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Business Credit Report Corrections Is something not right on your business credit report? Did you know? Can you pay off your credit card with another credit card? Are you getting the most out of your credit card rewards? Formed in , Oakbrook has brought together people with deep expertise in consumer lending, advanced analytics and forward-thinking technologists, with a shared belief that there is a better way to do consumer lending — by being more personalised and customer focused. Our FCA regulated and consumer lending businesses are a leading partner to the aggregator market for consumer loans.
Solving the borrowing needs of consumers, and connecting investors and funders seeking to finance consumer assets within their targeted risk-reward parameters. We have a longstanding history of predictable performance for warehouse investors for our on-balance sheet lending, and forward flow lending options for investors and funders seeking to finance consumer assets without specialist consumer credit capabilities.
Any residual Interest calculated on the Account, but not shown on the latest Statement, will be shown on the following Statement and be payable by the due date shown on that Statement.
We will not charge Interest on Standard Purchases shown on your Statement if you pay off the whole Outstanding Balance shown on that Statement, and on the Statement before, by the payment due date.
Interest will not accrue on any credit balance on the Account. You may request immediate repayment of any credit balance on the Account. Trailing interest also known as residual interest is the amount of interest that accrues between when you pay off your credit card bill and when the payment is received.
Trailing interest only applies to Cash Advances and Balance Transfers, as interest for these types of transactions is calculated daily. The interest rate APR for this is listed in your Agreement. A Balance Transfer is when you transfer the balance of a card provided by another lender, to your card with us.
You would have been made aware of the interest rate APR for this transaction when it was made, it is also listed in your Agreement. If you pay the full statement balance on time with a debit card , it can take working days to clear to your Account. For example if you pay off your full statement balance on the Monday 1st, the payment may not clear onto your account until Friday 5th.
During these days you will be charged interest on any Cash Advances or Balance Transfers that make up your Account balance. If you pay the minimum payment on time , but choose to make an extra payment at a later point, you will be charged interest on any Cash Advances or Balance Transfers from when your previous statement has rendered to when you make the extra payment.
Payment clearance timeframes; Debit card through OAM or over the phone ; working days Bank Transfers or Standing orders; working days Cheque; working days. For more information or queries regarding trailing interest please contact our Customer Services Team. To close or cancel your account with us, please call our Customer Services.
We are unable to re-open a closed account. You may request confirmation in writing that your account has been closed. If you have a balance on your card when you close the account, you will continue to receive your monthly statements, once your balance reaches zero these will stop.
Frequently asked questions. How do I activate my card? My card has expired and I have not received a new one yet. What should I do? I have lost my card or my card is damaged, how do I replace it? When will I receive my first statement? Can I change my statement date? Yes, please call our Customer Services. Can I change my payment due date? Where can I see when my next payment is due?
How do I set up a Direct Debit? Can I amend or cancel my Direct Debit online? Can I make a payment using my debit card? How many days will it take for my online payment to reach my account? Your payment will be credited to your account within 3 working days. What do I need to quote as a reference when making payments? Am I able to set up a standing order to make payments to my account? Yes, to set up a standing order with your bank you will need to quote the 16 digit number on your card as your reference, along with our sort code and account number: To pay your Mastercard account quote: sort code: and account number: To pay your Storecard account quote: sort code: and account number: How do I pay my account at a bank?
You can make a payment to us via your Telephone Banking by quoting your 16 digit card number as your reference along with our sort code and account number: To pay your Mastercard account quote: sort code: and account number: How can I make a payment in the event of a postal delay? Why is my recent payment not showing on my account? What do I do if a payment I have made goes missing? Can I transfer money to my bank account?
What is a Cash Handling Fee? My account is in credit. How do I get these funds returned to me? How long does it take for a purchase to show on my account? Purchases usually take up to 3 working days to appear on your account. Are pending transactions included in my current balance amount? How can I view recent transactions on my account through online servicing? How long does it take for a refund to reach my account?
A refund usually reaches us within working days. In some cases this may take longer depending on the individual refund policy of the company purchased from.
Can I cancel a purchase on my account? All processes are subject to appropriate security measures and we keep any recovered data confidential. If we conduct an Advanced Data Recovery, any recovered data will be kept for 14 days and then destroyed.
You will need to provide a suitable media storage device to recover your data. If you do not have one, you can purchase a media storage in one of our stores. We can recover data from both types of drives. Up to 21 working days for Advanced Data Recovery although we may call you depending on parts availability.
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