Quantcast
Channel: MoneySavingExpert.com Forums - Credit Cards
Viewing all 20359 articles
Browse latest View live

Littlewoods catalog - weekly payments

$
0
0
Littlewoods offered me weekly payments at 0% interest. Do they add-up all the weekly due sums into one statement at the end of the month or do you need to make a card payment every week matching the agreed amount?

if the answer is has to be paid weekly then i assume failing to pay a weeks charge is classed as a default?

Credit Card chargeback

$
0
0
I recently bought a number of items at auction (not ebay)

When they arrived i found 9 were damaged, 4 of which beyond repair. I have contacted the company in question who reiterated their terms which state all sales are final and are non refundable, i knew this however. They also stated that due to the size of the auction it was not possible to open and inspect each item, despite of this all items were described as being in good condition, obviously some of them were not so in my eyes should not have been sold as in good condition especially if they were not able to inspect them beforehand.

I'm not going to get anywhere with them so do i have reason for a chargeback? The cost for the damaged items is just under £300 so not a small amount.

REAL PASSPORTS,ID CARDS,WhatsApp (+971) 551934638 DRIVER'sLICENSE, GREEN CARD,MARRIAG

$
0
0
GET YOUR QUALITY REAL PASSPORTS, USA GREEN CARD,MARRIAGE CERTIFICATE, CITISENSHIP, ONLY HERE(legitdocproducers@gmail.com)
EU/USA/UK/CANADIAN ,DRIVER’s LICSENCE,ID CARDS,VISAS
ETC


----------Contact-----------------

WhatsApp ....... (+971) 551934638

100%........legitdocproducers@gmail.com

General Support...... legitdocproducers@gmail.com

---------------------------------------------

We really do, and use high quality equipment and materials for the production and delivery of original documents such as passports, visas, ID cards, driving licenses, birth certificates, diplomas, pre-level certification, marriage certificates, etc. All secret functions of real passports are carefully duplicated for our registered documents. We are a unique manufacturer of high quality, genuine and effective documents. We only offer original quality databases. Registered passports, driving licenses, ID cards, stamps, Visas, school records and other documents from many countries such as USA, Australia, Belgium, Brazil, Canada, Italy, Finland, France, Germany, Israel, Mexico, the Netherlands, , Spain, the UK and other countries around the world.

REAL BRITISH PASSPORT.
REAL CANADIAN PASSPORT.
REAL FRENCH PASSPORT.
REAL AMERICAN PASSPORT.
REAL RUSSIAN PASSPORT.
REAL JAPANESSE PASSPORT.
REAL CHINESSE PASSPORT.
AND REAL PASSPORT FOR COUNTRIES IN THE EUROPEAN UNION.
REAL DRIVERS LICENSE,I.D CARDS,BIRTH CERTIFATES,DIPLOMATS,MARRIGE CERTIFICATES,AND VISAS

Also buy original and false Australian driver's licenses, Canadian licenses, French (France) Driving licenses, Dutch (Netherlands / Netherlands) driving licenses, German (Germany), Driving license, UK (UK), Driving licenses and other countries around the world .

We offer high quality counterfeit bills for the following currencies;
EUR – Euro
USD – US Dollar
GBP – British Pound
INR – Indian Rupee
AUD – Australian Dollar
CAD – Canadian Dollar
AED – Emirati Dirham
ZAR – Rand
CHF – Swiss Franc
CNY – Chinese Yuan Renminbi
MYR – Malaysian Ringgit
THB – Thai Baht


Tickets available. Including a license hologram and magnetic stripe
Or the barcode on the back. 2 days, water transport Order (water transport
Manipulation). Best authentic citizens' ID cards on the Internet.
Same quality, high resolution with motor vehicle compartment.
Send the current JPG or GIF of the current photo card
And change name, DOB, license #, restrictions, etc.
We produce the best fake online card we have, we will sell your exact needs covered by UK / EU fake ID, fake ID Canadian, Australian fake citizen and fake identity cards for many other countries false passports of fake driving licenses to express false accounts. Our ID cards include all security features such as real holograms, UV watermarks, depth printing, specialty paper, fluorescent dyes, RFID chips, barcodes that match your data, and more. Our false IDs are the same as the real things that do not provide the other side of this quality, we are the best.
A new identity protecting your privacy and your freedom back ..


