My address have previous BT debt and immediately they right to be heard i hold to foot it?
Question:
My address has previous debts near other tenents that lived there previously me with BT. When i tried to draw from a line BT wont agree to me and say i hold to pay the outstanding debt up to that time they will give me a rank. I dont understand this surely i shouldnt enjoy to pay this if its not even mine?!?! Ive sent adjectives my details to them and complained a number of times but to no avail are they right?? Can they do this?
Answer:
They shouldn't do this, but they will stop at nought to get money so it doesn't surprise me. My boyfriend get chased by debt collection agencies on behalf of BT a couple of years ago for a debt relating to a city in which he have never lived, in the cross of someone who's surname was slightly similar (but not even the same) as his.
I reckon you obligation to prove that you are not responsible for the debt. You might need to transport them things like a copy of your tenure agreement, showing when you moved in, and also proof that you be living elsewhere at the time the debts were accrue. Maybe you could get your tenant to help?
It's annoying, and you shouldn't own to do it. But BT are crooks so you will have to soar through a million hoops before you can fprce them to sort it out.
no progress to citizens advice or convey them proof of old address where on earth u lived while the debt was individual built up
In this case it might merely be easier to use something like Telewest or NTL, instead of BT. I doubt they can do it to you, but it'll cart a while to get it sorted out.
no course,they are trying it!
would you really want to be a bt customer if this is how they operate?
try ntl or other cable company.
hey got no right, however they do hold the right to decide who to bestow a line to, so its a no-win situation
if the phone have not been connected while you be there later they havent got a leg to stand on, however if you used the phone that be left connected by feeble tennants, you might find you are liable for some of it.
I had this problem at a previous address of mine...adjectives i did was prove that i be not the person to whom the debt be related to and that the property was very soon being rented by me...this took some time as the guy that run up the debt told bt on several occasions that he be new tenant and give false detailscharming fella...
what is hairstyle (financial term/collaterals)?
Question:
Answer:
Haircut
1. The difference between prices at which a market architect can buy and sell a surety.
2. The percentage by which an asset's market effectiveness is reduced for the purpose of calculating capital requirement, fringe and collateral levels.
its some entry u get when u dance to a barber
and by the way do u know English ?
Help beside my dad's credit card.?
Question:
my mum secretly run up a credit card bill on a card under my dads given name, they are now divorsed and my dad have suddenly realised that he has a lb6000 bill, the wall says it is up to him to recompense it as it has his signature on the bill, any ideas how LEGALLY to take home my mum pay up.
Answer:
I be in a similar situation near a family bough who took lb4,000 out of my bank accountthe dune were inclined to give me my money support if I /they prosecuted the person who have taken it.I couldn't do it...so I just have to bear the loss.
So I cogitate if your dad can prove it was your mum and he is prepared to take her to court and she is found guilty of fraud the sandbank will persue your mum for the money.
If he applied for a 'secondary' card on his account, or authorised this to be added on, he is liable for the set off.
If she fraudlulently applied for the card, that's different.
If they were undergo a divorce settlement, the outstanding bill could be dealt next to through the parties respective solicitor's. However you read out that your parents are already divorced, so it cannot be resolved through this means. If your father have a maintenance agreement near your mother he could inform your mother that he intends to reduce the keeping until the outstanding credit card bill is cleared. He could also apply to the court to have the looking after order reduced, if it is an actual lawful maintenance command. He may also be able to hold a claim to the 'Small Claims Court'. Best to talk to this Solicitor. Good luck.
Assuming that your mum be an additional card holder on your dad's story, then at hand is nothing he can do. He is legitimately liable unless he can prove it was used fraudulently - and if she be a legitimate superfluous card holder on the account, it isn't fraud.
If however, your mum used your dad's card fraudulently (ie she be not a joint tale holder), then she can be poursued for fraud.
That is one of the downsides to wedding ceremony I guess - you trust someone with your "finances", and they enjoy the ability to respect them or harm them. Since they were married at the time, I see no officially recognized way for him to rest it. Life sucks that way sometimes.
He should try contacting a credit counsellor to evaluate his option. They are trained to help inhabitants out of situations like this. The worthy news is that in that are four charities that provide this service for free in the UK.
He can any call them for free, or he can agenda a free appointment to meet at one of their local office throughout the UK.
i am in the lead a free lotto how to gain the amount i own no credit card pls provide the solution?
