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soilsaver
As I have a bad credit rating finding it hard to get a bank account - any ideas.
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Transaction went through twice
At the Ideal Home Show last Friday I paid for an item with Switch - the handheld machine hiccuped and the guy said he'd cancelled the first transaction and put it through again, but it's showing up in my online banking as going through twice. Do I contact the company or my bank to get it refunded?
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Overdraft or balance transfer?
If you have an overdraft of £1500 in a current account, what is the best way to pay it off (i.e. lowest amount of interest payable)...assuming £50 can be paid off each month....? Balance transfer with a new credit card looks promising to me, but as paying only £50 off per month, it will go past any interest free period.…
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Foreign spouse in the uk & bank accounts
Had a lot of trouble getting a current account sorted for my wife. Been with local branch of Lloyds for 20 years or so and due to money laundering regulations went through the hassle of repeated visits, taking in various documents for proof of ID, but each time a different service desk assistant was present, and…
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A&L recommend a Friend offer to drop
Hi there, Just curious to know. Martin says in his weekly email that A&L refer a friend bonus will drop to £25 in a couple of weeks. Could someone confirm the exact date? Better still, can someone please point to the original source of that piece of news? Thanks
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Smile account email
I've got a smile account and am still waiting for my wine voucher (should have got it by now). Received this email just now: As a smile customer we have to tell you about any changes we make on your account. As part of the terms and conditions of the smile current account, customers agree to pay in at least £1000 per month…
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Basic Bank Accounts, also, Student Accounts
After a bad credit history, most of which was cleared up 4 years ago, I still can only get basic bank accounts, it seems. I'm with Nat West but want to change. But does anyone else do Solo, or anything I can actually use as a debit card anywhere? Barclays are pants, as are A&L. Can anyone advise? PS - I'm about to become a…
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Switching current account
Has anyone switched to Alliance & Leicester current account and used their switching service? We are in the process and they have been appalling - direct debits have been closed but not switched - I have had to rearrange almost all the DDs cos they have not been paid for a month. Similar story with some standing orders. In…
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How can a bank get something so simple, so wrong?!
Applied for a joint NatWest Step account a couple of weeks ago. Everything was set up really quickly, couldn't fault them at all! As you can see from my user name, my name is Shell, short for Michelle. My card came through, but the spelling on it was Mishelle (??) The letter it was attatched to had my name spelt correctly,…
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Cahoot
I currently bank with SMILE and am quite happy with them but they have recently dropped their interest rates and as I turn 21 in May I was thinking of switching to Cahoot I just wondering what peoples experiences them especially the application stage and thier customer services
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New user name
Hi everyone. Those who already know me, I was maforduk... ...I am now maforduk2. Thanks.
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Barclays £100 back offer
I opened an online account with Barclays in January when they offered £100 cashback if you paid in £1000 for 2 months running. I did my bit and paid in the cash but Barclays are being tardy paying back their £100. First I was told it would be within 28 days of the second deposit, that passed and I was told it would be…
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Strange??
I have a A&L Premier current account, a while ago I opened up another basic current account with A&L, this was to pay my bills with, however due to some problems with my new address & there online banking system I still have not utilised this account, despite it being open around 6 months or so. Today I received a letter…
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How do you Budget?
What do you use to Budget? If OTHER - Please state...
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Joint accounts
My fiance and I have just bought a flat and we have agreed that the best way to organise our finances to maintain some independent funds is to open a joint account into which we both pay the same proportionof our salaries (e.g. 50%) The joint account will then be used to pay household bills/expenses. Any surplus each month…
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bank overdraft
is there any way i can stop my bank charging me as i have gone over my limit cheers..k.w. :mad:
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Help me
Help last thursday in boots i made a transaction for £29. i placed my pin into the machine and it was authorised. howevr right after this the till 'crashed'. the sales assistant told me it hadnt gone through and i had to pay again. the second transaction has gone through, however the £29 is missing frm my available…
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Unfair Charges at Barclays - problem
I recently wrote to Barclays (twice) on behalf of myself and my partner. Turns out I've never had any charges and to prove it, the bank sent a print of the last six years' worth of activity, totalling a pile of A4 that measured two inches thick. However, for my partner, the bank simply sent a letter confirming £600 worth…
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Help Me Choose Please - Account + Credit Card
Hi there. I'm currently a student (2nd year) at university. Basicaly i am unhappy about the way my current bank Abbey are treating my affairs. I will keep the ISA i have with them, but want to switch my current account ("Abbey Account") to something more student friendly - with a fairly healthy overdraft preferably.…
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Internet cash transfer gone wrong
My friend made a transfer of £60 last thursday from his halifax bank which has still to reach my A&L account. I just want to know that if he has put in the details incorrectly can the amount of money be recalled by the bank from where it's landed? Thanks in advance for any advice provided.
