Hi I was in a similar bad credit rating (not my fault, but the dreaded CSA who totally screwed my finances) so after being denied by a couple of card companies, I wrote personally to Barclaycard explaining my situation and asked for a card with just £250 credit, they were quite sympathetic and after telephoning me to clear up a few ...

Hi I have had similar experiences with different companies and I have had my money back every time. I go to my local County Court and get a (FREE OF CHARGE) set of papers to start a small claims application, in the pack there are 3 copies of the claim form and what I do is copy all the evidence and fill out one claim form and send it to the ...

Hi Sorry to rock the boat but as far as I am concerned Tiscali have delivered exceptionally for me over the past 6 years from dial-up to broadband and now Tiscali talk and broadband I download huge files mainly music and video with no problems maybe you are the 1% of customers that have a problem. 2 of my friends that are using Tiscali had ...

Hi What is your credit rating? Only bad scores use Citifinancial because usually they are more expensive because of the extra risk involved. But I would use this to your advantage as they are willing to give you a £3000 reduction on your loan if your credit is ''iffy'' I would probably take it or if you feel aggressive say to them that you ...

SH*T Just seen your post and checked my visa a/c and a very nasty company that I am paying agreed regular monthly payments to for a ''not all my fault small debt'' have taken extra payments without my consent and now it has left me with virtually nothing to live on till the end of the month when I get paid. Surely this is illegal What can I ...

Hi A penalty charge for what ? Changing no way as long as they receive at least 28 days notice from your new suppier which is done automatically by your new supplier Kevin

Hi Every ISP has many thousands of TOTALLY SATISFIED customers and it would take a crow-bar to seperate them from BT I also know many people who would not touch BT with a barge-pole because of the problems that they have, in short 99% of customers are happy with their ISP and mine happens to be Tiscali and I have been with them for 5 years with ...

Hi Spring is a long way off and the talk is just that ''talk'' go to the websites that give you a saving NOW and when spring comes and there are cheaper deals change again. It is FREE to change the only hassle is to complete the paperwork but hey if it saves money then I don`t mind a little paperwork ''ANYWAY MOST OF IT IS DONE OVER THE INTERNET ...

I know exactly what you mean ''chicken and egg'' syndrome can`t get card because of debt in past but how can you re-build trust and credit rating without a card, most people go through a sticky patch beyond their control and it is left to computers not real people to make decisions as to grant credit. After I was turned down by about 4 card ...

Hi I was in a similar position to yourself after the CSA really screwed up and virtually made me bankrupt, even though I have a letter from them saying ''sorry'' it didn`t alter the fact that I missed some credit card payments and Hey Presto ''A bad credit rating'' through no fault of my own came my way. After applying with no success from a few ...