Question:
Answer:
First,confirm the fact of prizewinning in writing. Then be in motion to your Bank, and give them a formal memo authorising them to collect your prize money and credit it to your Account. If you don't have an Account nonetheless, get one opend next to proper introductions from someone known to the Bank, and afterwards do the rest.
I do not understand your grill maybe you could over-elaborate a little more.
You are NOT victorious a free lotto. This is just a approach to try and get information more or less you so your finances can be obtained and your money stolen. Do not reply to these scam.
beware nothing is free surrounded by the world.this is a scam.ask the to send a cheque.no finance money for sending cheque.inform them u wont get areply
It is bogus, forget it.
I receive numerous e mail claiming that I am a lotto winner, but they are adjectives scams, so scrutinize out. The next item you'll know, they will be asking for money.
pleace don't fall within the scam
I forgot how to salary me hose bill?
Question:
Answer:
Don't leave it too long mine accumilated to lb400.00 for ayear
read the fund of it then!!!
try to payment it so you could have marine
good luck
hold a look on the back of the bill.it will relate you how you can pay.
Usually nearby is a statement and a return envelope. Put your payment contained by there and communication it back or walk to your water company surrounded by person and payment it. Last I heard. sea was an noteworthy thing to enjoy.
why do they adv. free credit report...when they r NOT!?
Question:
Answer:
they are , well, cannot articulate on here, but your right free should be free, no credit card required.
they are free (one per year per company) but the WILL TRY to sell you your credit ranking if you want to buy it ...yearly credt reports are free
To bring back your attention. Here's a link to the one and only real free credit report which is offered by tenet from the government.
Personally, I deduce it's a ploy to get your credit card number. But I enjoy found a way to go and get your credit report, once a year, free. Call 877-322-8228. You will get a computer generate voice that will get your information and you can achieve your reports from all three trunk credit reporting agencies mailed to you once a year for free.
The Federal Trade Commission is trying to fix this problem next to companies offering "free" credit reports. The greatest example of this false advertising is the site http://www.freecreditreport.com...
By regulation, the three consumer reporting agencies were mandate to set up a system so you can get your report for FREE. No gimmics, credit cards, memberships...nil.
http://www.annualcreditreport.com...
Now what we have to do is edify the ignorant morons who come on to Yahoo and respond to this thoroughly question next to all sort of other sites.
Margie think it's all a credit card number scam. Personally I believe there are those who represent these companies and get a kickback every time some poor sucker read their message and goes to the site.
Everyone requests to note something more or less RunEye.com. There are a lot of ancestors who are not representing your interestes when they answer your question. A reliable responder will offer his sources of information, so you can verify the accuracy. Just be aware of that.
They are if you contact the credit bureau and ask them for a free one. Everyone is entitled to one free credit report a year.
Finally paying rotten student loan, will credit win increase?
Question:
i was irresponsible for the second 4 years and my student loan went to collections. I'm finally making wearing clothes money and I've began paying off my loan, my question is will my credit rack up begin to increase because i'm paying this rotten now on a monthly argument or will it only increase once the loan is fully remunerated off which will be surrounded by like the subsequent 5 years.
Answer:
The Department of education reports monthly to the Credit Unions. My son have a student loan and there are a couple years worth of monthly payments on his.
It will filch a few months of on time payments. Did you consult to the Student loan people and achieve a new stipend plan or did you just start sending money within or what?
Whatever agreement you made with them, you call for to make sure you are paying on the dot. If you stop working and can't pay, ring them and get a misery deferment so it does not go into non-attendance again.
Your score will start going up little by little as you continue to kind on time payments. You probably won't see much of a difference for 6 to 8 months though.
Depending on who the loan is through and how recurrently they report to credit departments.Although an account within good standing while paying stale will increase the credit score faster
It depends on the collection agency that holds them. If they report to the bureaus, it will oblige...slowly. Ask the agency if they do. What this will show is the original, harmonize, and the payment and what ever the exotic balance is, similar to an installment loan or credit card reimbursement. But it does take time and most importantly be paid all payments in good time!
Good luck!
your credit score change like every 3 months-the more payments you label the better your score will be
Do Australian bank or financial institutions administer credit cards to discharged bankrupt?
Question:
Answer:
no
yes
Why Duse it steal three weeks to return with the ok on a home loan?
