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Joint Account for house-sharers
Hi there, my flatmate and I wish to open a shared/joint current account for all our household bills (utilites, tax etc). The account will only be used for depositing monthly Standing Orders from our personal accounts and then DD's taken to pay all the household accounts. Can anyone recommend banks which can help? Ideally,…
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First Direct £10 monthly banking fee (merged)
Update Note: Now read Martin's full "How to beat the new charges" article Hi, I've received a letter today stating that from next year I would be charged a £10 a month banking fee, as I don't pay £1500 a month in to my account and I don't have any other services with them. I have my wages paid in but they only come to…
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Cashier error - what would happen?
Something interesting happened today. I paid in a couple of cheques down at my bank and the cashier added them up incorrectly. He actually put the total as £10 more than it was.:beer: I noticed and told him (being honest) and he thanked me and changed it to the correct total.:rolleyes: I was wondering though, what would…
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Cahoot Savings
Morning all, is it possible to set up a standing order from a NON cahoot current account to a cahoot savings account ?? Do i just use the sort code that is with my CAHOOT current account and the savings account account number ? Thanks
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Nationwide - Not Happy At All.
After reading all the good information on the site and forums for a while i thought I would sign up. So hello! Im not happy with nationwide they have charged me £20 for going over my agreed overdraft limit £30 for a bounced direct debit. Im spitting fire about this as it was in Sept and now i get charged on Nov 10th. I had…
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Halifax online transfers
Has anyone else noticed this? We have 5 accounts between us with the halifax, and use their online banking. I regularly transfer money back and forward between the accounts (differnt paydays etc). When I click the OK button, it says "thanksyou, blah blah, £xx.xx has been transferred from account A to account B", but…
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A&L switch question
Following the final straw with the halifax, me and gf are planning to switch our accounts to A&L. I have about 9 direct debits and 2 standing orders. Do I open the account, inform my work then switch the direct debits etc? I just want the switch to be smooth and not mess up with any payments cheers
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Nationwide email asking for details
Dear Customer, Nationwide's Internet Banking, is here by announcing the New Security Upgrade. We've upgraded our new SSL servers to serve our customers for a better and secure banking service,against any fraudulent activities. Due to this recent upgrade, you are requested to update your account information by following the…
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Direct debit - help required
Abbey took three times the normal amount for my mortgage this month, i phoned them who told me to contact bank and do a direct debit indeminty, i did this immediatley and was told the money would be back in bank by monday, monday comes nothing, tuesday i phoned them they said local branch would phone me - they never, went…
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Budget planning question
I was just wondering. Its coming towards the end of the year I've been reviewing my budget and planning for the year to come and the thought came to me - for personal finances what is the better way to structure a financial year? What I mean is do those of you who plan ahead, do you plan across a calendar year (Jan-Dec) or…
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Current Accounts On Credit Ref Files
I have all three of my credit reference files and there is nothing on my Call Credit file. The Experian File has a search for GE Money when I applied for their 3% cashback card. There are no searches on my Equifax file and there is one entry for a closed settled NTL account paid up with "0s". My brtoehr has a similar scant…
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Cypriot £ conversion to sterling or euros
Hello. We have a cypriot Bank account, approximately £2000 CYP£, that we no longer need and our Cyprus bank has high charges for converting funds to sterling. We shalll be in Cyprus next week and can withdraw the funds and close the account. This may be better than paying bank and swift charges. We shall be spending the…
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Lloyds Classic Plus
Does a Lloyds Classic account automatically get upgraded to a Plus account if you start paying in £1,000 a month, or do you have to go to a branch request an upgrade? If it is automatic, how many consecutive months do you have to pay the £1,000 in? Thanks
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HSBC Help
Hi everyone, We are attempting to get our charges back from HSBC, sent first letter, no reply, sent second letter, no reply, sent third court letter and have received a letter from their solicitors asking for a break down of charges, which we have sent to the bank in the two previous letters. We are going to do this again,…
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Halifax has pocketed £10
I paid in £70 in cash at the Halifax yesterday. Unfortunately because I was rushing I didn't check the receipt the guy gave me, and when I checked my account online today, it's shown up as a £60 payment. I found the receipt and it also says £60. Do I have any chance of getting the £10 back?
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Account Refused: Not on Electoral Roll
What can you do when you aren't on the electoral roll and can't be put on? What info would you need to send the credit check agencies to get around this?
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Overdraft to credit card?
Morning, Am new to all of this, and been reading so much my brain has fried!! Cannot find the thread of Martins that explains how to avoid paying overdraft fees? It doesnt come up each time I click? I am at the hilt of my overdraft and paying fees and interest of £68.21 at the end of each month! My overdraft is £3000 and I…
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Joint Acoount Query
My wife and I have allways had seprate current accounts and a joint savings account. We both bank with HSBC. We have decided to have a joint current account. However, I still have 12 months of a personal loan to pay off and a small overdraft. Will they be able to combine this into the joint account, and would it mean that…
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Since when did opening a current account become so bloody hard?
Hi, I need to vent. I'm currently working earning £18k, no defaults or CCJs on my credit history. A couple of missed payments over a year ago but other than that nothing major. Yet I can't get anything more than a basic account with any bank/building society. I.e no debit card, cheque book etc. Just a simple cashcard which…
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Accepting Debit/Credit card payments
My daughter is starting up a hairdressers and wants to start accepting debit/credit cards. Does anyone know where to get a machine from and approximately what is involved and the costs? Thanks :)
