 Is my credit card account active? |
| I got this credit card in the mail because I applied to see if I could get it. I don't remember saying I wanted it but I got the card anyway and it came with all the rules and charges etc. Does ... |
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 Need a persoanl loan yesterday.... my credit is not good ....no collateral ....? |
| alot of overseas private lenders respond but ask for 400.00 to 2000.00 for me to deposit in order to get the loan .... i have never heard of such a thing>> scam????anyone else heard of these ... |
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 Ive never had a credit card. I have no credit, what do I do? |
Ive never had a credit card. I have no credit what so ever and need some fast what do I do?
Additional Details
And I am over 18... |
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 Personal Loan? |
| Does anyone know anyone legitimate who would give a personal loan. I have lost about $9,000 with scammers, and need someone legitimate to help me get back on track again.... |
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 Does anybody know if a car dealership can check your credit without showing anything on your credit report? |
| A car salesman promised me that he can check my credit without affecting my credit score as an inquiry, I just want to see if anybody has hear of this before?!... |
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 My friend has a few credit cards in collections. he is moving soon to another state.? |
| If these credit cards want their money and try to come after him, how will they find him? He will be staying with a friend and will be looking for a job. I am little worried about him. Would hate ... |
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 I'm trying to clean up my credit and I have a question about a student loan...? |
| I have a student loan that's 200+ days delinquent, I want to get the loan out of delinquency, but it's like $590. There is an option that Sally Mae gave me, where if I make a payment they ... |
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 How much credit have you got left? |
I've got £1.64..
Additional Details
On your mobiles, silly!... |
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 Took out a pay day advance. Debating closing checking account? |
| I RECENTLY TOOK OUT AN ONLINE PAY DAY ADVANCE. (THEY REQUIRED ME TO GIVE THEM MY ACCOUNT & ROUTING NUMBERS, BUT NO CHECK NUMBER). AFTER RECEIVING THE MONEY FROM THE COMPANY, I HEARD THEY WERE ON R... |
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 Is it better to get one loan for 11% interest or have two credit cards at 9% interest? |
I'm asking because I want to get a loan and consolidate two headache credit cards with two terrible customer service banks and wanted to know which is the better money saver
Additional D... |
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 What will happen if I file bankruptcy? |
| I've been thiniking about it. how would it work I have about 3,500.00 in debt that I would like to eliminate also I keep getting turned down for credit and I have been trying to repair my ... |
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 If you were a minor (15-17) and lied to obtain credit, can you dispute it and get it removed from your report? |
| Ok...I must admit. I was young and dumb. I received a credit card when I was 15 very easily over the phone by lying about my age. They even called me! Og course, knowing nothing about credit I ... |
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catx_pye | Getting back credit card charges? |
My credit card just defaulted, and they company are being pretty awful to me. I am a student and genuinely cannot afford to pay the large sums of money that they are expecting me to pay back.
I have been requesting for a long time that they send me statements as they have been sending them to my old address for the past 4 monthes. This they have not done.
I heard that you an claim back credit card charge's, does anybody know if this is true or how i do this?
Also is this company allowed to demand that i pay back approx £50 a week, when tht is more than my weekly income?
And if they take me to court what will happen there? |
 |
 
leece
 |
go to C,A,B they will send them a letter, credit card company's are not allowed to give cards to unemployed or students on low incomes as they can not pay the money back, the banks do not tell you that you will be paying an extortionate amount of interest back on the money you borrow otherwise they know you will run a mile, when it gets sorted out cut the card up, close the account and learn from this first time to never get a credit card again. This country is built on debt and it wont stop until these banks lose money after cards given to those on low incomes |
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PinHead
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go to citizens advice |
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Tango
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If they take the case to court, the judge will apply an order in relation to your income and outgoings. Regarding being reimbursed for charges I think you would find it difficult unless you have grounds to apply for charges illegally made by the credit card company. If you are in any doubt, contact the Financial Ombudsman.
http://www.financial-ombudsman.org.uk/ |
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Random Hangman
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Ignoring shortbreadtin's and slippery magoo's "soapbox" answers (like you've never made an error?), pinhead is right. CAB can be pretty good in these situations. They can help you to negotiate with the card company and sometimes freeze (or even reduce) interst charges.
try to avoid the court option as you will be lumbered with a ccj and court costs.
Good luck |
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PHILIP K
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Defaulted means you have stopped paying your credit card bill. This is a serious situation. You should seek professional advice immediately. I would contact the Citizen's Advice Bureau. http://www.adviceguide.org.uk/index/life/debt/help_with_debt.htm
They will help you reach an agreement with the credit card company to pay back what you owe by paying an amount you can afford. If you do this you will not have to go to court.
You can only claim back charges if you can prove they are unfair. You cannot claim them back if they are because you haven't paid your bill. |
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OP-lo
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1. Log onto your account via their web site to change you address.
2. Call them to negotiate new terms if possible. You will have to pay them back in one way or another.
3. If the future, don't spend more than you can afford to pay back in full on a monthly basis. |
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kelly f
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you can claim unfair charges back from credit cards and bank accounts - ie, defualted payments, unauthorised over draft fees etc!
There are companies out there that can do it for you, but it is just as easy to do it yourself - you will need copies of all your statements for the up to the last 6 years - this will obviously be less if you have not had the card/account that long. You can also claim the interest the companie would have earnt off that money too!
I have included two links below - one will help you do it yourself, the other is a company that will do it for you, on a no win no fee basis - but will take 25% of whatever you reclaim - once the company has refunded the money! |
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Rob E
 |
There is a great site, not for profit, called moneysavingexpert.com, and they have a guide showing you how to reclaim unfair credit card charges (plus bank charges in a separate section). Only reasonable charges can be claimed, and they are often very unreasonable!
http://www.moneysavingexpert.com/reclaim/credit-card-charges
As others have said, CAB have experts that will negotiate with lenders for you, in order to seek an affordable payment plan. Their service is free. I wouldn't use a co. to reclaim your fees, as they will invariably take a cut of the cash.
Good luck! Rob |
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kapn
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Did you use the card...yep....do you owe the money...yep....get a second job....drop out of school for a few years and take care of YOUR debt... |
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slippery magoo
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If you've borrowed money from em' then surely the ONUS is on you to REPAY the 'said' amount at the assumed rates agreed upon, & at the FIXED period bud!...... |
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shortbreadtin
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What made you get a credit card as a student anyway? And when you got one why spend so much on it that you can't pay it back?
Daft. |
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