Get a second chance to live with a new identity. Protect your privacy, build a new credit history, deprive yourself of criminal verifiability to get your freedom back. We are the unique manufacturer, the original data base of the civic documents, including counterfeit money, counterfeit money. We only offer original grade 1 forgery and database registered in real real false passports, driving licenses, ID cards, stamps, fake visas, fake school diplomats, money counterfeiting and other products from a number of countries including USA, Australia, Belgium, Brazil, Canada , Italy, Finland, France, Germany, Israel, Mexico, the Netherlands, South Africa, Spain, Great Britain, Japan, China, and this list is not complete! UED and recorded in the database system's records.


.-------------Contact------------------------

WhatsApp ..... (+971) 551934638

100%..............legitdocproducers@gmail.com

General Support...... legitdocproducers@gmail.com

Buy Registered Passport, driver license , ID card, ((vanwest04@gmail.com)(+23767770

$
0
0
Buy Registered Passport, driver license , ID
card, ((vanwest04@gmail.com)(+237677707293 ),
IELTS certificate ,Visa,Birth certificate, School
diplomas,Marriage certificate,US Greencard and many other
documents

Whatspp us>>>>>>>>>>>>>>>>>>>>>+237677707293



Apply for real register Passport, Visa, Driving
License,ID CARDS,marriage certificates,diplomas etc. for
sell. Passport,citizenship,ID cards,driver
license,diplomas,degrees,certificates service available.
Tourist and business visa services available to residents
of all 50 states and all nationalities Worldwide. We are
unique producers of Authentic High Quality passports,
Real Genuine Data Base Registered and unregistered
Passports and other Citizenship documents.We can
guarantee you a new Identity starting from a clean new
genuine Birth Certificate, ID card, Driver’s
License,Passports, Social security card with SSN, credit
files, and credit cards, school diplomas, school degrees
all in an entirely new name issued and registered in the
government database system. We use high quality equipment
and materials to produce authentic and counterfeit
documents.All secret features of real passports are
carefully duplicated for our Registered and unregistered
documents. We are unique producer of quality false and
Real documents.We offer only original high-quality
Registered and unregistered passports,driver´s
licenses,ID cards,stamps,Visa, School Diplomas and other
products for a number of countries like:USA,Australia,
Belgium,Brazil,Canada,Italian,Finland,France,Germa ny,Isra
el,Mexico, Netherlands,South Africa,Spain,United Kingdom,
etc.

CONTACT OUR SUPPORTERS

Contact us on>>>>>>>>>>>>>>vanwest04@gmail.com

General
Support>>>>>>>>>>>>>>>>vanwest04@gmail.com

whatsapp>>>>>>>>>>>>>>>>>>>>>+237677707293

Call us on>>>>>>>>>>>>>>>>>+237677707293


ORDER ANY UNIVERSAL DOCUMENTS YOUR OF NEED

• PASSPORTS
• ID card
• Social security card
• Drivers Licenses
• Canada Cards
• United States Cards
• Student Cards
• International Cards
• Private Cards
• Adoption Certificates
• Baptism Certificates
• Birth Certificates
• Death Certificates
• Divorce Certificates
• Marriage Certificates
• Custom Certificates
• High School Diplomas
• G.E.D. Diplomas
• Home School Diplomas

• College Degrees
• University Degrees
• Trade Skill Certificates
• Validate SSN Number
• US green cards
• Counterfeit dollars/euro
• Spy Products
• Voice Changers
• Listening Devices
• Invisible Ink
• DMV Record Inquiry
• Background Check
• Investigate Anyone


CONTACT OUR SUPPORTERS

Contact us
on>>>>>>>>>>>>>>>>>>vanwest04@gmail.com

General
Support>>>>>>>>>>>>>>>>vanwest04@gmail.com

whatsapp>>>>>>>>>>>>>>>>>>>>>+237677707293

Call us on>>>>>>>>>>>>>>>>>+237677707293


Registered and unregistered passport of all countries.
Visas, biometric passport, degrees, drivers license,I.D
cards.Training certificates M GCSE, A-levels,High School
Diploma Certificates,GMAT,MCAT,and LSAT Examination
Certificates,Novelty Birth, Marriage and Death
Certificates Novelty Passports and New Identity
Packages,Replicated,Real Degrees/Diplomas from most post-
secondary institutions from around the world (we have
over 3000 templates on file) all designed to look 100%
identical to the original.Custom Printing (if we do not
already have the template on file – simply email us a
copy and we can make any alterations/modifications as per
your directions).second, citizenship, identity,
identification, documents, diplomatic,nationality, how
to, where to, get, obtain, buy, purchase, make,build a
passport, id British, Honduras, UK, USA, us Canada,
Canadian, foreign, visa, Swiss, card, ids, document

