http://www.moneysupermarket.com/community/forums/ask-the-expert-72.aspxenCommunityServer 2.1 (Debug Build: 0.2)http://www.moneysupermarket.com/community/forums/t/credit-rating-issues-36044.aspxWed, 17 Jun 2009 13:47:55 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:154027Marcus102http://www.moneysupermarket.com/community/forums/t/credit-rating-issues-36044.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=72&PostID=154027 I already have 2 current accounts (1 is over 10 years old and the other is 2 years old) and a mobile phone account which is over 4 years old, all have good payment historys, no late or missed payments, also im currently disputing a defaulted mobile phone contract that i discovered on my credit file which is nearly 4 years old, I want to get an Nationwide Flex current account to take advantage of and the no fee when spending abroad feature, also in the near future id like to apply for car insurance and maybe another mobile phone contract. Ive been reading that having too many credit accounts is not good for your credit rating, I was wondering if I do get the Nationwide account should I close my Abbey account (I do use from time to time) and also will all these accounts affect my ability to get car insurance and another mobile phone? Also do companies like Sky, BT and BG appear on your credit file, if they do does having so many creditors lower your rating? Also are current accounts generally the easiest forms of current account to get and do Identity searches for savings accounts adversely affect your rating when another companies see its been done recently? Any answers will be greatly appreciated, Cheers Marcus http://www.moneysupermarket.com/community/forums/t/credit-rating-qs-36045.aspxWed, 17 Jun 2009 13:51:34 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:154028Marcus101http://www.moneysupermarket.com/community/forums/t/credit-rating-qs-36045.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=72&PostID=154028 I already have 2 current accounts (1 is over 10 years old and the other is 2 years old) and a mobile phone account which is over 4 years old, all have good payment historys, no late or missed payments, also im currently disputing a defaulted mobile phone contract that i discovered on my credit file which is nearly 4 years old, I want to get an Nationwide Flex current account to take advantage of and the no fee when spending abroad feature, also in the near future id like to apply for car insurance and maybe another mobile phone contract. Ive been reading that having too many credit accounts is not good for your credit rating, I was wondering if I do get the Nationwide account should I close my Abbey account (I do use from time to time) and also will all these accounts affect my ability to get car insurance and another mobile phone? Also do companies like Sky, BT and BG appear on your credit file, if they do does having so many creditors lower your rating? Also are current accounts generally the easiest forms of current account to get and do Identity searches for savings accounts adversely affect your rating when another companies see its been done recently? Any answers will be greatly appreciated, Cheers Marcus http://www.moneysupermarket.com/community/forums/t/advertising-my-new-business-35577.aspxTue, 02 Jun 2009 09:40:00 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:152379dog listener1http://www.moneysupermarket.com/community/forums/t/advertising-my-new-business-35577.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=72&PostID=152379 Hello I am starting my own business as a Dog Listener (dog behavioural problems). I advertise on Google with dotcomchrome.com which costs £125 per month and also yell.com which is £525 annually. In addition, I have busines cards which are in pet shops, etc. For the first month my advert with chrome was at the top of the first page which generated business but I am now further down the page on the sponsored links side and the phone has not rung for 2 weeks now, and it is the second month of advertising with them which I do appreciate is early days. As I am very new to advertising and have not done this before, can you please point me in the right direction on how to get my business promoted and the best way to advertise myself. Thank you for your help Christine Edwards http://www.moneysupermarket.com/community/forums/t/help-and-guidance-needed-please-27222.aspxFri, 31 Oct 2008 00:58:06 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:117658Kezi18093http://www.moneysupermarket.com/community/forums/t/help-and-guidance-needed-please-27222.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=72&PostID=117658 Hi everyone, I put a post on here a couple of days ago with the heading is an iva best option for me.I had 1 response advising me to go to the CAB which I have done and i am more confused than ever. Heres a bit about my situation when the floods happen last year me and my husband were financially effected which resulted in us unable to pay most of our debts including mortgages, we had just had a new baby and was in the middle of an extension being built which was obviously put on hold during this time. After a couple of months my husbands wages picked up and i made offers to creditors to pay back the arrears occured during this time, but because all creditors were affected, they all wanted their arrears paying up more or less at once some were pleasant and some were real a**es. As a result i couldn't play catch up. Now we are in the position where my car has been repossessed by a high court enforcer and the finance company requested a charging order to be applied which was dismissed by the courts last week, as the payment i was offering was satifactory