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Debit card fraud
I've just found out that there were several transactions using a debit card which came out of my currentl account to almost £2,000 over the weekend. I cancelled it late last night but what about the money already taken out? Can I get that money back? I have reported it to Abbey and I guess I've got to wait now? Some of the…
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smilemore price hike
Got an email from smile the other day saying they are increasing their smilemore fee by 25%!!!! They reckon that this is justified by 'higher costs' and a few fairly useless negotiated deals with partners (quite clearly at no cost to themselves). I'm a big fan of smile, ethical banking, great customer service, good rates…
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NatWest-Introduce a Friend free £50 for both
Nat West are offering £50.00 to existing customers for introducing a mate.... its not very simple. firstly you have to pick up the form from the branch which includes the "switch over" form which means (s)he has to switch over all his/her direct debits, AND their salary has to be credited into the account. If you go on the…
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New Way To Split Your Restaurant Bill
The Standard Solutions Split the bill evenly. Sounds great, but its a nightmare for budgeting. If you earn less than others, there's no way to keep the price down, as even if you just nibble at one course, if others drink and have three courses, you'll pay more. If you earn more than the rest, do you really want them to…
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Foreign cheque, payable in UK?
I'm due to be paid for something as a cheque in euros drawn on a French bank account (temp work done in France, no French bank account). Can foreign cheques, in a currency other than sterling, be paid into a British bank account? What sort of clearing cycle/fees/exchange rates should I expect? I'm with Halifax if that's of…
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How long should I keep bank and credit card statements
In an effort to stay on top of my finances, in the interests of becoming debt-free, I have just been through all my financial papers and tidied them up, but I'm at a loss as to how long I need to keep everything. Does anyone have any pointers, or if there is a post of this nature anywhere on the site already can someone…
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HSBC current account and credit card
Hi all, I recently became an HSBC account customer, at first because of my poor credit rating they only gave me a solo card which I didn't even expect to get due to me been terrible with finances as a student. Now after 3 months regular salary payments they have already upgraded me to a Maestro card (£100) cheque…
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Online Teenage current account
Hi, We'd like to open an online current account for our daughter who's just about to become 13. We're not worried about high interest but just want an account we can transfer an allowance (probably £20) into each month and which she can manage herself online (with us being ultimately responsible I expect). I'm not sure…
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Woolwich, bunch of gits
I have banked with the Woolwich for 6 years and I have an Open plan current account. In all that time the account has been run perfectly. I only have an Electron card and I have tried several times to get the card upgraded to a Visa debit card. Everytime they say no. I asked why and they said because there was a problem…
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smile current account pays 5% (sort of..)
You'll have to bear with me on this. I have a smile current account and a smile savings account. The current account pays 3.3% and the savings account 4%. By moving my salary straight into the savings account on payday & drip feeding it over to the current account when needed, I effectively get 4% interest. As I have…
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Intelligent Finance Stealthily Cut Current Ac Interest Rates
IF used to pay the savings rate (currently 4.75%) on their current account if you had £1 in your savings account. That made them a fantastic current account without needing to worry about shuffling money around. They now will only pay 2.75% on the current account and 4.75% on the savings account. Apparently they removed…
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Paying USD into my Current Account
Hi all, I'm lucky enough to have some US dollars coming my way, it's payment for some music I wrote. The total amount is over $7000. I wondered if money savers had any thoughts on where I should get the money paid into. With the dollar so weak against the pound at the moment, my money isn't going to be worth as many pounds…
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Best Time ????
:doh: :doh: Hi all . Was thinking of changing current accounts from smile to A & L but I know it can cause problems . What in your opinions is the beat time to change ie - beginning of the month or end - before all ddebits or after they are taken all comments welcome TIA.
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A&L Current Account overdraft policy
Anyone seen this: http://money.guardian.co.uk/news_/story/0,1456,1493599,00.html ? Personally I thought that most bank accounts operated like this so I've always made sure that there was enough in my account to cover any transaction, but A&L customers who regularly come close to their overdraft limits will need to watch…
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HSBC and the SO
Back in Febuary my partner managed to finally cancel a SO from HIS account for a loan that his Ex-partner had taken out. It took us quite a lot of disscussion with the bank to get them to cancel it. Being that it is £200 a month and we are having some financial problems this was a huge relief. I check internet banking…
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Non UK Residents Bank
Checking for a relative who has money sitting in a natwest earning nothing. Is off shore the only way for non-uk residents to make some interest on their money?
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FirstDirect £50 with Amazon
I've just received a First Direct offer with my latest Amazon purchase: call 0800 242424 or go to firstdirect.com, open an account qoting the Amazon ref LV151, get your salary/income transferred before 31/08/05, and they'll give you £50 within a month. The conditions state that they'll check you're an Amazon cutomer, so…
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If & offset
Just out of interest... when did IF drop the ability to offset a loan agains the ballance in your current/savings account??? Now looks like you can only do this against mortgage as they have just pulled it against the credit card....
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Royal Bank of Scotland Bank Charges - WARNING!!
I've just been going through my bank statements and notice of charges for March and I was amazed to see a charge of £28 applied to my account in April. I've just phoned the branch up and was told that this was because I went over my overdraft limit, in March by......£1.27!!! The woman told me that this was an automatic…
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HSBC & cancelling SO
I'm looking for a little advice and hope you guys can help. Last month I took my head out of the sand and had a good look at my finances/ debt situation for the first time in my life (I've just turned 40). When I finished having my first ever panic attack I contacted the CCCS. Although I have to wait another 3 weeks for my…
