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Found 7 results

  1. Hello. Can anybody help me? This is my first post on here. On December 2nd I transferred a balance of £460 from another card (Clydesdale) onto my M&S credit card, taking advantage of a 0% offer; I have had the M&S card for a few years now. A few days later I received a letter from them informing me that the balance transfer had been completed. I thought this strange as I'd never received one of these before when transferring earlier balances to the card. Anyway, the £460 hasn't reached the Clydesdale card account yet but shows up on my M&S statement - in writing at leas
  2. Hello, A couple of questions: 1. How long do banks keep statements for bank accounts where the account is closed following Default but a debt is still outstanding from an overdraft? 2. If a consolidation loan taken out in 2005 (defaulted same year) replaces another loan and a credit card debt with the same company, will the bank have to produce details of all these accounts under a full SAR request? I've been through tons of posts on the forum but there is so much conflicting information, it's difficult to know what is the true position. Thanks in advance.
  3. Hi, I hope someone will be able to help me. I have had quite a number of credit cards and loans in the past whilst trying to pay off student debt and haven't got the details as when I closed or settled the accounts I shredded the documnets. I am getting lost in the procedure and the more guides I read the more confused I seem to be getting. I don't know whether some of the cards are worth persuing or whether to forget about them and keep my £10 for SAR's etc. Some are quite old. I have opened an Experian account to view details but not all the cards I had have appeared and I wondered wh
  4. No way - Natwest have this new BLACK Account for £24 a month- its the best they do and it comes with PURPLE CARDS - what a joke have i missed something. Where is the black Card and why are they not issuing black cards. What a con - i meet the account requirements and no way will i stay with these lot.
  5. Wondering if anyone can help or advise me about claiming PPI back?? I took out loans in 2002/2003 not sure how many as its now with the credit agency Wescot, Could anyone advise me on how i go about or even if i can claim PPI on these??
  6. I'll try to keep this brief. I had/have a vanquis bank credit card, I hold my hands up and say I defaulted on payments and now owe them just shy of £600. At the end of last year I got into finiancial difficulty and like an ostrich hid my head in the sand:sad: I have since paid off one of my debts, today a company called 1st credit called me to say Vanquis had passed the debt to them. Again I stress I don't dispute the money because I do owe it but like thousands of others I'm not in a position right now to pay it in full which they demanded. They then offered to discount the de
  7. I've an open thread about PCI compliance and just had a thought regarding the recent Sony Playstation server hack. Sony must have some pretty high security standards; much higher than the average company would usually install and yet personal credit card information was hacked. How on earth is a small to medium company supposed to stand up to the new rules credit card companies are imposing if Sony can get hacked? £50,000 fine is nothing to Sony but that will put most small companies out of business... Or is that the idea?
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