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Some Budgeting Advice Please
Hi, I'm new to the forum but figure I should post because I really need some advice. I graduated from Uni 18 months ago and walked into my dream job (albeit, I'm at the bottom end of the company!) I'm working hard to get promoted but the wages are rubbish. I had to move from my mum's house (Berkshire) into a flat not far…
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Unauthorised Direct Debit
Hi, Yesterday I received a letter from Citibank saying I was £47 overdrawn and to bring this back to normal. Bit of a surprise to me as I'd budgeted for any standing orders and direct debits and had actually moved the last few pounds before getting paid again into my savings account. Couldn't check Citibank online until…
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Different Lloyds accounts
I have been a Gold account holder for a few years but don't use the so-called benefits (AA, travel insurance). Can I revert back to a normal account - is it cheaper? Anyone know - the bank seem intent on me getting a platinum account as they post me a form to fill in every two weeks (for five years!).
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where can i payin my US dollars cheque?
hi i have been sent a cheque from america for $36, but when i went to pay it in at my UK bank, the nationwide, the said there would be a £20 fee for this and the form would take 8 weeks to arrive before i could do this. i think this is disgusting, the cheque is only woth about £18 anyway, does anyone know anywher i can…
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Anauthorised Debit - Possible Fraud
I need help from anybody familiar with banking practices A couple of days ago my son attempted to buy an annual season ticket at a railway station. The ticket clerk told him that due to a problem with his card machine he would have to input the details manually. He then rang to try for an authorisation code but said that…
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Bank transfer from HSBC - Llloyds TSB- time it takes?
Hi, I need to transfer some money online from my HSBC current account to my Lloyds TSB current account. Does anyobody know how long this normally takes for the transfer to go through? I kind of need the money by Tuesday at the latest (if i send today) but I guess I wont receive it by then? i take it HSBC arent any faster…
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LTSB - Classic Plus monthly 'cycle'
Hi, Just another quick question. For the Classic Plus account, we have to pay in £1000 a month minimum. Does LTSB follow the monthly calender? Just wondering - because assume that for the 1st month, I credit my account on the 1st, and the 2nd month, I credit it on the 6th. If it follows the monthly calender, I will have…
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When does LTSB apply charges - if there are charges?
Hi, I committed a bit of an error today. My wages get paid into my account yesterday (1 Nov), and I transferred most of it to my Online Saver account, without remembering that I have £250 that will leave my account on 2 Nov for my Monthly Saver account. (I am about £30 short of that £250, after taking consideration cleared…
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Looking for a Current account for paying bills through...
I'm looking for a new current account to pay bills through to help me with budgetting my months... I currently hold a Current Plus account at Natwest, i've had it since i was 16. I also have a CashISA at the same branch... Problem is i'm a very low credit scorer, looking for an account that had BACs facilities on it for…
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Reclaiming a Direct Debit? (Halifax)
Hey Guys, At the moment I'm in Hong Kong and my family put some money into my bank account this morning, about two seconds after they did I had a Direct Debit eat it all up (Telephone Contract). I've cancelled the Direct Debit now but can I get the money back? Mum phoned Halifax and said it's possible with a "imentity"…
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Advantage gold query
Hi Recently discussing annual travel insurance my friend told me they don't pay for theirs because it's free with their Natwest Advantage gold account. I quickly reminded them that actually it wasn't free since they were paying £12 a month for it. I was somwhat shocked by their reply which was 'we don't pay the fee its…
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Can I have more than one account
Does anyone know can you have more than one bank account with the same bank I have a Co Op account and am considering opening a basic account with them. My main bank is LTSB. And think I would manage my money better if I had one account for direct debits one for food/living etc. Thanks in advance for any replies.
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Credit score stressing!
(i first posted this in the debt forum but i don't think that was the right place for it) I'm after abit of advice from an expert about credit scores on the following issues. 1) I have just graduated and over the last few years i have moved house once a year on average - i've heard that this can have a negative effect on…
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LloydsTsb £30 recommend friend
Does anyone know the procedure to get the £30 recommend a friend to open a lloyds account offer. Is there a special number ? etc Thanks in Advance
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Naughty Nationwide
..have put up the authorised overdraft rate from 7.75% to 9.9% today and ended the preferential rate for mortgage customers at the same time (they must be feeling the pinch!) Have just noticed this was on my statement for 1 September (I also noticed that they had used '9 point' print - ie conspicuously smaller than they…
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If you're thinking of getting an A & L account
I'm not sure if this has already been done, but following on from the 'Best Accounts' tip in the news letter, I would suggest going through topcashback.co.uk if you are thinking of taking up an A&L account - they are currently giving cashback at: £37.50 for the New Premier Direct Current Account £20.00 for the Direct…
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Overdrawn for a matter of hours, charged or not?
I have just transferred cash to cover my D/Ds for this month, the money was in another account with the same bank, I just forgot to transfer it last night like I normally do. Just transferred just now, does anyone know whether I will be charged or not. The fact that the money has gone in before 3pm which is usually the end…
