How do you BT out of ICICI Credit Card?

Sexy_Sarah

Has anyone actually managed to BT out of the stupid ICICI Credit Card?

Any help on how to do this would be gratefully accepted.

The UK Banking system doesn't recognise the card, so it would appear the only way to get money out of the card (well, get the debt out) is to pay it off, which I don't have the money to do.

Just wanna sit down and cry really.

Help.

Sarah

GeorgeUK

Have you looked at "super balance transfers"?

Certain cards will allow you to do a BT to your current account. (MBNA, Egg and a few others)
So you could get a Virgin Card @ 0%
Ask to do a BT to your current account
Pay the ICICI card with the cash that is now in your current account.

Just remember that you only get to BT about 90-95% of the card limit.

Sexy_Sarah

Thanks George. I've been doing BT's for years ever since I was conned out of the money by the professional con man that the police have only just managed to track down as he's moved into fraud now and made a mistake. And confessed to most of his conning under interview! Not that I'll ever see my money again as he has none. So I know all about how much the CC companies will let us BT.

I hadn't thought of the Super Balance Transfer and I will look into it. I looked at the Virgin card and I can't remember now, but there was a reason I didn't go for it, but I wasn't looking at it from a SBT perspective at the time, so will investigate that.

Any other ideas?

Thanks

Sarah - just found an ants nest now to add to everything else today has thrown at me!

Sexy_Sarah

OK. I may have solved the problem.

I have lost track of the amount of calls I've made to Tesco this evening however, I have at last managed to speak to someone who said, "I can do that for you maually." EURIKA! He printed off the manual BT form, I gave him the sort code and account number from the back of the statement from ICICI, (it had been confirmed to me earlier today that these were the numbers Tesco needed - although I knew they were as these were the numbers Morgan Stanley/Goldfish/Buy&Fly took) (-thats one card not 3 LOL!) and he took the amount I wished to BT and he took the 16 digit card number and that's it. He will pass it onto the Manual Team and they will do it, although he did say it might take up to 6 weeks as it has to go through the Bank of England as they aren't set up on the system. He also commented that the sort code for ICICI is a Lloyds TSB sort code.

I can't imagine I'm the only person trying to do this and having these problems. I can't understand why it took so many calls to Tesco Personal Finance to get someone who knew immediately what to do.

Anyway. Its done now, and will hopefully go through and its 0% for 12 months with Tesco so I hopefully will have won the lottery by then and paid off all the debts. (translate as: I will have worked VVVV hard and paid it all off. Obviously the lottery would be good.)

So if you have this same problem you just have to persevere with the card company until you get someone who knows about manual BT's and then give them the sort code, account number and your 16 digit card number...

BTW, George, I'm still going to investigate SBT, so thanks for that...

Thanks

Sarah