at the moment for the time to wait between closing a MBNA 0% CC account and applying for the next 0% MBNA offer? I had a Virgin card which I cancelled after the 0% deal finished in July 2009, when would you recommend applying for the next one without risk of being turned down or getting a poor…
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Some advice - Stooze cards coming to an end
Hi all, I'm after some advice. I've been slow stoozing for a little while and myself the the OH have the following cards: -Tesco-approx £1350, limit of £1500 - Mine-0% deal ends early April -AA (MBNA)-approx £2k, limit of £3k - Mine -0% deal ends early April -Halifax -approx £2k, limit of £3k - OH - 0% deal ends late April…
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Santander 0% BT no fee
Hi, i saw in the weekly email about Santander offering 0% BT with no fee - I think it's for existing customers (includes Abbey and A&L customers). Does anyone know if they are offering this if you already have the Santander credit card? or is it for existing customers that don't have this card?