BUY REAL DOCUMENTS

our contacts include ex private investigators,
consulates, high ranking government personnel's and
experienced seasoned experts, we have solid connections
with higher personnel's on all areas of real register
documents and passport change in these Countries who are
linked to the passport agency in each of these countries
and with the help of their connections, all our clients
demanding any citizenship document or passport from any
countries are 100% assured as well as guaranteed of
receiving very high quality real genuine registered
documents that can never be identified as fake!! Not even
an expertise custom official or machine can ever dictate
the document as fake since the document is no different
from Real government issued! All our real genuine data
base Registered citizenship documents have your personal
data registered in the data base system and 100% machine
readable. Feel free to get the additional detailed
information about our services. Sincerely hope to find a
way to cooperate with you. If any of these products
interest you, please feel free to contact us. We will
give you our best price upon receival of your detailed
inquiry.

Kjøp registrert pass, førerkort, ID kort, ((vanwest04@gmail.com) (+ 237677707293),

$
0
0
Kjøp registrert pass, førerkort, ID
kort, ((vanwest04@gmail.com) (+ 237677707293),
IELTS-sertifikat, Visa, Fødselsbevis, Skole
Diplomer, Ekteskapsbevis, US Greencard og mange andre
dokumenter

Whatspp oss >>>>>>>>>>>>>>>>>>>> + 237677707293



Søk om ekte register Pass, Visa, Kjøring
Lisens, ID-kort, ekteskapsbevis, eksamensbevis etc. for
selge. Pass, statsborgerskap, ID-kort, sjåfør
lisens, diplomer, grader, sertifikat tjeneste tilgjengelig.
Turist- og forretningsvisumtjenester tilgjengelig for beboere
av alle 50 stater og alle nasjonaliteter over hele verden. Vi er
Unikke Produsenter av Autentiske High Quality Pass,
Real Genuine Data Base Registrert og uregistrert
Pass og andre statsborgerskapsdokumenter. Vi kan
garantere deg en ny identitet som starter fra en ren ny
Ekte fødselsattest, ID-kort, Driver
Lisens, Pass, Sosialt sikkerhetskort med SSN, Kreditt
filer, og kredittkort, skole diplomer, skole grader
alle i et helt nytt navn utgitt og registrert i det
regjeringens databasesystem. Vi bruker utstyr av høy kvalitet
og materialer for å produsere autentisk og forfalsket
dokumenter. Alle hemmelige egenskaper av ekte pass er
omhyggelig duplisert for våre registrerte og uregistrerte
Dokumenter. Vi er unike produsent av kvalitet falsk og
Ekte dokumenter.Vi tilbyr kun opprinnelig høy kvalitet
Registrert og uregistrert pass, drivere
lisenser, ID-kort, frimerker, Visa, Skole Diplomer og andre
Produkter for en rekke land som: USA, Australia,
Belgia, Brasil, Canada, italiensk, Finland, Frankrike, Tyskland, Isra
El, Mexico, Nederland, Sør-Afrika, Spania, Storbritannia,
etc.

KONTAKT OSS SUPPORTERS

Kontakt oss på >>>>>>>>>>>>> vanwest04@gmail.com

Generelt
Support >>>>>>>>>>>>>>>> vanwest04@gmail.com

whatsapp >>>>>>>>>>>>>>>>>>>>> + 237677707293

Ring oss på >>>>>>>>>>>>>>>> 237677707293


BESTIL NÅR UNIVERSIELLE DOKUMENTER DIN BEHOV

• PASS
• ID-kort
• Trygdekort
• Drivers-lisenser
• Canada-kort
• USA-kort
• Studentkort
• Internasjonale kort
• Private kort
• Adopsjonsbevis
• Dåpsertifikater
• Fødselsbevis
• Dødsertifikater
• Skilsmisse sertifikater
• Ekteskapsbevis
• Egendefinerte sertifikater
• Videregående Diplomer
• G.E.D. vitnemål
• Høgskole Diplomer

