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Possible changing of personal banking and overdraft
Hello there. I am seriously considering moving my current account and overdraft from HSBC to Alliance & Leicester having read Martin Lewis's advices. However, I have been reluctant to take the first step until I have convinced in my own mind that I am not jeopardising my credit rating and financial history. For instance,…
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How many current accounts do you use??
How many current accounts do you use and what for? Are you a single or multiple household income?? I'd love to know the best way of moving the money around to pay bills, housekeeping, clothes,etc, etc. I'd appreciate your thoughts and best tried and tested methods formanaging the household budget and cashflow sheet. p.s.…
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Direct debit guarantee
Hi everyone - please help! Is it true that under the direct debit guarantee you have to be notified about any changes to a dd? I have a monthly direct debit for my broadband connection which goes out on the 23rd of each month. Tis month however it was taken out on the 21st - when no money was in. The bank (lloyds) allowed…
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Direct Payment benefit? advice please.
Can anybody help me please? I’ve been told I’m entitled to some direct payment benefits.. http://www.islington.gov.uk/Health/ServicesForAdults/cash_help_care_services.asp But for this to work I must have a separate bank account that will be used for the direct payments only! Has anyone set one up without problems and what…
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Natwest turned down an overdraft request for an unexpected reason..
I bank with Natwest and recently I applied Online for a small overdraft and was declined for Reasons of "Bankruptcy" Now I have previously had a CCJ against my name (which is no longer on file as it is over 6 yrs old). I have no IVA's on my credit file for Experian or Equifax files or anything else really bad. I do have a…
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A&L online bill service DISAPPEARS!
Just want to vent my spleen re my A&L "online" account - this weekend I went to pay an urgent bill online and, lo and behold, found that the 'create a new payee' option is missing. I had to phone up (we're talking about my online account here) to find out what on earth was going on. The woman on the phone informed me, "the…
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how can i bring some happiness into my friend's life?
my friend earns about 14k and until recently couldn't be happier- life with perfect because he liked job and place where he lived. He was forced into a role he hates (long story) and has already been told off for attitude. Up to this point clean record and considered to be a really hard worker who does excellent job.…
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Banks opening hours
My partner and I have a current account each. We want to open a joint account to pay £600/month into each, to pay our new mortgage and bills. Today, we tried unsuccessfully at 3 banks to do this. They all closed at 12.30 (Saturday) and all were fully booked for appointments to see a personal banker all morning. 2 of the 3…
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Nearly as good as the Barclays offer?
I missed the Barclays offer :( But I've discovered that if you get accepted for First Direct, they give you £50. And if you apply through FreeFivers, they give you £22.50 on top. :j You do have to have your salary paid in to this account, which is a bit of a pain, but I wanted an account in my married name anyway. If your…
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Identity Fraud Protection Insurance -help!
I have just phoned to activate my Alliance & Leicester Debit card for their Premier Direct Current Account. Was expectin gtehm to offer me card protection insurance but they asked if I wanted identity fraud protection instead, £59.99/year or 4.99/month by DD. I said I would think about it as it sounds like a good idea, but…
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I can't get a new account with what I WANT
I have tried to open 3 accounts over the past 2 years. Natwest, Nationwide and Llyods TSB have all turned be down a usual account with debit/or simular cards. One can only assume this is because of my credit rating, but how they apply this is not known by myself. They only offer me one with a cash card and basic…
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Is it possible to open an account online?
I'm looking for an account that pays good interest. Is it possible to set an account up over the net. I don't get out much due to health problems so setting up an account via the high street isn't really an option. Also I'm not saving huge amounts of money roughly £51 a month but on occasions this will be more.I wont be…
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Switching Current Account & Credit References
Hi Please can anyone say whether or not switching current accounts has any effect on applying for credit in the future. The reason I ask is that I have held a current account for 15 years with the same bank, and when applying for credit they often ask how long you have held your current account for. I am thinking of…
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is this unethical..?
i currentley have a few quid in a well known banks online account from a sale of my previous house sale.. it is a short term amount of money as it is going back into my mortgage when my current deal is up in late april with the online bank i have 4 online accounts for different things but all at the same interest rate. now…
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A&L Overdraft Limit
Has anyone out there managed to get an increased overdraft on an A&L Premier Direct Account without fulfilling all of their criteria? We are hoping to transfer our HSBC current account to A&L to take advantage of their 12mth 0% overdraft facility, in an effort to get debt free (except the mortgage) by the end of this year.…
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Fancy £10 for registering with egg money manager
For egg account holders, register for egg-on-line manager and get £10. Allows you to access many accounts at once. Offer open until 31 Jan 06. See demo on egg webpage https://www.egg.com
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A&L website bug?
I'm trying to move money from my plussaver (4.05%) to the Online Savings Iss 2 account (5.15%). When I follow the "move money" options the only available account to pay into is "nominated account". I've never had this before. Is this some sort of site bug? I'm sure it listed all of my accounts before. FIXED IT! "nominated…
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A & L rate
HI, I've had the 5% rate for my account for a year now so it's dropped down to the lower level. New customers are getting the 5% still. Is it worth saying I'll close the account unless I'm bumped back up to the 5%? They should be showing loyalty to their existing customers, not just the new ones! Cheers!
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smile Bank
Have been considering changing to smile . Does any one use them & are they any good ? . Also does anyone know of any offers , promotions on the go if I do decide to change
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first direct...£50 plus £15 cd wow voucher
I just went on the cd wow site to try and get a voucher and there is an add in the top left corner for a new first direct account..you have to pay your earnings or regular money in but it is offering £50 and £15 worth of cd wow vouchers....it looks like it is still open but I am about to try it....look through Martin's…