and there is no equity in our property. Also we are due in court on the 19th november for a suspended possession order to be placed on the property. Most of our debts are with collectors and they are mainly store cards and catalogues.When reading through the forums I don't think an IVA is the best option but to deal with the bullies head on because if we were to get shut of the catalogue and card debts we would be more comfortable financially and should not occur any further mortgage problems. Please can someone tell me i am right it my way of thinking and put any suggestions forward on dealing with collectors in a professional manner. Many Many Thanks for taking the time to read this guys. http://www.moneysupermarket.com/community/forums/t/direct-debit-35030.aspxThu, 14 May 2009 17:16:52 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:150198peewee594http://www.moneysupermarket.com/community/forums/t/direct-debit-35030.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=72&PostID=150198 i really need some help here, i have been informed by a debt coll agency that because i have let my d.d. lapse i should make an offer and then if accepted it would be better for me if i set another direct debit up by using my debit card i am completely thick with regards to banking and anything to do with finances but i have NEVER heard of this before and am worried he may be tricking me into locking myself into something i will be unable to get out of or even taking more money from me than needs be, please is there anyone out there that can help me, i am pulling my hair out here and i HAVE to phone him tomorrow, to let him know about my incomings and outgoings, i am disabled and have not worked since 2000 since the start of heart trouble, so there is no chance of getting more finances from anywhere plus i am nearly 60 so even if i were fit i am well over the hill in the job prospects but i do feel like i am being bullied even tho this guy spoke nicely top me and apologised for the way a female colleague spoke to me 2 weeks ago, not trying to offer me help and just telling me i should get it sorted out and it was my problem and she didnt have to do anything to help me, i did tell her how thick i am regarding money and that i didn't have the first idea as to how about getting help on my side, all i got was '' tough '' so please i would appreciate any help that may be offered, regards - peewee59 http://www.moneysupermarket.com/community/forums/t/loan-versus-balance-transfer-33732.aspxTue, 07 Apr 2009 00:14:43 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:145148eboney1http://www.moneysupermarket.com/community/forums/t/loan-versus-balance-transfer-33732.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=72&PostID=145148 i have a loan with nationwide which I topped up over the years and the outstanding balance to settle in full is £6,726 . I got rid of PPI and my fixed repayment is £208.34 a month. I have to pay this up to 6 years to settle by then the year will be 2013 by that time I would have paid more than I owe due to interest which would make it £15,048.00. which is bludey ridiculous. I want to pay off the loan quick within 2 years. I looked at a various loans on compare websites and if I borrowed £7000 for 24 months (2 years) to pay off the loan then I'd only have to pay an extra £112 per month on top of what I'm paying now so total repayment would be £7,695.36. excluding PPI and Insurance cover. A friend had advised me to get a virgin credit card balance transfer at 0% interest 15 months but not sure about this as read a few reviews on Virgin Card and customers were not happy with the service as some had said that you get charged high fees if money is paid late into account and they change days when to withdraw the money, so not sure about this. SO I was wondering whether I should get another loan to pay this balance of £6,726 in 2 years as I can afford to pay more per month than the current loan I have. or opt for credit card 0% interest at 15 months. Any comments would be appreciated. Thankyou http://www.moneysupermarket.com/community/forums/t/icesave-reinvestment-32598.aspxSat, 07 Mar 2009 18:35:14 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:141382Helen990http://www.moneysupermarket.com/community/forums/t/icesave-reinvestment-32598.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=72&PostID=141382Apologies if this has already been answered but... I opened an Alliance and Leicester Easy ISA account for some of my Icesave money and was told by them that I would be able to split my Icesave money between different ISA accounts. I sent my certificate with my first deposit at the beginning of January and then heard nothing. I phoned several times in January and Feb as I needed proof that the remainder of the money was ISA protected. They are investigating what has happened but say it will take weeks and may go past the deadline in April. Now I think that I should have put all the money into one new ISA and that their advice was wrong. Any advice or similar experience?http://www.moneysupermarket.com/community/forums/t/0845-calls-no-more-than-5p-a-min-3409.aspxThu, 08 Mar 2007 23:47:05 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:12932absentfriends33http://www.moneysupermarket.com/community/forums/t/0845-calls-no-more-than-5p-a-min-3409.