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An interesting dilemma
I have had a Nationwide Flexaccount for 20 years. I have written to them (following the article here on reclaiming bank charges) for all charges made to my account in the past six years. However - I am also aware that if I reclaim these charges (many have been punitive on Nationwide's part), then they will probably close…
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Advantage Gold at £12 per month
A friend of limited financial means, and easily fobbed off, recently went into a Natwest branch with the intention of opening a simple bank account (eg a "basic bank account"). It turns out he opened, without realising it, an account which charges £12 per month, the Advantage Gold account. I got him to call the Customer…
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FD customer becomign self-employed in Jan07 - best account?
Hi all, In Jan07 I will become self-employed so may not meet FD £1,500 criteria (I don't meet it now, but I have other products). I will continue with e-savings, c/card etc but wondered if I should open an account with A&L or Nationwide or Halifax? I need a lower monthly paying-in threshold and would also like a better…
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Natwest "ONLINE" banking
:mad: *jumps up and down madly* :mad: I don't understand internet banking. Ok..stupidly I lost my customer number (but knew my password, secret question, sort code and account number).... so for months I've been putting off online banking as I knew it would involve a lengthy phone call. I decided to bite the bullet last…
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Small Business Account?
Hi, Thanks for such a great community, it has helped alot with our finances over the last year and now i was hoping to ask some additional questions now i'm actually in business for myself. I Have searched the Threads and found alot of infor about Abbey/RBS/First Direct etc as good or bad companies. We are working off a…
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Barclays free 2GB Ipod nano
Anyone else got a leaflet (as a Barclaycard customer) offering a free ipod nano for opening Barclays account? Loads of specific things I need to fulfill but think I can do these so opened an account today showing them the leaflet but don't think I stressed enough about checking the ipod offer was going through. So phoned…
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HSBC - encouraging debt?
I have a current account with a cash card but I was looking for one with a debit card attached to it. As I am disabled and cannot work it has been hard to find a bank who will offer me a "full" account. I applied with the HSBC over the telephone and was told that, as I was not on the electoral roll, I would have to take my…
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Unrecognised Direct Debit on my account??
Hi, Went online the other day to check my bank account, and had a look at my direct debits. I appear to have paid £185 to Mid Devon District Council on the 1st of november, but..I have never lived in devon or had any transactions with their council!! I have emailed the bank (smile, who have generally been excellent, btw!)…
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Problems with nationwide website
Is anyone else having problems with nationwide web site? Or is it just me :confused: I log into my account ok but the top line of the page goes missing and I can't 'log out' as that disapears too along with 'my accounts'. Sorry if this is not the right place to post this question. If not can someone tell me where I should…
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Best HUMAN bank?
Hi, I have a few requirements for what I would like for a bank, can anybody suggest the best bank to fit them? I need a personal and small business account (turnover currently under £100k). Charges and interest rates are not so important to me, although I do need someone human and British at the end of the phone (big…
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bar-codes
Does anyone happen to know what the bar-code is for, that can be found on cheque books on each cheque stub just under the binding. I am about to discard a number of old cheque book stubs and am keen to avoid any chance of identity theft. Do the bar codes identify me or the bank or are they just a stock control number ?…
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Bank account with Visa Debit Card
Evening folks, After reading so many posts re: Basic Account with debit card I thought I'd let you know that my credit union is now offering current accounts alongside their savings and loans. It comes with a full VISA debit card and offers SO and DD facilities; not all CUs are operating them but I know for sure that…
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Nationwide - couple of questions
Hi, Does anyone know what type of card you get with a Nationwide current account, is it a Visa debit or something else? Also, do they ever offer an account opening incentive (cashback, freebies etc), as if so I may as well wait a while. If they never do this I will go ahead and get one opened now. Many thanks.
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Inernational Banking - Best rates???
Hello, I have $50,000 of loans from my american college fees. I now live and work in the UK and earn good old £££'s. I currently pay my loans with what is left in my american account, however i soon need to start paying these loans with my british earnt money. Can anybody help with the best method of payment to either a)…
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please, please, please help - re halifax
hi, i'm pretty new and in a bit of a state so if anyone can help it would be very much appreciated. i have a large o/d with the halifax and have gone ovr the limit.. I called the banks col;lections team twice last week to apologise and to promise to sort it out and they were really nasty with me and had me in tears,…
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First Direct -why so high at £1500 monthly payin ??
I'm surprised that First Direct has set its threshold so high at £1500 monthly payin to avoid paying monthly charge. (ignoring other ways of avoiding charge like having 2nd product). We know many people are closing their accounts. But they will lose a LOT of new business as people look elsewhere. This charge will stop many…
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Canadian National needs account!
I need an account to pay wages into from a part-time job I have, which is all legitimate as I have a working visa and pay tax on this. I tried HSBC to get a "passport" account, but they have been very annoying. Can anyone else help? Thanks
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Cashflow Software / Spreadsheet
Hi there, I've been tracking my finances for years using a fairly basic Excel spreadsheet which forecasts my cashflow in each account. I create rows for all the recurring transactions to the end of the year (pay, rent, bills, etc.) then I can see how much money should be in each account on any given date. I can then use…
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Best Online Business Bank Accounts
A friend has asked me to find the best business account for a new company i believe this is the best place to ask:beer: an online account would be ok
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Confused by A&L accounts
I see Martin recommends A&Ls Premier direct account with 6.10% AER, but looking at A&Ls site I see they have a premier account with 12.00% AER . How come this isn't the best deal? what am I missing ? :confused:
