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Credit card surcharges
Please can anyone help me? I remember back in the 70's that we were charged a surcharge for using credit cards. My memory tells me that this was deemed illegal, the result being that credit card purchases had, by law, to be the same price as cash purchases. Now a charge for using a credit card is the norm. My question is -…
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PO Credit Card to remove credit balance facility
When travelling abroad I used the little known tip of ensuring my PO credit card was always is in credit. This allowed me to make cash withdrawals from overseas ATM's without incurring any cash withdrawal fees and the exchange rate was good too. I even got the PO (Bank of Ireland) to confirm this in writing earlier this…
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cash prize
my mum has won £15000 which will be paid to her via cheque, she gets pension credit and housing benefit,will she have to inform them about this unexpected windfall?????help.
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Teaching pupils
Hi folks, I am trying to put together a course, teaching pupils from 12-18 about personal finance. I would like them to practice using the comparative websites but all the websites I use, ask you to register. I obviously do not want this for my pupils as they have to put in too many personal details and have to be 18. Also…
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Hsbc global bank - a joke
We have recently moved abroad but kept an account with HSBC in the UK. When we tried to use our HSBC credit card on line we were asked for a MASTERCARD SECURE CODE to be set up. When we tried to do this we were asked for a UK post code. Well, as we sold up , we don`t have one . Although our UK branch are quite happy to…
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TSB Mastercard Estimated Interest Varying
I've noticed the interest on my Lloyds TSB credit card has been fluctuating a bit over the last few months. My balance has pretty much remained the same, within a range of £30-40. Last month it was around £20 less than the previous month :) , this month although the balance has dropped from last month the estimated…
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ball park compensation figure
I would be grateful if anyone can give me a ball park figure re compensation from Barclays. They have credited £100 to my account as compensation for the following error which they have admitted to:- Whilst re-negotiating a loan with them Barclays left my current account £8500 overdrawn. The error was rectified four days…
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Egg Money Positive Balance?
Hi everyone, I noticed the Egg Money card has now been rebadged as the 'Egg Money World Mastercard'. I'm going to require a mule card soon and was wondering if this card still allows a positive balance (as well as allowing transfers to my current account)? I read that they have scrapped the interest on positive balances,…
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Agricultural Holding Act
Hi i am looking to buy some land but it has a agricultural holding tenanct act claim on it. the tenent is not willing to give it up and wants the land himself, the land is at a very reduced price because of this and looking at this act it is a mine field. if i bought the land and wanted to work it myself could i give…
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New to This
I have read the guides and looked at a few examples, so bare with me if i make rookie mistakes... I currently have 2 credit cards Lloyds Duo £600 balance (limit £4600) Virgin £3500(limit £4700) I clear the Lloyds monthly, and pay the minimum payment on the virgin as it is 0% until Dec(looking to move then) I have recently…
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STOOZING - phase two
so let's say i got a card and used it for purchases a la the martin method as described, so for example i had a credit limit of £1000. so i spend that £1000 on the card and saved that cash in a high savings account (along with any other saving i had but lets keep this simple). so then at the end of the interest free period…
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Stoozing - is there any point with low it rates?
Is there much point in stoozing at the moment, unless it's to pay off exisiting debt? Interest rates are low and BT fees are at the same level? I stoozed quite a bit 4/5 years ago and made some money doing it, but I just feel it's a waste of time now? Anyone agree?
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Please help, Newby! 0% balance transfer to buy a car
I'm thinking of applying for a credit card that has 0% on balance transfers for 16 mths. I want to transfer about £10k into my bank account to buy a 2nd hand car and pay it off before the 16mth deal ends. I don't think I'll have any problem getting the card as my credit rating is good and I have no other debt. 1. Is this…
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paying off credit cards
i have 2 credit cards with a large amount owing on each i am now in a position to pay them of is this the best thing to do ..also what is the best card for me to have we only use it for booking holidays .
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Credit Card Application - Salary Details
I need to apply for a new credit card to do a Balance Transfer, my problem is that this year I have bought a franchise (having lost my job)and have earnt next to no money, obviously anticipating that will change next year. I have an excellent credit history so shouldn't have a problem there, is anyone aware of a credit…
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Paying Balance Transfer rates first and purchases last
I just found out from my credit card company that all monthly payments go towards clearing any balance transfers first at the low rate and that any purchases made would be charged at the higher standard rate. Meaning, that they are making more money even though any purhcases using the card are more recent. This wasn't made…
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How long until I'm a new customer?
Hi all, I've been slow stoozing for a while and working my way through most 0% deals. When the 0% deals come to an end I normally close the accounts. How long should I wait before applying to the same credit card company again as a 'new customer'? I'm on my second accounts with Tesco and Halifax, but left about a 12 month…
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help for bad credit and cancer patients
hi i would love some advice, i am 27 from liverpool with 2 young children and my fiance has been fighting cancer for 18 months. i have a bad credit rating and i can't work as i am my partners full time carer as he has no close family, we are really struggling as he spends a lot of time in hospital, as it had spread quite…
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Using Santander Zero CC in USA
Does the 0% foreign exchange fee still apply in the USA?? I've found a few conflicting bits of info suggesting that it only applies in Europe Also .... what happens if you've balance transferred 75% of you credit limit, have been paying the min payments for 5/6 months then decide you want to make purchases on the card. Is…
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Santander Zero - very high interest on "free" cash withdrawalssh
A word of warning about the Santander Zero credit card overseas. Yes it does offer fee free cash withdrawals in Europe with no exchange rate loading BUT their repayment credit structure places cash transactions at the bottom of the list. I was away this week and withdrew cash using the card principally as the most secure…