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=72&PostID=12932Nowadays the vast majority of companies have customer service lines open to extend outside peak times. Therefore I think I am correct in saying that many of us can call 'geographic numbers' (01, 02 etc) for up to 60 mins or 70 mins 'free'. I know that 'moneysavingexpert' has waged a long standing war against 0845 numbers and others. If you agree with me that, on the face of it, 0845 is a cheek does anyone have any ideas on how 'we' could protest effectively? OR If I have missed something like 0845 is an indirect charge to the customer which would simply be slapped on somewhere else, please tell me. And finally, I have purposely left all other numbers out of this post and particularly '0870' because that is expensive and known to be so, so that is another post. I appreciate that people like to 'get off the point' and that is 'custom and practice' BUT I would like to request that no other numbers like 0870 are brought into getting off the point. Thank you, franc. http://www.moneysupermarket.com/community/forums/t/capital-gains-tax-30425.aspxTue, 20 Jan 2009 14:22:38 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:134426justbusiness1http://www.moneysupermarket.com/community/forums/t/capital-gains-tax-30425.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=72&PostID=134426 Just a quick thread to see if someone could shine some light on what seems to be a complicated area. My parents have their own house for sale, but also want to sell the house they inherited from my grandmother. They inherited her house around 2002 and since then rented it out to a family member for a nominal amount. However they have spent considerable amounts updating the property to its current high standard. As things stand I understand that if they sell both properties Capital Gains Tax will be due on the property that is not their main residence. However if they sold their house and moved into the second house is there a timescale they would need to be at the address before it is classed as their main residence or if they sell each house in a different tax year ( april to april) would this suffice? I know we will need to get expert advice but I just thought I would get a few opinions first Thanks for your time in advance. http://www.moneysupermarket.com/community/forums/t/lost-life-insurance-policy-document-29556.aspxTue, 30 Dec 2008 23:23:24 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:131220mistyblu4http://www.moneysupermarket.com/community/forums/t/lost-life-insurance-policy-document-29556.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=72&PostID=131220 Hi, I took out a joint life insurance policy for myself and my husband and had been paying the premiums till his death recently. I have put in the claim to the life insurance company and they are requesting I return the original policy document which I cannot ever remember receiving and did not think about until now. Obviously I cannot find it! Without this they say I need to take out a lost life policy indemnity and that this could cost a few thousand pounds due to the sum insured. We did not have this attached to a house or anything else and was just a life insurance policy not endowment or other. I am not sure what this is and why I need to pay for a policy to indemnify the insurance company when I have all the other details and can prove that I am the beneficiary of the policy which I need to do anyway. Surely an afadavit should be sufficient.! He did not leave a will and iIhave put in the probate forms which I also need in order to submit this indemnity policy request. Please can you advise on this subject. Any information/suggestions/advice would be gratefully received. Thanks http://www.moneysupermarket.com/community/forums/t/savings-what-now-29871.aspxThu, 08 Jan 2009 18:02:55 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:132273piper1http://www.moneysupermarket.com/community/forums/t/savings-what-now-29871.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=72&PostID=132273 HI I have a Cash ISA with Yorkshire BS. I have been told this is a 'cash isa privilege' and gives 3.5% (net), I don't understand APR. If this interest rate is correct I'm quite happy to leave it there, but is this correct? and if not is there a better option? Why can I not find any reference to 'privilege' account in newspaper or internet? My accessible savings (without penalty) is an esaver with Prinicipality BS. I find the ability to transfer money out, and more importantly into this account from my bank very easy. There is no penalty to withdraw which also suits me. With the interest rates as they are, is there a better interest rate (2.4%) around with an esaver account that has no penalty for withdrawals. I have contemplated opening up a few e accounts in order to move my savings around when an interest rate suits. I don't want any risk at all. Hope you can help. http://www.moneysupermarket.com/community/forums/t/crown-currency-exchange-29811.aspxWed, 07 Jan 2009 15:43:07 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:132030trevstrips2http://www.moneysupermarket.com/community/forums/t/crown-currency-exchange-29811.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=72&PostID=132030 Dear Expert We are travelling to Europe in March. I found the company crown currency exchange on this site, they offer the best rate for euros at 1.10 euro to the pound for prepurchasing currency at this early stage. If we pay by credit card, will the transaction be protected by the credit card company in the event of the company's insolvency or none deliverance of the money? Many thanks kind regards trev http://www.moneysupermarket.com/community/forums/t/mortgage-for-pre-caset-concrete-house-29751.aspxTue, 06 Jan 2009 12:31:36 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:131831confused.com!0http://www.moneysupermarket.com/community/forums/t/mortgage-for-pre-caset-concrete-house-29751.