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0% Balance Transfers | February 10

0% balance transfer best buy guide

0% balance transfer credit cards are the 'debt managers' of the credit card world.

Here we guide you through the current best options for getting on top of your credit card debt.

Find out the best 0% balance transfer options here »

0% Purchases | February 10

0% purchase credit card best buy guide

Looking to spread the cost of Christmas and the New Year?

Get your finances and shopping lists in order and enjoy zero interest rates until next year with up to 9 months at 0%.

Find out who offers the longest 0% purchase deal in our best buy guide »


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Thursday, 4 February 2010

Credit Cards Drive New Borrowing Growth

Emily Gorton explores the most recent increase in borrowing driven by new credit card applications.

Wednesday, 27 January 2010

Think Twice Before Going Pre-Paid, Government Warns

A government department has warned that consumers who have their benefits paid onto pre-paid cards could lose out if they aren't aware of the charges involved.

Wednesday, 20 January 2010

Shop Around to Save on Credit Cards

A leading financial analyst has warned that the current trend for banks to shower their existing customers with offers is not necessarily in the customer's best interests.

Thursday, 14 January 2010

Balance Transfers to Surge in New Year

Emily Gorton examines a new study which claims that that 10% of the population will redistribute their debt in early 2010.


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PayPal paid me back but NatWest refuse to close the case - who's right?

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I bought a caravan on E-bay for £3,500 in early September but it never arrived. I raised the problem with Natwest - the provider of the credit card that I used to pay - but they told us we'd need to apply under section 75 under "item not as described". That was fine with us because the item was wrongly described anyway but in the end the seller agreed to settle the problem through PayPal and we were refunded the money on the 4th of November.

However, now Natwest won't close the case and are saying that the seller's bank must get until 15th February to dispute the case. I don't see how this can be the case as the merchant was Paypal and they have refunded and closed the dispute. As I see it, Natwest are trying to time me out and charge the £3,500 back to me on the 15th of February - what should I do?

Alex, London


Staff Writer
22 December 2009

NatWest are not entitled to stall the process by waiting for the seller's bank to enter the dispute since PayPal have closed the matter already. Section 75 does not cover payment through third parties; the law says that the credit card provider and the supplier must have a direct relationship. Since PayPal has been used for the payment, NatWest have no direct relationship with the seller or the seller's bank. Therefore, the dispute should stop at PayPal and NatWest do not need to take into account what the seller's bank decide to do as they are powerless in the situation.

If NatWest continue to dispute this, you can take the case to a financial ombudsmen, for free, who will resolve the matter and may even give you compensation for the distress caused. Read our full answer »

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