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Cheque clearance
Anyone know whether the cheque clearance process involves a visual check whether the signature on the cheque is indeed the signature of the account holder(s)? And who is liable when a cheque with a forged signature is cleared? (asking because an elderly, disabled, lady living in a care home, has just been conned out of…
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A&L Sat open?
This might sound stupid but are Alliance and Leicester branches open on a Saturday?
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cancelling a cheque without paying any fees (possible ?)
I recently bought an item from ebay normally I pay via paypal however on this occasion the seller only accepted cheques or p/o so i sent a personal cheque via regular mail, they sellers claims not to have received it and my bank says it hasn't been cashed the cheque amount was for £12.56 and the bank is saying there is a…
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best current savings account for 16 year old
sorry if this question has been up recently as not sure where to find the info. any help appreciated. she does not particularly need regular access to the account.
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Money saving tip for HSBC a/c's
for those of you with HSBC current a/c's I thought it would be helpful for you to know that current procedures state that debit interest of less than one pound can be refunded by a CSR without reference or further investigation. ie. they have to do it for you they will advise that in future no similar refunds will be…
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Halifax Rip-off - "Technically overdrawn".
On Monday I paid a cheque to the value £1,1750 into my "Halifax Extras" current account. The same day I wrote a cheque for £14.00. which, it would appear, was paid into the recipient's bank the same day. This morning, I received a letter stating that my cheque for £14.00 had taken me over my overdraft limit and I had been…
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A&L's Shocking Creative Accountancy
I have recently opened an A&L premier plus account because of the 12 month interest free overdraft and high in credit interest rate. I'm beginning to think I might have made a mistake! Recently I went over my overdraft limit by a couple of pounds (easy to do when your company pay your expenses into the wrong account :mad:…
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Refund from NatWest - a BIG thank you!!
Hi all, after finding a letter on this forum and contacting my bank, I heard yesterday that I have been refunded over £300 in bank charges! Unfortunately I can't find the original post but the letter was to the effect of: "It is my personal belief that such a charge represents a penalty and does not represent a true…
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£20 debit card payment not showing on my account
Hi all, I bought £20 petrol at my local supermarket pay at the pump last Friday and it isn't showing on my account as yet. I check my account daily online and so far, this transaction is not showing on my account, although debit card payments from Saturday & Monday have cleared. The other thing is I always check the…
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Natwest won't let me have my money
Just been to buy some lunch and had the embarrassment of having my debit card declined, even though I checked my balance this morning and there's plenty of money in my account. As I have no cash on me I'll have to go hungry. I paid a cheque in on Monday for £1030, 1000 of which was transferred to my ISA today (the money…
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First Direct to charge for Text Message Banking
Just received notice today that First Direct will be charging £2.50p.mth for some text messages from the first of October! I for one will be canceling my text alerts and just check more frequently via the internet!
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Money deposited in Account
My Girlfriend has had £72.10 deposited into her current account, it says counter credit dated today. We have no idea where this has come from!!! It is very strange. Can they take it back now it is in the bank? Is it wise to ask the bank? or should we just put it in a savings account & see if they ask for it within a few…
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Barclays Additions Plus Account
Barclays has launched a special offer on its fee paying Additions Plus current account, claiming to be worth £1,000 to the lucky customers. What’s the offer? The £12 monthly fee for the account will be subject to a total refund after 10 months, although it will be charged in full again each month after that. Barclays are…
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accounts for former bankrupts
I was discharged from bankruptcy about 14 months ago and was wondering which bank accounts people would recommend? I'm with the Abbey on a Basic Account and was told that this would become a 'normal' current account after about a year so I guess they'll do this for me soon - I've been being patient which I think is…
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Best Joint Account for income of less than 2k p/m?
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£50 from FD for a/c switcher: discussion
[Came from an ad on The Independent newspaper website]: http://www.firstdirect.com/banking/current_account_external.shtml?fd_msc=CN002 It is only available for first time FD current account customers and seems to require account switching [which doesn't require the old account to be closed however]. If you have a 'minor'…
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Government believes Fee Charging ATM's are aiding consumer choice (BBC article)
Here's the article for those interested: http://news.bbc.co.uk/1/hi/business/4697327.stm Fee-charging ATMs given all-clear Fee-charging cash machines (ATMs) are aiding rather than hurting consumer choice, the government has said. The government welcomed the spread of over 20,000 fee-charging ATMs as convenient and not…
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Paying in USD Cheque
Hi, I am soon going to be receiving a cheque in USD. PLease can someone tell me what my bank is likely to charge for processing it? I could pay into either Halifax or Nationwide. Thanks for help.
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Banking for student in USA
Hi, I hope someone can help, or at least point me in the right direction. My son will be spending a year at an American university as part of his degree course. He currently has a student bank account with HSBC. Can he continue to use the account to withdraw cash, or will it work out very expensive ? Does anyone know how…
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Employment checking
I applied for a new flexaccount with Nationwide (see if I can get a debit card this time) and put I was full time employed, address, all those details etc. Do they actually check these though? And if so, how so? Do they phone up your employer just to confirm or employer has to send a special letter? Anything? I am just…