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=72&PostID=131831 HI I am trying to find someone other that the Halifax who will lend on a pre cast concrete house. Any Ideas? Thanks http://www.moneysupermarket.com/community/forums/t/making-a-european-investment-when-is-the-best-tim-29749.aspxTue, 06 Jan 2009 12:23:56 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:131829dorothy 1130http://www.moneysupermarket.com/community/forums/t/making-a-european-investment-when-is-the-best-tim-29749.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=72&PostID=131829I am considering making an investment in Spain but am currently seeing the cost of my investment rise steeply as the value of sterling plummets. Do you have any predictions for how the sterling will be valued against the euro in the coming weeks and months? Or do you know where I could look for advice? If I wanted to transfer a large sum of pounds into euros now, before I am ready to make the investment, do you know how I go about this? Is it possible to set up a European bank account so I can hold my money in Euros? http://www.moneysupermarket.com/community/forums/t/multiple-car-insurance-29657.aspxSat, 03 Jan 2009 20:51:30 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:131533kab1http://www.moneysupermarket.com/community/forums/t/multiple-car-insurance-29657.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=72&PostID=131533 I have 3 vehicles and they are all coming up to renewal time (all on the same day) Are there any companies who will cover all 3 vehicles on the same policy or do I have to insure seperately? I have 9 years no claims on 1 of the vehicles,6 on another and 2 or 3 on the last. Thanks. http://www.moneysupermarket.com/community/forums/t/do-you-have-to-repay-a-loan-you-bought-to-buy-a-b-29548.aspxTue, 30 Dec 2008 17:55:53 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:131154MRS BEAR2http://www.moneysupermarket.com/community/forums/t/do-you-have-to-repay-a-loan-you-bought-to-buy-a-b-29548.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=72&PostID=131154 Hi a year ago I got a loan with the TSB, a personal loan not a business one - its unsecured. It was for £25,000 - i used £10,000 to buy my business i remember mentioning this when i discussed the loan with my bank. I have just put my business up for sale, its just not making the money i expected it to..it may not even sell.. however my accountant has thrown a spanner in the works by saying that the bank could ask me to repay them the amount i borrowed when i sell the business???? Could this be right even though it wasn't a business loan?? The money we get from the business would tide us over until i get a full time job and help to pay off small debts it would be ideal - please dont tell me the bank will want it straight back??????? thanks http://www.moneysupermarket.com/community/forums/t/cancelling-new-car-agreement-29549.aspxTue, 30 Dec 2008 18:42:46 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:131163piko4http://www.moneysupermarket.com/community/forums/t/cancelling-new-car-agreement-29549.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=72&PostID=131163I recently went to a honda dealership and after hours of persuation, signed for the agreement of deposit and trade in of old car. im due to sign all of the paperwork for the car and finance tomorrow. i may add i have no keys, signed no logbook, just signed for the trade in and 300 pound deposit. i have now changed my mind and do not want to buy the car. can anybody tell me if i am within my rights to cancel still?http://www.moneysupermarket.com/community/forums/t/buying-euros-29425.aspxWed, 24 Dec 2008 13:17:11 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:130738TAFFNCLAIRE1http://www.moneysupermarket.com/community/forums/t/buying-euros-29425.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=72&PostID=130738 I am due to go to Germany for a few days next week to visit some relatives. I am concious that the Euro against the pound is very weak at moment. I was wondering whether anyone would know the best way of getting around this. Would i be better off transferring money to my relatives German bank account and then withdraw money there? Any advice would be gratefully appreciated. http://www.moneysupermarket.com/community/forums/t/renegotiating-a-fixed-rate-deal-28915.aspxMon, 08 Dec 2008 23:51:12 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:128560RCUBE2http://www.moneysupermarket.com/community/forums/t/renegotiating-a-fixed-rate-deal-28915.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=72&PostID=128560 I have a 3 YR fixed rate deal at 6.64% with a 5 % redemption fee, took out 6 months ago for a BTL. What are the chances of re-negotiating a better deal with the lender. The Lender is now public owned? http://www.moneysupermarket.com/community/forums/t/catalogue-debt-29225.aspxWed, 17 Dec 2008 07:26:08 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:129890romanford2http://www.moneysupermarket.com/community/forums/t/catalogue-debt-29225.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=72&PostID=129890hi everyone... ive been reading recent posts about catalogue debt and was wondering if someone could put the original letter on for catalogues to prove cca. my husband changed jobs 6 weeks ago and the job he has now is minimum wage so we are down £300 a month and its very hard.He's with an agency at the moment and if he proves his worth the company will take him on in 6 months and then we will be better off by £2.00 an hour. Thanx in advance for any help.http://www.moneysupermarket.com/community/forums/t/hbos-shareholder-account-open-offer-application-f-29145.aspxMon, 15 Dec 2008 15:16:38 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:129562Marcus103http://www.moneysupermarket.com/community/forums/t/hbos-shareholder-account-open-offer-application-f-29145.