• College grad
• Universitetsgrader
• Handelsferdighetsbevis
• Bekreft SSN-nummer
• Amerikanske grønne kort
• Falske dollar / euro
• Spionprodukter
• Stemmevekslere
• Lyttemateriell
• Usynlig blekk
• DMV-rekordforespørsel
• Bakgrunnskontroll
• Undersøk noen


KONTAKT OSS SUPPORTERS

Kontakt oss
på >>>>>>>>>>>>>>>>>> vanwest04@gmail.com

Generelt
Support >>>>>>>>>>>>>>>> vanwest04@gmail.com

whatsapp >>>>>>>>>>>>>>>>>>>>> + 237677707293

Ring oss på >>>>>>>>>>>>>>>> 237677707293


Registrert og uregistrert pass i alle land.
Visum, biometrisk pass, grader, førerkort, I.D
kort. Treningsbevis M GCSE, A-nivå, videregående skole
Diplom sertifikater, GMAT, MCAT, og LSAT eksamen
Sertifikater, nyfødt fødsel, ekteskap og død
Sertifikater Nyhetspass og ny identitet
Pakker, Replicated, Real Degrees / Diplomer fra de fleste post-
videregående institusjoner fra hele verden (vi har
over 3000 maler på fil) alle designet for å se 100%
identisk med originalen. Custom Printing (hvis vi ikke gjør det
Har allerede malen på filen - send oss ​​en e-post a
kopiere og vi kan gjøre eventuelle endringer / modifikasjoner per
dine retninger) .sekund, statsborgerskap, identitet,
identifikasjon, dokumenter, diplomatisk, nasjonalitet, hvordan
å, hvor skal man få, få, kjøpe, kjøpe, lage, bygge en
pass, id Britisk, Honduras, Storbritannia, USA, USA Canada,
Kanadisk, Utenlandsk, Visa, Sveitsisk, Kort, ID, Dokument

KJØP REAL DOKUMENTER

våre kontakter inkluderer tidligere private etterforskere,
konsulater, høytstående regjeringens personell og
erfarne erfarne eksperter, har vi gode forbindelser
med høyere personaler på alle områder av reelt register
dokumenter og passendringer i disse landene som er
knyttet til passforetaket i hvert av disse landene
og med hjelp av deres forbindelser, alle våre kunder
Krav på et statsborgerskap eller passport fra enhver
Landene er 100% sikret og garantert
mottar veldig høy kvalitet ekte ekte registrert
Dokumenter som aldri kan identifiseres som falske! Ikke engang
En ekspert sertifisert tjenestemann eller maskin kan noensinne diktere
The document is faculty since the document is no other
fra Real government utstedt! Alle våre ekte ekte data
base Registrerte statsborgerskapsdokumenter har din personlige
data registrert i databasesystemet og 100% maskin
lesbar. Ta gjerne det ekstra detaljerte
informasjon om våre tjenester. Vennlig hilsen håper å finne en
måte å samarbeide med deg. Hvis noen av disse produktene
interesser deg, vær så snill å kontakt oss. Vi vil
gi deg vår beste pris ved mottak av detaljert
henvendelse.

Cumpărați pașaportul înregistrat, permisul de conducere, codul de identificare carte,

$
0
0
Cumpărați pașaportul înregistrat, permisul de conducere, codul de identificare
carte, ((vanwest04@gmail.com) (+ 237677707293),
Certificat IELTS, Visa, Certificat de naștere, Școală
diplome, certificat de căsătorie, US Greencard și multe altele
documente

