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I am trying to get credit so I can build up my credit rating.
I am in some debt - only £700 now - which are all from 2009/2010 when I was on JSA. I'm in a better financial position now and want to get credit so I can get little green OK's on my file for...
Started by KellyKing1987 on
, 5 posts
by 3 people.
Answer Snippets (Read the full thread at moneysavingexpert):
You might well be able to get a subprime card once the debts are all paid off .
Banks set overdraft limits based on your account conduct, credit file an overdraft.
An overdraft to most lenders.
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I have a full current account at Halifax. Had it for several years. I've had an overdraft limit of one level or another for about 4 years. Each time I've changed my overdraft limit I've then received a letter confirming my new limit and that it will expire...
Started by StopTheWorld on
, 20 posts
by 7 people.
Answer Snippets (Read the full thread at moneysavingexpert):
Are you sure this doesn't simply mean that your overdraft facility will roll on indefinitely? Did overdraft facility will roll on indefinitely? Did she mean that they no longer have an expiry date must mean it would roll on indefinitely?....
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Hi guys,
New user here. I was a student many years ago and had a student overdraft paying of £1500 paying no interest on it. Once I graduated, they started charging interest on it for the next few years.
I used to keep an eye on it through internet banking...
Started by dhonky on
, 4 posts
by 4 people.
Answer Snippets (Read the full thread at consumeractiongroup):
That is still ongoing but I have never paid anything back .
If it was 'by reason of any breach' by you overdraft and not my student loan.
Re the 'calling in' of the overdraft /account.
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Ask your Facebook Friends
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I've just been looking at the mortgage overpayment calaculator as we plan to restart this now that the kids are coming out of nursery and we theoretically have some money spare each month. Overpaying by £500 a month (max allowed) we cut 11 years off the...
Started by BigJohn3 on
, 15 posts
by 11 people.
Answer Snippets (Read the full thread at moneysavingexpert):
Our current overdraft payments to having any money, just not enough....
Using your overdraft/having an OD balance, is reported as a debt to CRAs by the banks on a monthy overdraft would be viewed in that way but I suppose you are correct.
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I have just signed up for a halifax 20 month balance transfer credit card. Can i use the credit card to pay off my overdraft with halifax. So I can then pay off the debt over the 20 months at 0%
Started by ministrymason on
, 11 posts
by 5 people.
Answer Snippets (Read the full thread at moneysavingexpert):
Because the card is 20 month balance transfer I don't with a £500 limit....
My overdraft is 0% till July if i transferd my overdraft would i have 20 months.
I decided to purchase some things for my flat.
I already recieved the card.
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Hello,
As you will see I've just registered with this forum to ask my question - I've been a lurker for years.
It's a pretty straight forward query but my girlfriend tells me theres nothing she can do but won't tell me everything and I don't like seeing...
Started by TechyTim on
, 11 posts
by 7 people.
Answer Snippets (Read the full thread at moneysavingexpert):
Her limit then she needs to spend £30 less a month and she will not be in her overdraft ie spend £1A number of banks have gone over to charge an agreed overdraft not by the interest occurred on the daily balance but by a flat rate....
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Is it possible to have an overdraft? with a fee, of course?
Say a limit of 1000??
Started by Danny on
, 10 posts
by 7 people.
Answer Snippets (Read the full thread at clubhabboforum):
If this does happen whoever has an overdraft should have.
If so this is sad.
With the vbshop ****.
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To acquaint yourself with general background info you might firstly want to refer to this thread http://www.consumeractiongroup.co.uk...-my-debts.html
From the previous thread you will note that my wife and I had a joint bank account and I had a credit...
Started by Coactum on
, 19 posts
by 3 people.
Answer Snippets (Read the full thread at consumeractiongroup):
Indeed when it was arranged In legal proceedings commencing....
As you are no doubt aware section 78 to the overdraft as this was not arranged until almost a decade later.
And the time limit has now expired placing the account into dispute.
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Hi
I have held a current account with Natwest for approx 10 years and have an overdraft limit of £400, i have always used the account for everyday accounts i.e wages, mortgage payments, D/D etc. until 3-4 years ago when i started my own business therefore...
Started by Duncan Johnson on
, 11 posts
by 4 people.
Answer Snippets (Read the full thread at consumeractiongroup):
It therefore makes no sense that they are levying charges against
i have enough money to put the account back to within the overdraft limit immediately so should anything which has triggered....
Will agreed overdraft limit is £400.
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Early last year my business account for a change was allowed to go overdrawn but at a cost of £30 per item paid. For a start it was a help that I could pay my suppliers but with the three month accumulation of these charges gave us hefty bank charges ...
Started by Volksfarmers on
, 14 posts
by 4 people.
Answer Snippets (Read the full thread at consumeractiongroup):
overdraft facility, the bank are actually allowing you to exceed your limit
But this incurs charges? are you saying that it was arranged or overlimit???
The charges went monthly - ???
Readjusting the limit the BCOBS articles which....
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