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A&L current account - "monthly funding"?
Hello, Is anyone aware how A&L define their "monthly funding" requirement - is it per calendar month? Or per the date you opened your account? If anyone knows I'd be grateful, as I can't get through to them! Many thanks, Laura
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cashing a cheque
Hi, I'm slightly confused as to the process of cashing a cheque. I've seen all the shops that do it but what do you need? Do I take in a cheque made out to me, or do i write them a cheque? Would be grateful if someone could let me know. cheers
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Some Legal advice needed on charging debit cards and bank charges!
Hi all, I after some legal advice cos im going up the wall at the moment! I went paintballing on the 29/10/05 with "Ambush Paintball" I spent £51.55 whilst there and paid for it on my debit card. The payment came out of my account on the 14/11/05, all seemed good. Then on 17/11/05 I was charged exactly the same thing…
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the big three
Hello folks, I'm a newbie. I've been looking for budgeting tips but just on how people separate their bills from their spending from their savings. I've never got into financial hardship but my bills just come out of my current, at different times and I'm never really sure if I can afford things. I keep my current account…
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Minimum monthly payments.
I get paid cash per hour that I work, so pay in small amounts most days. When current accounts have a minimum monthly amount does it matter if its paid in bits, or is it supposed to be a monthly wage, once a month?
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A+L account setup
Hi all went to set up my A+L account the other day and received the paperwork this morning Im not felling to happy right now for one thing was told by customer adviser that set up my account that "a credit card went with this account" that I feel was a lie to get her quota on credit card sale up when I said I did not want…
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which bank is best for offshore accounts?
was recommended citibank and lloyds tsb as option for accounts for my mum who lives abroad. are there any differences between the 2 or any others. thanks in advance.
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LTSB Classic Plus 4% - Joint accounts??
Can anyone tell me if they have a joint 'Classic Plus' account with LloydsTSB? I picked up a leaflet in branch to apply for the top current account which pays 4% if you meet the funding criteria. I was told this must be applied for and run online, not a problem - but the account would be for my 2 sons and the application…
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bank want to charge me 4 sets of £30 for being
over my over draft limit. abbey tell me that over a day or so i was over my over draft limit back at the end of september. they just billed me now for this fee in november just noticed it. the reason i only noticed this is because i never received my bank statement so i was really shocked when i called up to ask them what…
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making cash with A and L's premier direct account
I have just joined the forum after reading Martin's money diet so apologies if these questions are obvious. I have recently opened a premier direct current account with Alliance and Leicester. I have also increased my overdraft with my current provider from £1000 to £6000 as A and L say they will match it. Here is my idea.…
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Joint Account advice
Hi all - this is my 1st post on the MSE Forum. I have enjoyed reading many peoples' views and advice so far, this is an excellent forum. My query is:- I need to setup a joint account with my partner which we will use to pay our mortgage. We setup a Joint Savings Account with ING Direct for their high interest rate, only to…
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Get 60 GBP for opening citibank accnt
Hey check https://www.quidco.com -offering a 60gbp cashback if one successfully opens a citibank direct accountthrough the affilate link.No need to switch -just pay in £1 and get 60gbp back from quidco.The only downside is that one will not get cheque book with this account.
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Declined Co-Op Cashminder where now?
I have been declined a cashminder account via co-op I need a basic bank account with a debit card, no overdraft or anything I have a CCJ and defaults. Please advise Thanks
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Bounced cheque
Hi, can anyone advise me. I recently sold something on ebay and the cheque bounced, can i re submit the cheque even though it bouced and the cheque has been stamped refer to drawer. it drives me mad that people can get away with doing this, it is unlikely it will bounce again as I know the girl has good feedback and her…
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A&L card protection...oh yeah.
I phoned up the number to activate my debit card today. All very efficient. Then the woman said "we've got a special offer today on card protection" blah blah blah. I said "I'm not wanting that". Then she said "oh, but what are you going to do if your card is stolen " etc etc so I had to say "please don't try to sell me…
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Direct Debit Guarantee
According to the direct debit guarantee you have the "reassurance of knowing that every Direct Debit is protected by... an immediate money back guarantee from the bank or building society if an error is made" (http://www.bacs.co.uk/BPSL/directdebit/generalpublic/benefits/). Unfortunately, some banks (mine included) are…
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How long are cheques valid for?
I've just found some cheques that I forgot to pay in the oldest is dated 6th May 2005. They are all business cheques. Is it too late to pay these in? How long are cheques valid for?
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1st direct not put £ in my account
I paid my wages into my first dirct account through HSBC bank at 10 am yesterday, mostly cash, & a cheque for a very small amount. I have the stamped receipt. Anyway in the bank they were messing about with children in need stuff. The money hasn't shown up in my bank account. I phoned First Direct and they said there is no…
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First Ever Post - Which Bank Account Do I Need??
I have recently got a mortgage with my sister and we want to open a bank account jointly that we can pay a direct debit into each month to cover all bills - our 2 lodgers will also be doing the same. My sister and I both have our current accounts with the Halifax and we don't know if we are best to stick with them or is…
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Nationwide Flex Account
Hello We are off to Australia in March. We hope to open a flex account with the nationwide to use while we are away. Is this acceptable to open an account as we really will just put holiday money in it We have been with the same bank for 25years and really do not want to change all the direct debits etc. Any advise will be…