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Turning A&L current a/c into joint a/c
I've got an A&L premier direct current account (in my name only) with anniversary coming up in April. Thinking ahead, I've decided to move all my personal banking over to my Nationwide account. But all the DDs and standing orders relating to the flat I rent with my bf (bills, rent, etc) come out of this account and there's…
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Citi Plus v.s Citi Access
Both the citi plus and access accounts are current accounts the difference is that the plus account give some more benefits but charge a fee of £10/month and the access account dont give those extra benefits but dont charge a fee either. So its upto each individual, i.e. if you want those extra benefits then keep the plus…
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Nationwide current a/c used abroad
A simple question. I am going travelling just about everywhere soon and wanted to confirm that I would incur no charges when using a Nationwide debit card to either make atm withdrawals or with purchases in shops etc. They famously claim there are no charges but these organisations do like to hide things in the terms and…
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NW regular saver account
I applied for the above online and although it has not shown on my online account, I got my card this morning. I was surprised to see that only my initials and the last part of my surname are printed on the card. Does this matter, I have got three christian names and my surname is in three parts which mean the card is…
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ReadyCash Account
Hi all, Please feel free to correct me if this is in the wrong place, or has already been discussed. Today i have been told by CITI that i have been declined for one of their accounts, i really need to open a new account so that i can have one just in my name, without my EX girfriends name still being on it. Halifax wont…
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Overdraft Taken Away From Under Me!!!!!
Would really appreciate some advice, I have an advantage gold account with Natwest and also have a 1800 overdraft which i'm very ashamed to say i'm always up to the limit on. About 6 days ago i asked my premium manager if it could be extended to 1900 as i'd had an unexpected bill was left a bit short. He said this would be…
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Mis-advice of the cheque clearing cycle
A few months ago i lost £2000 because I feel my bank misadvised me in regards to the cheque clearing cycle. I had banked a bankers draft and proceeded to call my bank to see if it had cleared. The call rep then confirmed it was due to clear for Interest purposes and then corrected himself and said withdrawal purposes on…
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Joint account application rejected
Hi there, My application for a joint account with Barclays was rejected. Is there anyway I can appeal this decision? My wife has a few late payments but no other problems. My credit history is better - no late payments etc. I really want to stay with Barclays. My wife is with HSBC but I don't want to move to them. Any…
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Executor's Bank Account
Please can anyone help? I am sorting out my mother's estate and need to open an executor's bank account to collect together the proceeds prior to paying out to the beneficiaries. My mother's account has been frozen and her bank "do not allow executor's accounts" neither does my own bank! Which of the high street banks…
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Need a bank account, but keep getting rejected
Hi everyone, I currently bank with NatWest (boo-hiss-boo), who are charging me £12 per month to use the account (you can pick your jaws up off the floor now). I want to change to a new bank, but keep getting rejected. I've no idea why. I'm coming up to 21, have no adverse credit scoring that I'm aware of, and just want to…
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How can my boyfriend get a new account when he is overdrawn?
Hi Folks, I believe Barclays will get shirty when my boyfriend (who needs me to ask all the questions because he’s not computer-literate) starts reclaiming his penalty charges. So he ought to open a parachute account. He says the problem is that he is always overdrawn and doesn’t think a new bank will let him have an…
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Not On Electoral Roll/Business Account
A few months ago my mum wanted to change her business account from RBS to Alliance and Leicester but was refused (only thing it could be was because she isn't on Electoral Roll). Tried appealing with all the proof of residency and reference from RBS but still refused. Today she tried phoning Abbey national to ask whether…
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best joint account dilemma ?
hi everybody... quick question (hopefully not too silly) and any advice would be appreciated... my partner and I are buying our first house together in a couple of weeks (fingers crossed !! )... we were thinking the best thing to do would be to retain our personal current accounts and set up a new joint account for…
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Banks Confuse Adresses!
I recently moved house. Before I moved I, enquired of Halifax (whom I bank with with) about House Insurance for the property I was considering buying. Halifax not only sent the quote to the new address (I told them I had not bought it yet) but they also updated my banking address details to the new address as well! I have…
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Refused a current account without an overdraft
Wow, I didn't think my credit history was that bad. They've offered me a cash account without a Visa card, which is no good to me. The only thing I can think of is referral charges for unauthorised overdrafts, but they have charges on the cash account too for returned direct debits.
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Shared Accounts - how many can share?
Hi guys, I'm writing on behalf of a bunch of uni students - 6 of us in total - who are moving in to a house together. We wondered is it possible to set up a shared bank account - where all 6 of us can pay money in to, for rent, bills etc. for the bills to be paid by direct debit out of it? If not, it seems to be causing…
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current account help
Hey there Ok to start with the bad news i have a bad credit file due to me being young etc but alot of the stuff like defualts and a CCJ are removed this yr. I was looking for a current account with a overdraft rather than getting a credit card. I know alot of you will say just wait until the things are removed before…
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citibank and quidco Question
Hi, Does anyone know if you get quidco for opening one of the new saver accounts?
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halifax current acc. 6.17%
Went into a branch today (first time in yonks) and saw a leaflet for 6.17% Current account etc. immediately pulled my MSE socks on and asked if this was a new customers only deal. Turns out it's not, but they won't automatically switch your account to this one in case you didn't want it (T&C's balances up to 2,500, pay in…
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Bank Error- bounced cheque paid in, different amount!
Can anyone advise, I recently paid in a cheque for £6.50 and it subsequently bounced. It was paid in in a batch so there is no individual transaction on my account. However, on the letter from the bank they cited that the amount of the cheque was £61.50!!! Looking at the cheque that they returned, the person that wrote the…