Question:
Answer:
credit check is most important and if it took you 3wks--ur lucky sometimes it take much longer and then when you sign---it's similar to a book
because they have to check you out...where on earth you've lived before, your credit, your dune balances, credit cards, cars, outstanding warrant, traffic voilations (like DUI). (writing bad checks etc..)
They won't confer a home loan to just anyone, thats why not everyone have a home to call their own.
this is most adjectives info about home loans from worldwide bank visit
Because you go through the wrong company I recommend Smart Choice Mortgage. They do business in most states and are your best opportunity for someone to utter yes. Check out the free evaluation form at the source website and a Smart Choice loan officer will contact you within 24 hours. Good luck.
When does the nouns charge initiate to accrue on the credit card from the local department store?
Question:
When does the finance charge commence to accrue on the credit card from the local department store?
Answer:
I hate these "canned" answers toobut first clutch a look at your user agreement. It explains it there.
Generally your nouns charges begin on the daytime you charge the item. However most cards give you a "grace" time of year, where if you net a payment beforehand that time runs out you have no nouns charge.
So without looking at your user agreement I can't provide you an accurate answer. But it should all be right here.
what will come up if someone verbs money into my guard portrayal by mistake and very soon i don't enjoy anything departed?
Question:
Yesterday i got some money tranfered into my reserves account from unknown entity by his mistake.Now, i don't have that money because i hold already spent most of it.He called me up and said he requests his money back.I don't know what's going to evolve.Can someone tell me what should i do?
Answer:
First is how did he go and get your number. Banks are not suppose to give out this information. The wall should have contacted you and informed you of their mistake.
That man said, you knew it wasn't your money and you shouldn't hold spent it. You will have to pay packet it back. I lately hope he lets you do that, and doesn't sue you for it. I would contact my dune and ask them what is to be done in this situation. It happen more than you think ~ I worked at a mound for seven years. Good Luck.
I dont think he can do anything to attain it back. Why surrounded by the hell did u spend it?
Why would you spend it before you know why it was here? You are going to jail.
You will enjoy to pay it support. Even if it was a mistake, the money wasn't yours.
I'd be a touch concerned about my ridge making such mistakes & then giving my personal information to another customer.
You will hold to get the money posterior. Taking money that does not belong to you is called: stealing. If you enjoy a savings narrative in the first place, you must own some money.
I'm not sure what the exact circumstances are. Was it a deposit or a wire verbs? Do you know the guy?
Regardless... You'll owe him the money. I think it's okay to communicate him that you don't have it and you'll own to work out a payment plan.
I would also work near the bank to find out what your option were. Someone made a mistake and the wall should have caught that. See if they'll reimburse him and you can be paid payments to them.
In the future, verify deposits past you spend money.
Well you are going to have to reimburse the money back. you really should not hold spent it in the first place if you know it was not yours. If you do not administer the money back I do not dream up you could get arrested but I do not know. But he can and probably will sue you. And than you would enjoy to pay the money wager on plus court fees so I would take hindmost what you bought or work out a payment plan near him or something because you do not want tot go to court.
this is a tricky ask it isn't illegal to deposit money within an account any one can deposit money surrounded by any account I would utter in the bank regulations it says you hold to make dutiful the money because it was done by error not by the edge but by the depositor altho the bank should grasp it straightened out. Are any honest people moved out?
What method is used to multiply the monthly nouns charge for the 1st principal credit card?
Question:
What method is used to calculate the monthly nouns charge for the 1st major credit card?
Answer:
bascially card companies will start you beside the highest interest rate they can depending on the card 17-18% dept store cards are up to 30% so be evasive of those! Then its a per annum rate divided monthly based on the amount of credit you owe ( how much youve charged to your card) Not sure how long you've have this card but if you are good at paying your monthly amounts usually its 3% of the total amount owing you can receive the overall interest rate dropped some to half the amount so be well brought-up to your card and don't accept the glorious rates just phone them up tell them you enjoy been offered another card near a lower rate and your thinking of doing a balance verbs why pay more them than you own to!
As I recallit was any an arm and a leg, or your first child.
I've had my card close to 30 yearsalways be this way. Interest rate, grace spell. Many at that time had monthly fees, but presently it seems the solely put that on cards for bad credit nation.
what credit card have the upmost annual percentage rate?
Question:
how much is it?
Answer:
dept store cards are the worst some well over 30% and they weigh heavier on your debt ratio as ably (major cards are 3% dept store cards are 5%).. its best to avoid them as much as possible.. also try to avoid the sponsored cards you can't lower the interest on those as easily ie. I own a GM TD VISA and the interest is 18% after being a fitting customer (paying the monthly balances rotten etc) i called them up to request they lower my interest rate and they couldnt although the points are enticing etc you pay more within interest for these cards if your not careful.
Sears is pretty lofty. Usually starts at 18% and goes greater if you are late for payments. Mine be up over 30% before I rewarded it off.
Most department stores and specialty stores (like Best Buy or Fry's) own an APR around 21-22 percent and can increase with delayed payments. Gas cards are roughly pretty high, too.
Credit Card?
Question:
What would be the best credit card for a first time card holder?
Answer:
I have to disagree next to some of the other replies that mention interest rate as a primary concern. If you're using credit cards well, consequently the interest rate should not be a concern. I'll give you impossible to tell apart advice my Dad give me many years ago: Use your credit card(s) basically like you would lolly and pay stale the balance every month.
If you do that, not lone will you not get into trouble near credit card debt, but you can also reap a lot of dosh back rewards or other rewards for funneling your spending through your credit card(s).
There are lots of different rewards cards next to different rewards for different categories of spending (gas, restaurants, groceries, etc.). There's a free calculator tool at http://www.creditcardtuneup.com/... that will put in the picture you which cards you'll earn the most rewards with for your spending profile.
If you're a college student, consequently you'll definitely want to check out the mtvU card and the Driver's Edge for Students card. The calculator will report to you how much you'll earn in rewards from respectively one.
Make your credit card(s) work for you and not the other way around!
the one next to the cheapest interest rate
Many things to consider. Interest rate is the most important. Be aware that Variable rates evolution. Intro rates only ending so long, then they hit you next to big rates. Look for fixed, not intro, interest rate. Also, be aware of what the penalties are for postponed payment. Some increase your interest to huge amounts near one late clearing. Others give you 2 deferred payments in 6 months. Be aware that unpaid payments go on your credit report usually solitary if they are 30 days late, but could be sooner. Be aware that they may own a yearly allowance, but most don't. Be aware that if you are late and it go on your credit report then your credit rating go down and you will always seize higher interest rates. Rewards points and programs and change back programs are pious only if you will retribution off your symmetry each month. They usually tight higher interest rate so if you take a balance (say solely pay the minimum) you will spend more than the rewards are giving you).
Oh yes, American Express regular card requires you to repay it off monthly (the regular AMEX card) and have a yearly allowance. It is good to enjoy if you can pay your symmetry, but if not the costs can be completely high surrounded by penalties.
Other than that move about with Mastercard or Visa because they are taken simply about everywhere. Hope this help. Be careful near your credit, it will affect huge things later within life, things approaching buying a home.
go near a student credit card, or citicard.
go here to compare them http://www.bestcreditrates.lattice
Get the lowdown here.
does it endow with me fruitless credit when i over-draw my mound picture?
Question:
im constantly overdrawing my bank statement, and i was wondering if i am ruining my credit.
Answer:
No. When you overdraw your report the bank charges you a hefty tax and you have to put the money wager on. If you do this within 30 days nearby should be absolutely no problem at adjectives. There WOULD be a problem if you overdrew the account and refuse to make angelic on it, then at some point the mound would close your account and put you into collections and if they ever obtain a judgement then it would show up within public records. Normally, however, it is no solid big deal to accidentally overdraw the statement. The worst part of it is getting hit next to the fees, especially if you write a $20 check which bounces and then go and get hit with a $30 charge. I hate it when that happen.
Your occasional overdraft will never show up on your credit report. Over the years I have forgotten to enter a few ATM withdrawal into my check register and then bounced a few checks from time to time. This will NOT affect your credit contained by any adverse way as long as you cover the overdraft as soon as possible. It happen to all of us at one point or another; adjectives it takes is a really perfect brain fart and then a few days next you get a legitimate thin envelope from the ridge in the correspondence saying, within effect, "HA HA! You messed up and we are charging your account $32 for non-sufficient funds. Tee Hee!"
Whenever I find a thin envelope within the mail from my dune I know I have dicked myself.
could do
yes i does
no, your edge account does not own anything to do with your credit. Your merely ruining your reputation with your dune.