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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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Overdraft and fees
Anyone started a overdraft in last 6 months and mind saying what rate they paying and set up fees?
1st bank i got Quote: from says 5.5% over base and 1.5% fee.
Seems harsh...:undecided:
Just wondering what sort of rate I should be ...
Started by Gothmog on
, 20 posts
by 14 people.
Answer Snippets (Read the full thread at farmingforum):
Re: Overdraft and fees
Could you take a fixed term loan instead as the rates would be more competitive?
Variable rate base +2.85 Re: Overdraft and fees
I used to work for a high street bank within will only pay one arrangement fee at the....
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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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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
, 5 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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I have a debt of £5k as an overdraft with the Halifax which when I was employed was no problem to service on a monthly basis. Since losing my job two years ago I got the Halifax to agree a token repayment of £1 until/should my circumstances improve. I...
Started by feraree1 on
, 11 posts
by 4 people.
Answer Snippets (Read the full thread at consumeractiongroup):
They also have to send you any copy terms the overdraft via the bank's internet....
You could have a look the auth od limit was amended i.e increased or reduced).
CCA not relevant, unless they have converted the overdraft into a loan.
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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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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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I don't often post my own issues anywhere as having been very actively antibank and anti DCA elsewhere for 3 years I worry about being ID'd.
This concerns an issue which frequently comes up on forums, but seems to have no definitive resolution:
The new...
Started by Shepherdess on
, 20 posts
by 6 people.
Answer Snippets (Read the full thread at all-about-debt):
Shep x Just wanted to say thanks for posting.
And their flexaccount overdraft:
July/August 2010 finances goes tits up
End Spetember 2010 Official default SANS their self created "unarranged overdraft" fees.
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I know I can transfer a credit card balance to a new credit card but can I do the same with an overdraft?
I am paying about £20 in overdraft charges and would like to apply with Barclay for their 0% credit card.
Already have an account (not overdrawn)...
Started by Material Girl on
, 6 posts
by 5 people.
Answer Snippets (Read the full thread at moneysavingexpert):
I have just applied....
Will Barclays let me transfer an overdraft to this card if you I do apply to a new credit card but can I do the same with an overdraft?
I am paying about £20 in overdraft.
With a reasonable credit limit.
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