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Switching current account question
Sorry if this has been answered 100+ times, but does someone know the fine detail behind the following current account requirements: 1) Does Lloyds Vantage need a real salary from employer (through BACS) into at least one of your accounts to get the full interest? 2) Does First Direct £100 bonus need a real salary from…
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More money taken from account than agreed to
Hi, I booked a flight through the internet which in total came to £234 +£3.16 card charges on a visa debit card. I have checked my account and £238.51 has been deducted. Is this against the law as in fraud or theft? I have had big issues with the company after they told me the cost would go up £80 to £314 to which i asked…
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Business Bank Account
Dear All, I have just started a small asbestos consultancy in Norfolk, and by what people are telling me I will have to open a business bank account. I believe (if I have been told correctly) that it is not a legal obligation to have one, but banks pressurise you into doing so as I would guess it makes them money. Can…
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Halifax account fraud
Hi all just wanting some advice... I got paid on 16th December and on 17th (fri) when I was out shopping my card wouldnt work in any atm or chip and pin machine (very embarassing) I went into the nearest branch to check what was wrong and they advised that there had been suspicious activity on my account and it was frozen…
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I have £10,000+ in a Current Account, help!
Hi all, As the title of my post suggest, I'm currently in a very sticky situation because I've never had a savings account before and have been pestered constantly about opening one of those and also to think about upgrading my "Key Account" which is held with RBS to a "Royalties Gold" account but, in truth, I'm happy with…
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Getting web payment back with Visa Debit?
I'm not quite sure if this is the right forum, but I made a purchase off an internet company on 30/12 for quite an expensive product, and on checking the 'my account' section of the website since, the status has not changed since my payment was made. I am normally quite sceptical about making online purchases, and do…
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Can I change my daily withdrawal limit on a Current Account?
Good afternoon everyone, Is it possible to change my daily withdrawal limit on my Current Account? I hold my account with RBS and as a result of my situation at this moment in time I feel that I'd rather have it set to a much lower amount because I go through phases of buying things I don't particularly need or want and…
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Upper Limit on Online Transfer Value?
Evening all, Does anyone know if there is a limit to the amount of cash that can be transferred between accounts electronically? I assume it is probably unlimited but I am sure over a certain amount it would raise some flags, result in investigation and delay the process. We are looking to transfer about £40k from my…
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can i open a bank account at a different address to my ID?
hi there i am renting out my flat and have all my id and bills still going there (post redirected) but i want a new bank account set up for where i am now living (lodging locally) can i do this or will the bank not accept me because of the id not matching up? cheers for any replies
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Santander bank account
I have a former a and l account - premier direct with an o/d of £1300 and was wondering if I apply for the new santander preferred overdraft account with 0% would they close my a and l account?
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How long before payment on debit card?
Hi there, Does anyone know the time allowed for a business to present a debit card payment? My reason for asking is that I purchased something on the 24th Dec from Amazon but the payment didn't leave my account until the 7th January. I understand that there have been a number of bank holidays over the period but by my…
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Iphone Apps - Finances
I have been using my i phone and app called " balance" its a free app and its been working very well , its a bit basic and i wondered if anyone else was using an app in this way and could recommend a more advanced app eg that you can set regular payments etc - i have checked through and there seems to be loads but I dont…
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What happens when overdraft period finish.
Hi there. I'm just fighting with my debt problems... Generaly, I have a current account in Lloyds with an overdraft limit of £3000. Couple of months ago I was sure my situation will get better at the end of the year/ beginning of new one but it DIDN'T. Therefore I have outstanding balance on my acc of -£2800 which is…
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Bank mess up, credit rating screwed!
Sorry for posting this across two forums but it contains elements of both bank accounts and credit cards. The link to the 'original' thread is and I'd be grateful for any comment: http://forums.moneysavingexpert.com/showthread.php?p=40089290#post40089290 OK, I am posting this to seek advice for a friend. I have a rough…
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Halifax Childrens save 4 it (anyone from The Halifax, help?)
Hi, my son has an account with the Halifax, and this sort of account doesn't allow any withdrawls... He wants to buy an elecric drum kit which we have agreed to help fund, but he would need some of his savings, which basically means closing the account, BUT he only paid a £50 cheque in last wednesday, which won't have…
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cash card account
Hi, I have been advised by the National Debtline to open a new account with Barclays cash card account as I am shortly due to file for bankruptcy and most of my debts are with Lloyds who I currently bank with. The question I wanted to ask is when I open my cash card with Barclays can I be completely upfront with them and…
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Cheque Deposit via ATM
Is it possible to deposit a cheque via an ATM, and if so, does the ATM have to be one directly associated with your Bank?
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Cashing a Cheque Without Bank Account!
So i need to cash some cheques winnings. Does anyone know whos best for rates atm less i.e charge low for doing it. There is a place near me who takes 7% and a £3 handling fee, I dont really want to lose £56 out of £800, I've checked themoney shop and cash converters site but it doesn't give you any information regarding…
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overdraft charge
Recently had a cheque cashed by someone over a month since I sent it. Hadn't realised so shifted excess cash from current account to e-savings. Didn't notice and went shopping, building up £95 of overdraft fees in 2 days, quickly shifted money back when realised. Completely out of character and mortified to waste money on…
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Decreasing overdraft limit
i want to decrease my overdraft limit by £100.00. Do lloyds credit check when they do this?