Whatspp us >>>>>>>>>>>>>>>>>> + 237677707293



Aplicați pentru înregistrări reale Passport, Visa, Driving
Licență, carduri de identitate, certificate de căsătorie, diplome etc.
vinde. Pașaport, cetățenie, cărți de identitate, șofer
licență, diplome, diplome, certificate de servicii disponibile.
Serviciile de viză turistice și de afaceri disponibile rezidenților
din toate cele 50 de state și toate naționalitățile din întreaga lume. Noi suntem
producătorii unici de pașapoarte autentice de înaltă calitate,
Baza de date autentică reală Înregistrată și neînregistrată
Pașapoarte și alte documente de cetățenie. Putem
vă va garanta o nouă identitate pornind de la un nou curat
certificat autentic de naștere, cartea de identitate, șoferul
Licență, pașapoarte, carte de securitate socială cu SSN, credit
fișiere și cărți de credit, diplome școlare, diplome școlare
toate într - un nume cu totul nou emis și înregistrat în
sistemul de baze de date guvernamentale. Folosim echipamente de înaltă calitate
și materiale pentru a produce autentic și contrafăcut
documente. Toate caracteristicile secrete ale pașapoartelor reale sunt
duplicat cu atenție pentru cei înregistrați și neînregistrați
documente. Suntem unic producător de calitate false și
Documente reale.Noi oferim numai originale de înaltă calitate
Pașapoarte înregistrate și neînregistrate, șofer
licențe, cărți de identitate, ștampile, viză, diplome școlare și altele
produse pentru o serie de țări !!! ar fi: SUA, Australia,
Belgia, Brazilia, Canada, italiană, Finlanda, Franța, Germania, Isra
el, Mexic, Olanda, Africa de Sud, Spania, Marea Britanie,
etc.

CONTACTAȚI SUPORTURILE NOASTRE

Contactați-ne la >>>>>>>>>>>>>>>> vanwest04@gmail.com

General
Suport >>>>>>>>>>>>>>>> vanwest04@gmail.com

WhatsApp >>>>>>>>>>>>>>>>>>>>> + 237677707293

Sunați-ne la >>>>>>>>>>>>>>>>> + 237677707293


ORDEREAZĂȚI TOATE DOCUMENTELE UNIVERSALE DE A DUMNEAVOASTRĂ

• PAȘAPOARTE
• Carte de identitate
• Card de securitate sociala
• Licențe de conducere
• Canada Cards
• Cartele din Statele Unite
• Carduri pentru studenți
• Carduri internaționale
• Carduri personale
• Certificate de adopție
• Certificatele de botez
• Certificate de naștere
• Certificate de deces
• Certificatele de divorț
• Certificate de căsătorie
• Certificate personalizate
• Diplome de liceu
• G.E.D. diplome
• Diplome de școli de origine

• Diplome de colegiu
• Diplome universitare
• Certificatele de Competență în Comerț
• Validați numărul SSN
• Cartele verzi din SUA
• dolari contrafăcute / euro
• Produse spion
• Schimbătoare de voce
• Dispozitive de ascultare
• Cerneală invizibilă
• Ancheta înregistrării DMV
• Verificare a antecedentelor
• Investigați pe oricine


CONTACTAȚI SUPORTURILE NOASTRE

Contacteaza-ne
pe >>>>>>>>>>>>>>>>>> vanwest04@gmail.com

General
Suport >>>>>>>>>>>>>>>> vanwest04@gmail.com

WhatsApp >>>>>>>>>>>>>>>>>>>>> + 237677707293

Sunați-ne pe >>>>>>>>>>>>>>>>> + 237677707293


Pașaportul înmatriculat și neînregistrat al tuturor țărilor.
Vize, pașaport biometric, diplome, permis de conducere, ID
carduri. Certificatele de instruire M GCSE, A-nivele, liceu
Certificatele de diplomă, examenele GMAT, MCAT și LSAT
Certificate, naștere la noutate, căsătorie și moarte
Certificate Pașapoarte de noutate și noua identitate
Pachete, Replicate, Real Degrees / Diplome de la cele mai multe post-
instituții secundare din întreaga lume (avem
peste 3000 de șabloane pe fișier) toate concepute pentru a arăta 100%
identic cu originalul. Imprimare (dacă nu o facem
aveți deja șablonul pe fișier - trimiteți-ne un e-mail a
copiați și putem efectua orice modificări / modificări în conformitate cu
instrucțiunile dvs.). secundă, cetățenie, identitate,
identificare, documente, diplomatice, naționalitate, !!!
unde, să obțină, să cumpere, să cumpere, să cumpere, să facă, să construiască
pașaport, id britanic, Honduras, UK, SUA, noi Canada,
Canadian, străin, viză, elvețian, carte, identitate, document

