 Which is better? One credit card with $10,000 or two cards totaling $10,000? |
Additional Details
The limit on one card is $20,000 with a 4% rate right now. The limit of the other is $7,500 with 0% rate. Which is better for my credti score?... |
|
 My friend got a certified letter? |
| the mailman is trying to give my friend a certified letter from a credit card company. she wants to know what will happen if she just doesn't answer the door and doesn't sign for the ... |
|
 I'm the one that thought she was in $97,000 credit card debt. Come to find out the atty that sent the summons |
| had put the wrong amount in the paperwork. It's $9,700. Can I sue the attorney for mental anguish. (Got the paperwork on a Friday and had to go the whole week-end thinking the worse). Felt ... |
|
 How do you get a mortage with horrible credit? |
Additional Details
Give examples of companies willing to do so, I have a close friend that is desparate, her boyfriend has ruined her credit. And I'm wanting her out of my house!!... |
|
 Help!! I want a Credit Card But Im Only 20!!? |
| I got a offer in the mail from capitol one! It said something about the interest rate being 9.9% I want to know what is affordable for me! For example I have a full time job where I get paid $10 and ... |
|
 Ive been delined by my bank (barclays), captial one said no!? |
| who will give me a credit card no matter what the intrest is, im killin myself at the mo. no dough,... |
|
 I need a straight answer for my problem? |
| i lied about my age to get a credit card i said i was born in 1980.the year i was really born was in 1990 and i really need to know if anything is gonna happened to me now or in the future please im ... |
|
 Credit card debt and new baby on the way? |
I know this sounds like a CRAZY question.
My husband and I currently have about $2,800 in credit card debt. We are also expecting our first child at the end of January '08.
Has anyone ... |
|
 What credit cards would u reccomend? |
| im starting off on my credit i wanna get some suggestions on low rate credit cards for a "beginner"... |
|
 ARE YAHOO CENSORS A LOAD OF Rubbish? |
| Post someting vaguely rude and you get your question removed, post disgusting adverts for RIP OFF LOANS AND CREDIT your posting will remain for ages! Comments please.... |
|
 Advice for a young student with credit card debt? |
| When I turned 18, I made the grave mistake of applying for credit cards. I was so naive that I charged like no tomorrow. Now, over a year later, I find myself in financial debt. I owe about 4 K to ... |
|
 I just received a check that I don't know where it came from in the mail? Do I cash it or not? |
| It came in the mail via DHL and was written on December 3, 2008. It has a name and address on the package where it came from and it has my full name and address as the recipient. The check is for $3,8... |
|
 I need some debt advice? |
I have debts of £5000 from credit and store accounts. My income in £8000 and my minimum monthly payments for both my credit and store cards are £250-300, which I cannot afford to pay.
I... |
|
 How do i get a loan if im a minor? |
| I need the money to buy a used truck. I just recently crashed my parents. How can i do this? I would ask one of my good friends who is 18 but they dont have an established credit score so the ... |
|
 How can i get a loan when i have never borrowed before? |
I am having problems getting a loan and i think it is mainly because i havent borrowed before.
How on earth can i get one though when i havent got a credit history?
I have been ... |
|
 My Mom Want's One of My Credit Cards? |
She Keeps asking and I keep beating around the bush about it. I really don't want to give her one. I'm already paying off some of the things she asked me to get with one of my card.
<... |
|
|  |
Oscar100 | Advice about being ripped off by a bank? |
My wife is being ripped off by Nationwide Bank. About a year ago she needed to use her overdraft facility which she had used on many occasions prior to this. She went about £20 overdrawn. The bank then started issuing fines saying she did not have the overdraft any more as she is supposed to formally renew it every year in writing. She was never told this. We argued this for a while both in the branch and in writing but to no resolution. In the process they issued more and more fines and she ended up £90 overdrawn so we just decided to pay it in cash and close the account. However they refused to close it saying since we wrote the letter and settled the balance more fines were issued so she now owes more money. The fines have been coming fast since then and they are now saying that it is out of there hands and has been passed on to the courts. Can anybody give me any advice and I would like to know of ways I can let as many people know about this as possible i.e. good websites etc
Additional Details
Misskitty7... That is simply not true. I have had the same overdraft with my bank for over 10 years and have never once renewed it. |
 |
 
Kali_girl825
 |
You are going to have to get an attorney. Since it has gone to court you will need one.
