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smile current account down to 3.04%
Smile have shaved 0.25% off their current account interest rate, down to 3.04% from 3.3%, effective 6th January. Their website has the new rate tucked away under interest rates - but no sign of an e-mail to announce it. I know they didn't change the rate at the time of the last base rate reduction but this still stinks!
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First direct chip and pin
I have a first direct account that has a solo card, I have been told by FD that they are not giving chip and pin on solo cards, yet I hear that as from Feb 14th chip and pin will be used everywhere and you will not be able to sign, only chip and pin? am confused!, so if anybody could advice me on this I would be most…
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Woolwich Openplan Criteria
Hello Mse Bankers! Can you tell me what the criteria is for having a DebitCard no the Open Plan account? :confused: Thinking of changing banks but needa debit card and want to know if it is worth it cause without a debit card I will be hand tied. Do not want Visa Electron.
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HSBC So-called 'Customer Service'
:mad: Due to recent difficulties, our curr acc with HSBC was majorly overdrawn (£700) and HSBC were not helping us at all. Everytime we would phone up and ask for the account to be reviewed and put onto a managed overdraft they refused. November came around and they came up with the idea of combining the current account…
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Bank account for housemates
Hiya, Hope this makes sense ive made it sound a bit more complicated than it is! :rotfl: My friend and i are going to be sharing a house pretty soon... at the moment i rent a place alone and he lives with his parents so only i have utility bills etc to pay. Im moving out of my place (as my landlord wont let him move in and…
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Will I Eventually Get An Upgrade??
Hi Applied for an A&L premier current account 2 weeks ago, but was only accepted for a normal current account with chequebooks and Electron card :eek: I have a full facility account with the Woolwich and have always had one with cheque guarantee cards etc. This was a joint application with OH, and although he has no bad…
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Martin's Money tip for CurrAcc
I see in Martin's moneytips he suggests either A&L or LTSB for best rate and a bonus sign up (no one is recommending me so don't I get bonus with A&L?) I see you need to pay in £1000/mnth to qualify for both but I read somewhere the A&l only needs 500/mnth. Also do you need to have your salary paid into it or can you…
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Help!
Hi Everyone, I'm hoping that you'll be able to give me some advice as my husband and I are really struggling at the moment. We're not really in debt but we're not managing. My husband has his own company which hasn't been going very long and so therefore he's not making much and whatever profit he makes really should go…
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Joint bank accounts - how to remove one name from an account?
My parents separated in 1998. Unfortunately, they still have several joint accounts that I am unable to get Mum's name off. They are in credit and there are no debt problems and adverse credit history associated with them. The problem is that my Dad is being a stubborn mule and unwilling to sign any papers that agree to my…
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LloydsTSB Internet banking
I use LloydsTSB internet banking with my current account. I would like to know what current rate my account pays but I cannot find a way on the website of getting that info when I am logged in. I've tried to use the help > search function with no results returned. Please can anybody help? Thanks SB
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'Missing' bank accounts
I think I may have several savings accounts (opened for me by my parents when I was a child) Does anyone have any idea about how you go about checking this out? Thanks Goodfella
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negotiation possibiliites?????
Hi, I know from reading previous threads and the many articles about this topic that negotiating better deals works in many different circumstances. But does it work with bank accounts? I have an overdraft which i am paying silly amounts of interest on and have found the A&L current acc offering 0% facility for 12 months.…
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Dormant Bank Accounts
Hi All, I read an article about a website I could use to see if a dormant bank account could be found. I can't remember the website address and wondered if anyone could help me. Cheers.
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Monthly budget and new house - are we cutting it too fine?
We are first time buyers and just about to make an offer on a house. It is a bit beyond our budget, so wanted advice as to whether we are being over cautious or should be ok. If we had to pay the full asking price we would then have as outgoings: 644 mortgage (we are putting down 25% deposit, and this is just under 3.7…
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joint accounts?
Hi, My boyfriend and I are going to be moving in together in a few months time, renting a flat. We want to get a joint current account, and he’s going to put about £2k in as a sort of contingency fund. We’ll then be paying in about £500 each per month, with roughly that amount coming out for bills/rent etc. We won’t need…
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NW FlexAccount to pay up to 4.25%
Just got this leaflet with my Nationwide statement for December: Better than a poke with a stick...
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Monthly outgoings estimate for a 1 bed flat.
I'm looking into the economics of buying a 1bed flat. I know roughly what price and what mortgage I'm would take out. Let's say it's a monthly outgoing on £450 on the mortgage, repayment over 25 years. What sort of other expenses could I expect, on average per month: -Council tax -Insurance -Gas -Electricity -Phone (not a…
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Closing Barclays Additions account
I've been with Barclays for 12 years and I''ve had an additions account for about 5 years some of the benefits I have used like Insurance, legal advice etc. They have now put the monthly fee up to £10 I've also got a £1000 overdraft and its costing me about £25 a month just for the bank account! I'm thinking of closing it…
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Bank accounts with incentives?
Hi there I opened a First Direct account, about 4 months ago, in order to grab the £50 joining incentive which I got. Are there any other banks offering these incentives? I can't apply to Lloyds TSB as I have been with them for 10 years. If I do find another bank with an incentive, how long to you think I should leave it…
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Lloyds TSB Gold account benefits
Some help/pointers please..... Have been signed up to the Gold current account for some time now - paying £10 per month for the privilege. Was going to downgrade the account as my wife and I now have a joint account and salary gets paid into that. Account offers free mobile insurance (I currently pay £22.50 a quarter),…
