 I have no credit and i need to get a personal loan quick!!? |
i have no co-signer and i need a loan
i haven`t started a line of credit yet!
and i don`t want a credit card!... |
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 How bad is our debt? |
| My husband and I have a total of about $20,300 of debt all together (credit card and student loans -- heavy on the student loans). How bad is this? I am 23 and going to graduate college in December --... |
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 I'm 18 years old: no credit, how can a bulid up good credit? |
| I'm getting a cell phone bill in my name and have considered a credit card---the basic rule being that I only spend what I can afford, I had a credit card in the past (in my grandfathers name, ... |
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 Is bankrupcy better than dept consolidation? |
64 years old, amount owed is approx 25,000 in credit card debt, retiring in 1 year, unable to continue full minimum payments and still keep my car.. (Got in too deep!)
Additional Details
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 Need nose surgery asap... awful credit. can i get a medical loan with a cosigner? |
| Ok, i have a very severe deviated nasal septum. my nose is crooked and it has gotten to the point where my throat is so torn up (because i can't breathe through my nose at night) that I ... |
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 I need 4,500.00 to get out of debt? |
| But since I've got a little behind on my payments no one will loan me any money. I need a debt consolidation loan, but all of them have turned me down to. I'm paying out 600.00 a month in ... |
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 Paid surveys? |
a scam or a gift?
anyone out there actually done it and got paid?... |
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 Pay it off myself, or go to a credit reduction agency? |
| I'm 23 years old, and I'm 1500 dollars in credit debt. It's impossible to find a renting place for an apartment with the bad credit, so I come to the friendly people here for some ... |
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 If I signed for students loans before I was 18, am I legally liable for the debt? |
| I started college when I was 15. I signed for $23,000 worth of student loans. My parents did not co sign. Now this debt is on my credit report. Technically, I don't think they can enter a ... |
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 My husband and I got behind on some credit cards and plan on paying them soon, problem w/ them calling...? |
| A few of my husband's creditors call probably 15 times per day. Sometimes I'll talk to them, they get nasty when I explain the situation and still keep calling and calling and calling. Isn&#... |
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 Harrassment by Collection Agency, can I sue for this? |
| This is in regards to a credit card. I told them I will pay it off in full when I get my income tax return because I lost my job when I was on maternity leave (differnet subject and now grounds for ... |
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 Now that WAMU went belly up, what happens to my credit card debt with them? |
| Seems to me that they went out of business and are no more. My debt to them should do the same.... |
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 Bad credit needs refinaceing a car.? |
My husband has been paying car loan almost a year with very high rate 20%.
He tried capital one but got denied. may be the credit is still not good..
Is that possible that I can be the co-... |
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 Credit for 16 year olds? |
| hey does anyone know the avialble credit cards avaiable to 16 year olds like a debit card ... |
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ianrobertson1 | My credit card company has charged me £12 late payment fee even although I sent the cheque in plenty of time. |
When I called them to complain they claimed the payment had now been received but due to the christmas post and the days the bank was closed over the festive period that my payment had been delayed in being proccessed. Surely I should not have to pay the late payment fee when it was sent on time and it is not really my fault my cheque had got caught up in there system due to them being closed over christmas and new year period. |
 |
 
PitytheFool
 |
Don't pay the fee. You would not believe the amount of times I have gotten out of paying late payment fees. I am an expert.
Here are the companies who tried to get money from me:
Avon: Late payment fee: £70 How much did I pay £0
New Look £40- I paid £0
Dorothy Perkins £20- I paid £0
Black Horse £20 - I paid £0
HSBC - Probably £100, going in at £20 a pop- I am ashamed to say I did end up paying £20 by accident!!!
Yours is only £12 but why should you have to pay it when you didn't do anything wrong. Next time you send it by post call them and let them know.
This is always mine:
I have just got out of hospital after an operation and sent my cheque weeks ago. Why the hell have you charged me? Obviously I was not at home to correspond with you, I haven't opened post or answered calls for weeks.
How very dare you?! I sent my cheque on time, if you have a problem with dates then I suggest you cancel Christmas ( that was a joke).
Ask to speak to a manager, they know they have to let you get away with it then because it looks bad on them if they don't (although in your case it is through no falut of your own- mine is always my fault) If bad people like me can get way with it when it was my fault then why shouldn't good people like you get away with it whn it wasn't your fault? |
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snetterton
 |
There is always a date by which your cheque must arrive to allow the credit card company to cash it - normally this takes 4 working days from the day they receive it. You are expected to build this into your calculations for when you send the cheque off. So it is your fault if you didn't count 25th, 26th Dec and 1st Jan as bank holidays. Pay up this time and use a calendar next time. Or set up a direct debit so it can't happen again. |
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gringopete101
 |
The cheque may not have cleared, it is your responsibility to make sure they get cleared payment on time. |
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Roger N
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Read the fine print. YOU are responsible to account for such delays and send the payment early enough to make the due date. BTW...paying over the internet has maybe a one day delay. |
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Ecko
|
Postage (unless recorded or registered) does not guarantee receipt although I'd try and get the charges waived they're normally pretty fair in my experience. Especially in view of the time of year.
And if that doesn't work, threaten to switch your balance to another provider. That might prompt them to do something |
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lyn
 |
YOU'D THINK WHEN YOU CALLED THEM THEY WOULD OF TAKEN THE LATE FEE OFF YOUR BILL, TRY ANOTHER CALL AND MAYBE YOU'LL GET CREDIT FOR IT. |
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minimetro
|
They usually say allow five working days etc. If you did, then it's not your fault and chase it up with Customer Services. |
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dream theatre
|
explain to them they will refund |
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DailyRefresher
|
You Are Asking as well as Answering!
So, what is the problem Man!
Try to enjoy the life without Credit Card.
Ali. |
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im2jaded04
 |
make royal mail pay it.....there bloody usless |
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the Boss
|
Call them again and explain that you expect the charge to be reversed. Let them transfer you to the person who has authority to do that. |
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Alfred E. Newman
|
tell them you will cancel your card and move to another one if they dont refund you the 12 quid,they will soon respond! |
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gypsie_spiryt
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Call them again and tell them again that it was not your fault. If the customer service rep cannot help you, ask to speak to their supervisor or manager. Unusally, they have more power to appease the customer. Also, be polite but not afraid to "threaten" to take your business elsewhere. Sometimes persistence is the key. I always use this tactic and usually it works. |
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jean ann edwards
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I have been charged 3 late payment fees by 3 different card even though on 2 i sent the payment in time and the third one i didn't recieve the bill until after payment date what should i do ? |
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