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refused by first direct
I revently applied for a current acoount with first direct, because I a good on-line bank account to manage my funds better. But they refused me after looking at my credit history with experian. I didn't want any credit or an overdraft, just a simple account. why did they refuse me? and any other online banks worth a try??…
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Money required in a day
Hi I currently need around £8000 to complete on a house but a certain amount of the fund will not clear until Monday. I have £5000 available in one current account and about £2000 in another current account. So this will produce two bankers drafts. Where can I get the additional £1000 quickly? Additional overdraft? 0%…
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Credit Report Results
I have just checked my credit report with Experian online for the first time ever (first time I have looked at mt file). Over the last 6 years I have hardly ever applied for credit. It shows my Capital One card and my Orange phone. And also shows my Halifax bank account. On checking the Halifax account - they have searched…
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Nationwide account, when to apply...?
I have got a job next summer working in France for a British holiday company. I will be paid by BACS in GBP into a British bank account, so I want to open a Nationwide FlexAccount so I can withdraw money whilst I am in France without paying charges. I want to keep my current current account as my main current a/c and just…
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which banks upgrade on behaviour?
my halifax account was downgraded as I didnt use it for quite a while. it is now a "cardcash" with visa electron, although i still have the authorised overdraft of £1000 on there... i asked for it to be put back to a full current account and they did a credit check, which i failed :'( (this is due to serious financial…
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Current account with SMS
I'm currently with Cahoot, who send me a remarkably useful text about a day after the transaction has appeared on-line saying "somthing's left your account", or "somthing's gone into your account" if it's over a certain limit. Slightly better, they send me one saying that i've got 10 days to pay my credit card. Do any…
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New Halifax Cashback Debit Card launches Feb
HALIFAX LAUNCHES FIRST CASHBACK ON DEBIT CARDS - BUT YOU CAN BEAT IT! The Halifax has today announced it will be launching cashback of 1% on all spending up to £10,000 on its new Moneyback current account. This is the first time we've ever seen cashback on a debit card (i.e, a normal bank account card). The account which…
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Visa electron, YUK!
I have a cardcash account with the halifax and they have just replaced solo with visa electron, now solo wasn't up to much but visa electron is worse! >:( I went into branch to ask if I could upgrade to an account which had switch, but I've been refused due to bad credit history, but I'm not applying for credit, I dont…
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financetracker.ltd.uk
Hi there I recently received an email from the above company and checked out their website. The run a service where (for a £50 fee) they will 'introduce' you to current accounts that you are guarranteed to be accepted for. It all sounds extremely dodgy and I would never usually consider using a service like this but I am…
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Bank Account for OAP's
I'm looking to move my parents bank account as I think that their present bank is taking advantage of their 'old fashioned' views on banks. Can anyone please let me know of any banks that have an account specially designed for OAP's. My parents income is from a small private and a state pension only? Thank you,
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business bank account
just been looking around for cheeper business banking as my free period is coming to an end. Alliance Leicester commercial bank offer up to 50 free transactions per month and 20p for every £100 cash deposit ,with no minimun balance. I have been told that this will be increased to unlimited transaction and free cash…
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How to deal with a regular USD $ Income check
I've looked at a couple of the other posts a little further down the page about paying in one off $ cheques. I am/will be getting these regularly now - roughly one a fortnight I think - and so I wondered what the best way is to go about getting the money paid into UK banks and into Sterling £. I see Citibank will allow me…
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Inernet Banking Advice
Hi all, this is my first posting but have read the topics for a while now.Anyway enough of the ditherin'. I am thinking of starting to bank on the internet and wanted any advice you can give on the pros and cons etc and dangers(if any).All recommendations gratefully received. Thanks, Johnboy36
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Credit History Lazarus
Firstly, many apologies if this duplicates threads. I tried searching, but wasn't sure how to define the search, and haven't found any duplicates so far. Secondly, I want to know how to rebuild my credit history into something useful. I have a credit history problem, and at the risk of boring you, seek advice. I hope i…
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Credit history
Can somebody please explain to me all the things that produce either a good or bad credit history ? And how much bad history do you need before a company / bank will refuse you a loan, account or mortgage ? Thanks
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Moscow Money!
Could really do with some advice... I'm going to live in Moscow for six months. Salary will be paid into a UK account. Will need to withdraw/use 1000-1500£ a month at a guess. I bank with NatWest which I believe will charge me royally for debit card and credit card use - what's the best solution? Does any advice apply for…
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Account for irregular payins and over £5000
Hi, i'm 21 and need some advice on where to my money. I've read the stuff about the best accounts, but the best ones require you to put in £1000 a month. I don't work, i left Uni in the summer of 2003, and since have helped work in my fathers chip shop. I don't get a wage, though i'm on the books, he pays my bills (credit…
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basic bank account
does anyone know where i can get a basic bank account bearing in mind i have a really bad credit history
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Problems due to double-holds
Not sure if this is the norm in the banking industry here, or an anomaly. I have my main account with Citibank here, and am faced with a problem on most occasions when I use my debit card for purchases. Say, I make a purchase for £500 and use my debit card for it. The bank places a hold on the money for two days, for the…
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home budgeting
I am so happy that I found this website. I have managed to save £300 a month by just looking through my standing orders and direct debits and finding cheaper alternatives for everything. Thanks Martin. You are my hero of the year. But i'm also totally confused. I am trying to keep account of everything I spend. The budget…