CUMPARA DOCUMENTE REALE

contactele noastre includ ex anchetatori privați,
consulate, personalul guvernamental de rang înalt și
experți experimentați experimentați, avem legături solide
cu personal mai înalt în toate domeniile de înregistrare reală
documente și schimbări de pașapoarte în aceste țări care sunt
legat de agenția de pașapoarte din fiecare dintre aceste țări
și cu ajutorul conexiunilor lor, toți clienții noștri
solicitând orice document de cetățenie sau pașaport
țările sunt 100% asigurate, precum și garantate
care primesc foarte de înaltă calitate reale autentice înregistrate
documente care nu pot fi identificate ca fiind false! Nici măcar
un oficial sau o mașină personalizată de expertiză poate dicta vreodată
documentul ca fiind fals, deoarece documentul nu este diferit
de la guvernul Real emise! Toate datele reale ale noastre
baza documentelor de cetățenie înregistrată au personalul dvs.
date înregistrate în baza de date și 100% mașină
ușor de citit. Simțiți-vă liber pentru a obține detalii detaliate
informații despre serviciile noastre. Sincer sper să găsească o
modalitate de a coopera cu dvs. Dacă aveți oricare dintre aceste produse
vă interesează, vă rugăm să nu ezitați să ne contactați. Noi vom
să vă oferim cel mai bun preț la primirea detaliilor dvs.
Anchetă.

chargeback and bonding authority

$
0
0
I am trying to recover money for airberlin tickets witch chargeback. After few weeks I got a response from the bank that I should report a bonding authority claim within 7 days of receiving the answer. Within 7 days of sending the claim I have to start the chargeback procedure again. Finally, there is information that it is a formal requirement that the bank may attempt to recover money. Is the bank doing the right thing? I found a record in the regulations of VISA services, but I do not fully understand the last sentence:
Quote:

For a Chargeback related to non-receipt of travel services from a provider who has failed, if the services are covered by a bonding authority/insurance scheme, the Issuer must attempt to obtain reimbursement from the relevant bonding authority/insurance scheme, unless the bond or insurance scheme is insufficient. If the bond or insurance scheme is insufficient, the Issuer may use information in the public domain to initiate the Chargeback.
Should I appeal according to the above? Or should I, as recommended, submit a claim for bonding authority and then start the chargeback again?
Thank you for your help!

Sainsbury's Credit Card

$
0
0
Just letting you know that the Sainsbury's credit card is not taking 7-10 days for delivery as advertised, it is now 3 weeks I have been waiting and have rang twice now to be told it will be arriving in a couple of days. If you want this card for Christmas shopping don't bank on it arriving in time! Disappointed!!

MSE News: Tesco cancels some customers' credit cards just two weeks before Christmas

Gone bust

$
0
0
Hi
I recently brought a Tv in a Black Friday event from the Sony centre in Horsham .
I was told it would take a week to order in and it would have to be paid for in full before ordering .
After a week I phoned but no answer, finally after another weeks wait I was told last tuesday it would be in on Wednesday and I could pick it up thursday .
Along I went only to find the store closed and a phone number for the reciever on the door.
i immediately called my bank ( Hsbc ) and was told that they would refund my account temporarily subject to a claim back case being successful . And they also said that as I haven't received my goods i stood a 99% Chance .
I also called the reciever and they finally returned my call after two days and asked for the invoice number they also said if my goods were in store I could collect over the weekend . Later that evening the reciever called me while on the bus traveling home to let me know that my goods hadn't even been ordered and not to bother getting the bank to claim back as the company had gone into liquidation and their was nothing the bank could do .
Today I recieved a load of paperwork that I don't understand from the reciever and it says their bank is also Hsbc !!.
Does this mean they would be able to refund me 100% or is it like the old knock for knock scenario !!.
Any help appreciated !!.

DEBIT card and Chargeback

$
0
0
I hope this is the correct place, if not apologies.

I am helping a support group of over 200 youngsters initiate chargebacks with their banks

A holiday company provided disgusting alternatives without informing the youngsters. The evidence I have shows the company did not have sufficient money to pay for the experiences and gave far inferior. There is a lot of evidence.

