Help! Brilliant rating wrecked by mistake

happyandcontented

VickiLou wrote: »

Thanks for the replies. I actually have 2 cards already evwn though my income is fairly low, and I have requested a card for him but it's not going to be here before we go away. I'm concerned the car hire company will need an insurance guarantee credit card in his name as it's him doing the driving.

We have just arranged car hire and in the details it does say the credit card must be in the name of the driver.

DCFC79

How did the £50 come about to be outstanding ?

Was a direct debt not set up ? If not why not.

Your husband closed the account, why ?

When was it cancelled, could he contact them and stop the cancellation ?

Geoff1963

We have just arranged car hire and in the details it does say the credit card must be in the name of the driver.

Are you able to drive ? Could you hire the car ( with you as the driver ) ; with your husband added as a second driver ? I can't imagine they insist only one of a party drives.
Would they accept a credit card for some of the amount ( for ID purposes ) and cash for the rest ?

Can you explain it to the credit card company, and ask if it is OK to overpay the card ; so the limit is say £500, but the available credit is say £1000 ?

If you are thinking of a pre-pay credit card, I'd suggest you make sure the car hire company will accept it.

Ben8282

So you received an e-mail from Barclaycard saying you had a new statement. You ignored it.
You received an e-mail saying that payment was due. You ignored it.
Presumably next month you received another e-mail saying another statement was ready to view. You ignored it.
Eventually your husband called Barclaycard and paid. He didn't even bother to ask what the amount was for (which would have been my first question) and presumably neither of you have bothered to access internet banking to check the statement to see what the charge was for. If you don't have online statements you would receive paper statements so one way or another you have access to a statement to find out.
Then your husband decided to close his one and only credit card account for no apparent reason.You really have only yourselves to blame.
Also a single isolated late payment would not have had the devastating effect on your husband's credit files that you claim. Was it a late payment or did you ignore things for so long it became a default and it was not your husband who cancelled the card but Barclaycard who defaulted it?

VickiLou

DCFC79 wrote: »

How did the £50 come about to be outstanding ?

Was a direct debt not set up ? If not why not.

Your husband closed the account, why ?

When was it cancelled, could he contact them and stop the cancellation ?

1. No idea; have no recollection of the transaction; they said £358 had been spent; £300 had been paid off and the rest was outstanding. No idea what it was for which is why I ignored the emails received, thinking it was spam. Husband paid it while I was at work and didn;t ask any more details, which we had a huge row about at the time.

2. No DD was set up for reasons outlined in number 1. ie I had no idea there was anything on there.

3. He closed the account (he says) because he didn't want to have the card after the hassle. Again, we have had words about this!!

4. It was cancelled on June 6th. I had no idea he'd cancelled the account until last night.

VickiLou

Ben8282 wrote: »

So you received an e-mail from Barclaycard saying you had a new statement. You ignored it.
You received an e-mail saying that payment was due. You ignored it.
Presumably next month you received another e-mail saying another statement was ready to view. You ignored it.
Eventually your husband called Barclaycard and paid. He didn't even bother to ask what the amount was for (which would have been my first question) and presumably neither of you have bothered to access internet banking to check the statement to see what the charge was for. If you don't have online statements you would receive paper statements so one way or another you have access to a statement to find out.
Then your husband decided to close his one and only credit card account for no apparent reason.You really have only yourselves to blame.
Also a single isolated late payment would not have had the devastating effect on your husband's credit files that you claim. Was it a late payment or did you ignore things for so long it became a default and it was not your husband who cancelled the card but Barclaycard who defaulted it?

Wow. Ok, well in terms of ignoring the emails I will hold my hands up. But we have had a lot of spam in the past saying very similar things. Possibly stupid to assume this was the same but there you go, that's my honest answer. AFAIK there were 2-3 emails like this before husband queried it.

As for husband paying and not asking what it was for, I'm in total agreement with you and we had a huge row when I came home from work and discovered he'd done that.
In terms of viewing our statement, yes, we had online access but as I said in my OP, we hadn't used the card for some time, possibly about 2 years, and so I hadn't accessed it in that time and I forgot the login details. On the day this all happened we had something else major going on (personal issue with our teenage son) and I decided to let it go as it was paid and I didn't have it in my head to deal with that as well as what was happening at home.

Re the cancellation, husband definitely cancelled it.

I realise we are largely to blame for the initial issue, (thanks for pointing that out) but I wasn't actually looking to have that clarified, I was asking for advice of what to do next. But cheers anyway, I appreciate your honesty.

VickiLou

Geoff1963 wrote: »

Are you able to drive ? Could you hire the car ( with you as the driver ) ; with your husband added as a second driver ? I can't imagine they insist only one of a party drives.
Would they accept a credit card for some of the amount ( for ID purposes ) and cash for the rest ?

Can you explain it to the credit card company, and ask if it is OK to overpay the card ; so the limit is say £500, but the available credit is say £1000 ?

If you are thinking of a pre-pay credit card, I'd suggest you make sure the car hire company will accept it.

I do drive but we have already booked the hire car in his name ( a few months ago).

pelirocco

You can buy an insurance policy for car hire, the rental company should then need a much lower amount held against your card .We are away at the moment , withouth the policy the hold would have been £1400, with its £300

VickiLou

Yes, we have bought one of those (extra policies) and it's in that that it says the car hire firm will probably ask for a credit card as a guarantee as we won't be buying their own extra policy?

MABLE

VickiLou wrote: »

Wow. Ok, well in terms of ignoring the emails I will hold my hands up. But we have had a lot of spam in the past saying very similar things. Possibly stupid to assume this was the same but there you go, that's my honest answer. AFAIK there were 2-3 emails like this before husband queried it.

As for husband paying and not asking what it was for, I'm in total agreement with you and we had a huge row when I came home from work and discovered he'd done that.
In terms of viewing our statement, yes, we had online access but as I said in my OP, we hadn't used the card for some time, possibly about 2 years, and so I hadn't accessed it in that time and I forgot the login details. On the day this all happened we had something else major going on (personal issue with our teenage son) and I decided to let it go as it was paid and I didn't have it in my head to deal with that as well as what was happening at home.

Re the cancellation, husband definitely cancelled it.

I realise we are largely to blame for the initial issue, (thanks for pointing that out) but I wasn't actually looking to have that clarified, I was asking for advice of what to do next. But cheers anyway, I appreciate your honesty.

I would not take too much notice on the thoughts of Ben. He is not what I call one of more informed contributors and unfortunately his posts have the habit of making the poster feel even worse.