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=72&PostID=129562 I received a letter from HBOS this morning, with a HBOS shareholder account open offer application form enclosed, but this be honest I dont know what to do with it. Ive read the form but I dont know whether its a good idea to send the form back with in the free self addresses envelope. "Open offer by HBOS plc to qualifying shareholders to apply for £1.3839 open offer shares for every one Existing HBOS shares at 113.6 pence per Open Share Offer [ayable in full on application by no later than 11am on 9 January 2009". I just cant work out what id be signing up too, ive got 189 ordinary shares, Number of open offer options comprising my open offer entitlement is 261 and it says the amount i must payfor the 113.6 pence per open offer share if i apply for my full entitlement is £296.49. Can anyone give me a brief break down about what this is about and is it actually worth me buying these open offer shares, because all this is quite confusing and i wouldnt want to miss out on a bargain and i wouldnt wanna lose any more money, as ive lost over £2,200 in the last 3 or 4 months on stocks and shares. Any help would be much appreciated, Kind Regards, Marcus http://www.moneysupermarket.com/community/forums/t/probate-valuation-query-28821.aspxSat, 06 Dec 2008 17:25:18 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:128170David335http://www.moneysupermarket.com/community/forums/t/probate-valuation-query-28821.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=72&PostID=128170 I’m in the process of applying for probate on my dad’s (who died recently) estate. Specifically filling in HM Revenue and Customs form “Return of Estate Information”. I have just found that I need to provide a valuation of the house and contents, even though everything was in joint names with my mum who survives him and will continue to live in the house. Does anyone have any tips on how I go about this as I have NO idea of the value of the house OR the contents, which include some valuable antiques and pictures. ALSO, as no Inheritance tax will be due, why do I have to provide this information now, AND could HM Revenue & Customs insist on a professional valuation? Any help with this situation would be hugely appreciated. Thanks in anticipation and advance! http://www.moneysupermarket.com/community/forums/t/transfer-of-mortgage-into-sole-name-29037.aspxThu, 11 Dec 2008 17:53:06 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:129046H19711http://www.moneysupermarket.com/community/forums/t/transfer-of-mortgage-into-sole-name-29037.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=72&PostID=129046 I am going through a divorce and within the settlement, it has been agreed that the house and outstanding amount owed £90,000 be put in my name. We have a Cheltenham and Gloucester SVR mortgage currently 4%. I have spoken to the lender who says it is no longer possible to transfer and that I need to take out a new mortgage. Why is this so? I only want to remain on existing terms but in sole name?! Seems they want me to take out a new product - new product fee, and tracker or fixed as they no longer offer SVRs. This doesn't seem fair. I agree that I need to prove I can meet repayments etc. but why are they allowed to refuse to remove a name these days. Many thanks http://www.moneysupermarket.com/community/forums/t/got-no-credit-and-cant-get-no-credit-29040.aspxThu, 11 Dec 2008 19:14:30 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:129055yummy_mummy081http://www.moneysupermarket.com/community/forums/t/got-no-credit-and-cant-get-no-credit-29040.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=72&PostID=129055 This is really stressin me out!! Im 20 years old and have lived in the UK all my life. I am due to have a baby in Febuary and need a loan for a car. Yes i understand were in the credit and noone wants to lend but Gosh! I have been told over and over i have No credit history, so not bad or good history, just none at all!! I have two phone contracts on two different phone networks and have done for over two years now, im great with payments so dont understand why i have no credit, surely if you can be accepted or declined for a phone contract this should count towards my credit score. I also had a company phone me and say they think im being declined because im not on the electors role, to later find out that i am so why has NOONE got me showing on their system What can i do to get credit?! Its like they want you to take out a credit card and get yourself in debt cus they will sure show on your history!! bad credits fine, as long as your showing.I kno people who have terrible credit but get accepted for loans and store cards all the time and people like me, good payer, reliable but dont get a chance Help!!! http://www.moneysupermarket.com/community/forums/t/the-aa-1-year-trigger-guaranteed-equity-bond-issu-28896.aspxMon, 08 Dec 2008 18:44:15 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:128491MikeeP0http://www.moneysupermarket.com/community/forums/t/the-aa-1-year-trigger-guaranteed-equity-bond-issu-28896.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=72&PostID=128491 The information on there web site states the following, The term runs for one year from the end of the offer period (31 January 2009) until the maturity date (29 January 2010). As long as the average of the FTSE 100 Index hasn't fallen between the initial and maturity index readings over the one-year term, you will earn 8.25% gross/AER fixed return on your investment. What are the feelings on this one and will the FTSE 100 fall in this period. http://www.theaa.com/savings/1-year-trigger-Guaranteed-Equity-Bond.html