Some including myself have had full refund, however a lot of bank are just plain refusing, saying they cannot refund

This is in the UK
The claims are within the 120 day limit
It is claim code 30


What can I do to guide these people in the right direction. I thought a chargeback scheme should be in place with all banks and would have thought it woul be visa or mastercard that make the decisions and not the banks

Any advice on the legalities of it

Help new to credit cards

$
0
0
Hey every one. I am new to credit cards, I always deal in cash and am 28 years old and I was wondering what to do and what to get,

Iv got a good credit rating we’ll as good as with out having credit , no debts or loans , have savings and a mortgage.

I always prefer to deal in cash and don’t like the thought guy of buying stuff on plastic as I wouldn’t know how much i have spent or how it’s ment to be paid back

Any help would be appreciated andy

Halifax Credit Card Decline appeal

$
0
0
Hi,


I'm wondering if anyone has ever been successful appealing a declined credit card application for Halifax?


I have had a through look at my file thoroughly (on all three CRA'S) and all is up to date, no missed payments, utilisation on current credit cards approx. 70%, 2 phone contracts with O2 up to date, on electoral roll, no CCJ's defaults etc. I used payday loans heavily in the past and actually took out a loan with MYJAR during the summer as I needed a quick, large sum of money, but this was paid back almost immediately. It was also a loan which was to stretch over 12 months, not a typical 'payday' loan.


I am not paying much attention to my score as I know it is irrelevant but my recent account conduct has been good (12-24 months). I am working to improve my history and can only seem to get a hold of these higher rate sub-prime cards which I don't need or want. The aim is a balance transfer card for some respite in clearing my credit card balances.


Wondering is it worth appealing and sending a copy of my credit file via an agency, along with credit card statements, bank statements etc? It may be worth noting I am currently a Halifax Easy-Cash account holder and that I was declined almost straight away, no referrals or 'we will respond it....days time', so it leads me to believe they haven't got a full insight into my circumstances and are relying only on their scoring system.


Any help or recommendations would be appreciated.


Thanks :)

Address change on accounts

$
0
0
I'm staying at a different address for the next 8+ months to where I'm registered to vote, does anyone know if I can change my statements / bank correspondence to this address without any issues?

Letter from collection agency for debt that is not mine

$
0
0
I received two letters today from a collection agency, both saying they are for accounts at a company I've never used, and for debts that are not mine.

It's a bit odd as it says "following recent correspondence" which is untrue, as this is the first I've seen this. It also shows two separate accounts supposedly in my name at this business. I've never even used this company, so there's no way. Not to mention that I only have one debt that I am paying off.. and it's not this! It also is "offering" 75% of my "debt" if I pay them quickly.

I've put together a letter stating that I received their letters and that this is not my debt, so therefore they shouldn't be contacting me again. Is that about it then?

No idea why they have my name and address.....

Prepaid for children

$
0
0
I want to give my 2 kids at uni a prepaid card with some ££ on to buy train tickets home if they get homesick / hungry.
Pockit looks good, but do I need to get 3 - one for me as bill payer and then one each for kids, or just get for them ?
Alternatively, does anyone have a better suggestion ?

Cheers
Wavey Davey

MSE News: New 'sustainable' loyalty scheme launched for Mastercard customers

claiming back payments to credit cards

$
0
0
I've been called a couple of times by a company called Veritas, claiming they can get all balances on any credit card cleared, along with compensation, if the credit limit has been increased without requesting it. Sounds to good to be true and I wondered if anyone else had received similar calls, or knew anything about a possible claim.
Any info would be great, thanks

New Customer

$
0
0
Hello,


At what point are you regarded as a new customer with a bank/credit card lender?


I have a CC and will be closing it soon as it's not used. I also have another which I will be doing a balance transfer soon. If the bank who I am closing with have an offer would I be classed as a new customer and receive the offer? How long would I have to wait to be classed as a new customer?


I guess an option could be to open the account in my partners name as they would be a new customer. Then request an additional card at a later stage.


Many thanks


Mookie

Existing customer BT offer for me - 5% for 60 months BT offer. Is it good?

$
0
0
As an existing customer with the bank with a credit card, I can see the following balance transfer offer:

Rate: 5%
Length: 60 months
Fee: 0%

Is this good? Will a credit check/search be made?

I don't want a new card. I have another credit card with another provider and want the balance to be transferred to the above.
Viewing all 20359 articles
Browse latest View live