Take care!
Kali :-) |
|
angie
|
http://www.financial-ombudsman.org.uk/ |
|
mselegant1_99
 |
no doubt about these banks, they will find ANY excuse to keep extorting money from their customers. it's despicable!
ignore the letters and simly don't use the account, then go to an ombudsman and make a formal complaint regarding the fees and charges that you are being hit with. then send the bank YOUR bill for having to write letters, make calls etc in order to contest these charges, see how they they like it! |
|
Hat-A-Tat-Tat!!
 |
try & claim these daft charges back..have a look at martyn lewis's website www.moneysavingsexpert.com - he is a good guy for the people..and doesnt like banks!! you might find a tip or two on there! |
|
misskitti7®
|
basically the bank when you signed for the OD would a said or it would a been in small print about the 12 month period you have to reply for it.
ever bank has that in place after 12 months they cancel it and you re apply
banks are rip offs but your best friend if loaded
regards x kitti x |
|
crystal s
 |
I know what you're going through. I have had my bank account for 6 years. It started as a student account and, then I added my husband onto it. Tada-one year later I have an overdraft and was charged fees. The bank said I should have renewed it every year. |
|
Nikita R
|
i'm afraid misskitty was right, every overdraft should be formally reviewed and renewed each year, if you still have the original paperwork for the overdraft agreement it should say this in small print.
the reason why you're getting charges upon charges is because they are not calculated as people so commonly think they are. they go from the middle of the month. so....if you go overdrawn in the middle of february you will be charged for that at the end of march,say you get paid at the end of each month, you will be charged again at the end of april for being overdrawn from the middle of march etc. and if a dd makes you go overdrawn, you'll get charged for an unpaid dd and then charged on top of that for going overdrawn, so its like a vicious circle. i think it very poor customer service for nationwide not the freeze the charges when you complained, as you said you went to pay off the charges and close the account, so they should have frozen the account and then given you a final amount to settle the account, it sounds as though they failed to do this, in which case, they are at fault. i would advise that you find a copy of the original paperwork that was signed. as if it clearly states on there that the overdraft has to be renewed, you may not have a leg to stand on, but if not then nationwide have to give you a reason why they have chosen to withdraw the facility. the least they should have done is to write to yourselves and offer the chance to have the overdraft reviewed, they shouldn't have withdrawn the facility without even advising you. if i were you i would demand a copy of the original documentation which your wife signed and then a copy of the letter they should have sent to advising you of the facility being withdrawn. because they should have sent you this letter. but good luck with it hun. i would advise having a chat with the financial ombudsman. because by the sounds of it Nationwide haven't followed every procedure required by the fsa. xx |
|
Daisyhill
 |
Contact watchdog...the tv show. |
|
troll bait
|
Banks are the biggest crooks! Close your account! They can't stop you! |
|
Le Jazzfan
|
Better get a lawyer to work out a deal to end it once for all. I really can't think of any better way, especially that they have brought it to court.
On the other hand, if you have all the evidence to prove that the bank has neglected to inform your wife about it's policy, and the bank has abused its own policy and drawn your wife deeper in debt, I think you have a good chance of getting justice to your side.
Still, get a lawyer. A good one. |
|
Graham H
|
Why not put your case to the court and if it is as you described it here then perhaps they will order Nationwide to refund the illegal fines, pay costs and even perhaps compensate you. |
|
kelly S
|
Get yourself onto the moneysavingexpert.com forums and post this there. There will be a load of people who will be able to help you out and point you in the right direction. |
|
Dave
|
This type of behaviour is currently being dragged through the court process to test its legality in a test case. During this period, the courts have agreed that banks can halt all proceedings against them until the result is known. If it comes up the it's illegal, then the banks will legally have to pay you back, otherwise, there wont be a lot that can be done. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
9 | 21 minutes(s) ago
| | | |
13 | 46 minutes(s) ago
| | | |
13 | 1 hour(s) ago
| | | |
13 | 6 hour(s) ago
| | | |
13 | 8 hour(s) ago
| | | |
11 | 11 hour(s) ago
| | | |
11 | 1 day(s) ago
| | | |
13 | 2 day(s) ago
| | | |
13 | 1 week(s) ago
| | | |
13 | 2 week(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
