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Budgeting help please!!
Hi everyone, I have been lurking for about a year now trying to use all the hint and tips off these boards but there is one area where I fail miserably month after month: BUDGETING. I always try at the beginning of the month but loose track and by the end of the month it is caos again. Does anybody have a good excel spread…
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Stopping a Direct Debit
Hi Not sure if this is in the correct thread, sorry if it's not. Does anyone know if i stop a DD from going through, firstly how easy it is to do? Do i just contact my bank and ask them to stop it? Also, are there likely to be any penalties - my guess is that it depends on the company but i am not sure. The company in this…
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Best Joint Account?
Hi! I was just wondering what you would suggest for a couple wanting to start thier first joint account. It will be basically be used so they can transfer money to it for rent and bills. It would be handy if it could set it up over the internet (is that possible?) and also would allow easy internet cash transfer between…
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Whats the Solo Card about? Do all banks offer it?
I am currently seeking advice from Citizens Advice with view to probably setting up Debt Management Plan due to huge debts. They advise me to open new Bank Account from which I can make my direct debit payment (currently have no arrears with utilities only credit cards, etc), but I would also still like to have a debit…
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Why Budget
Some of you may know that my OH is in debt. He is now going to consolidate. Its non-negotiable even with me. I say to him all the time - do a budget - he says "whats the point" and "I don't have any money" or "spare money" " I have done one and I cant cut back". Please can you give me some ammunition as to what to say when…
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is there a limit one cheque gaurantee day ?
further to my post before is there a limit to one cheque gaurantee a day if they use the transax system even thought i have a cheque gaurantee card ? cuase i wrote one went throught fine in morning and in afternoon got declined ? wonderign if i shoudl try again today
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cheque declined code 004 ?????????? help
was in town today went into dixons brought some clearence stuff with a cheque and went through fine but then tried to purchase somethign in argos declined ???? wow i was stunned never known a check decline ever but i guess they must do, then thoguht maybe error entering cheque gaurantee number, so on way home popped into…
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New Job and new current account
Well I have recently resigned from my current job but still have another month left to work. I would like to switch from my hsbc current account to the A&L premier direct account - the question is should I wait until I start my new job before applying for the new account, or does it make no difference (it would be nice to…
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Alliance & leceister 0% overdraft, how do i..
I'm currently already a current account holder with A & L. But with it's new promotion of 0% overdraft for 12 months sounds too good to resist. How do I go about getting it?
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Problems with Lloyds TSB - what next?
I recently went to see a bank adviser who agreed that I could have an overdraft on my current account. On the day I saw him he assured me that the money would be available immediately but forgot that he needed identification from me (eg, passport) - so I walked away and the adviser then found that he could not load the…
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Low Income - Current Account
I'm having to pay my ISP by direct debit, well when I say pay, I mean I will do when I can. I can't pay them at the moment simply because I've only got a savings account, do I need a current account to pay direct debit, if so which is the best for me? I'm 21 and currently work freelance, my earnings are erratic and…
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AS Im new to this, so Im sorryif it's in wrong place,
Barclays Bank are giving you £25-00 free if they can't find you cheaper house insurance than you already have, mine had gone down from £13-40 to £11-99 month, Worth a try for a free £25-00 in your pocket.
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embarrassingly obvious question?!
Hi I can't believe I'm asking this, as it has to be the most basic question, but I have looked high and low and cannot find online or in leaflets/packs the quote I'm looking for, that MUST be there somewhere, but darned if I can find it. It's simply to ask how many weeks notice I must give NatWest re closure of account.…
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Advice plse re current accounts
My partner and I have just purchased a car. We want a seperate current account where we can put some money to use for repairs, purchases, petrol etc. but most of the current accounts around at the moment with incentives are for salaries to be credited monthly. I do not want to change the accounts altogether just get a…
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What is the best bank account for rent income?
I have bought a house that I am renting out. I need an account purely for the rent income and mortgage payments. It is not a business and I do not want to put my salary into it. Who would you recommend? Many thanks
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A+L 0% Overdraft for 12 months
If you have recently opened an A+L Premier Plus Current Account how do you know for sure whether you have 0% interest on your overdraft? Do I just need to ring to check? Having never used an overdraft before, could I use it all to 'borrow' the full amount and put it in a savings account until the 0% interest ends, to make…
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alliance +leicester 100 pound bonus
got a letter today from A+L and said if i open one of their premier current accounts before 11th November,i will receive one hundred pounds for the trouble.looks good but you can only apply at the local branch or by phone(min 500 per month).anyone else recieved this. cheers moneysavers hect63
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buying postal orders with a cheque and gaurantee card
this post is for a mate hes in a v tight spot till end of the month, his cc's are maxed and needs about 80 quid to survive till then he asked me if he could buy postal orders with his cheque gaurantee card and chequebook, know i now you can pay for postal services as i do it regulary ? but would they do it for postal…
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Natwest and poor customer service
As a full-time professional with a regular income, I was surprised to receive a letter detailing miscellaneous bank charges applied to my Natwest account. When I requested to speak to a customer services representative, and dared to query these charges, I experienced Natwest's version of customer service which was…
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Best ING account?
Apologies if in the wrong board, but can you suggest the best ING account offering high interest rates, as i want to put money into it each month throughout the year ready for Xmas :rolleyes: and i may cancel my pet insurance and pay the money into it instead :D
