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Natwest current account
Hi there, Basically, I have an slightly chequered credit history, though no CCJs. I had a Step account for six years, and six months ago this was finally upgraded to a current plus account. However, I only got a Solo card with it, and I wondered how long I'd have to wait until I'd be eligible for a Servicecard? I…
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question re direct debits
About 3 months ago I received a sales call about life insurance and stupidly gave them my bank details, they told me the first 3 months were free and after that it would be £6.99 per month. Didn't think any more about it and as I never received any documentation I thought it hadn't gone ahead. Last Friday a direct debit…
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Bank accounts for DD11 and DS 15 - any ideas/recommends?
I'd like to open my DD11 and DS15 an account each, into which I can pay their pocket money. DS15 will need one next year anyway for receipt of his EMA as he is hoping to go to sixth form or college so I'd like to sort them both out now if its possible. They both have savings accounts which grandparents & I pay into, but I…
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Omg, which account?
Hi, My gf and I would like to open a "joint account"... Our salaries will not be going into this account, just additional funds we acquire from doing other work... Whats the best bank account for us?? Please help.. Thanks in advance.. P.S. I have an appointment with nationwide tomorrow to open a Flex account with E savings…
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Halifax "CashCard" Account Help Please!
I got a halifax cashcard and when i got this card they told me it was impossible to go overdrawn, if i go over drawn it will just be "rejected", so when i got a letter this morning for a direct debit that said i was going to be charged £39 becuase there was not enough funds (i top up my phone via direct debit i though if…
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OD Charges?
How exactly does an OD work? All I know about them is there is an interest rate to them and they allow you to go over drawn on your account What charges are there?
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Savings V Cheque Book
Hi, I am looking for an Savings account with a cheque book. I know Halifax does Asset Reserve Cheque Account. Does anyone else do it? Thanks M
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transfer HSBC - HSBC internet banking
if i transfer some money to my cousins account via internet banking (both have HSBC) will it clear straight away? he needs the money by lunchtime tomorrow :S would it be better to pay cash into his account tomorrow morning?
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Question about credit ratings?
Hi Me and my OH would like to get a joint bank account. I know my credit rating is good. Say for instance my OH's credit rating is not good, would this 'drag mine down' too? I will be keeping my individual bank account where my salary will be paid into. I was planning to have OH's name first on the joint account. My OH has…
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Cahoot Question?
Does anyone know if the user name contains numbers as well as letters? I cannot remember what mine is, they say they have reset it, but will not tell me what it is. If it should have numbers as well as letters, than that is where I am going wrong! Thanks
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Incorrect standing order query
Hi, My mum has a credit card repayment scheme with Marbles. She has been making monthly payments with her debit card on an automatic schedule. They then ask her to set up a standing order. She takes the details to the bank and they do this. After checking through the statements today, I noticed that each month for last 2…
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Budgets and Disposable Income
my wife and i have been married since September, and living together in our house (mortgaged) since april. we run two bank accounts - one of which is where we pay all our bills from etc- and that gets pretty much all of my salary each month. And we also have a second account where we run our disposable income from... Based…
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missibg standing orders?
how bad are missing standing orders?i have a standing order set up with my mum to tranfer my keep across to her each month.sometimes though i just give her the cash and leave nothing in the account,note this is a cardless internet account that has never been used for anything.ive had a few letters from my bank saying ive…
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Banking International Codes
Hi I'm not sure if this is the right place or not to post this query. My brother who lives in south-eastern France want to send me 700 euros via a bank transfer. His bank the Credit Agricole want the international banking code to transfer it from his account to mine in England I bank with the HSBC and after I asked there…
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Citibank
Well finally my cheque came from my bank, so sent off my application today & will wait & see & report back. Hope i've got it but doubt it as I have one CCJ that's just started & hasn't had a payment on yet & one that was satisfied in 2004 but I haven't sent the letter in yet! Plus stacks of defaults, about £5,000 debt in…
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Have you been declined for a basic bank account?
I'm just doing a quick post out of interest. If you have applied for and been declined for basic bank account, please could you share with me (and everyone else) which bank it was and if you know, the reason behind the refusal. I'm thinking of writing to the FSA regarding mine and my husband's experiences and I am…
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Nationwide or Smile
I'm in the process of switching my bank from First Direct to Nationwide, and I'm having huge regrets at picking Nationwide. * Its taken over 3 weeks so far and I'm now hanging on changing my Direct Debits over as its almost pay day again. * The last two nights I have struggled to log on to internet banking. * Phoning them…
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Application for new current A/C with recent C/C application
Hi, I recently got a new credit card (card delivered last week) and so of course I have a very recent credit search on my file, however I also wish to apply for a new current account somewhere as I am sending Lloyds a letter requesting that charges be repaid to me. As I note that Lloyds are highly likely to close my…
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3 days to clear cash?
Pardon me if I am displaying any severe lack of awareness of the banking process (I hope not as I work in one) but does it sound right that it should take 3 days to 'clear' cash paid into your current account? My wife has a current account with Halifax and she had a payment coming out on tuesday that she didn't have enough…
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Microsoft Money and Nationwide
Is there a problem at the moment? I haven't been able to sync statements since 07/12.
