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Budgeting help please
Hi I am trying to do a simple :mad: excel spreadsheet to do a monthly household budget Sadly im not au fait with excel but am trying Basically I am trying to get Column E to = Column D minus Column C Tried inserting this in column E to no avail =SUM(D2-C2) :confused: :confused: :confused: Any ideas anybody ? (dont want the…
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Premium Unleaded Petrol
Hi everyone, was just wondering that with the petrol prices continually rising and the per cent variance between the price of normal and premium petrol falling, at what point does it make economic sense to fill my car with premium? I guess my question is how many extra miles should I get from a 40 litre tank filled with…
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Overdraft
I recently switched banks to Bank Of Scotland, and they gave me a £1000 overdraft, which has all been used up. yesterday I was looking at my online banking stuff and it says that I could get a guarenteed overdraft straight away of £5000 !!! I increased my OD by £300 last night. I then thought...my OD interest is lower than…
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Natwest Gold account
Hi, i have been offered by my Natwest branch the Natwest Gold account and was wondering if it was worth the £12 a month fees?? From what i can see it does offer some discounts, but only if you remember to get a quote from them or they are actually the cheapest when comparing them to every other company. Does any one else…
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I saw my own "Lending Review" at Natwest today...
Went into a Natwest branch today, to close my First Reserve account. (I'm still keeping my Current Plus & E-savings open) Was persuaded into leaving my First Reserve account open, but I insisted - so she unhappily went and took the forms for me. I filled it in. Then she said there, how did you get the Current Plus account,…
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First Direct account declined
Hello Has anyone else had an application refused for a current a/c by First Direct ? I am currently with Abbey and they have annoyed me so much this year i wish to change. I got a letter from FD to say "sorry but..." and checked my credit record which had a rating of 850 ish. Going on this I would think I should be ok. All…
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The Perfect Bank Account?
I know banks are there to make money out of you and very good they are at it too if you give them a chance, but what are the ingredients of a perfect bank account and who comes closest? The MSE article on bank accounts makes a big fuss about interest rates, which are of course important but I don't think they are the be…
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Overdraft Facility Withdrawn!
I received a message from my bank over the weekend informing me that my overdraft facility is to be withdrawn on 23/12/2007 and being overdrawn after this date will incur charges.:eek: It is going to be impossible for me to repay the full amount of £700 by this time so I'm going to try and contact the bank and see if I can…
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Premier account
I currently have a current account that i pay for 15 pounds a month. i've never the used what it offers and i never signed up for it in the first place it just appeared about a year ago. i want to get rid of it as i don't want to pay for something i don't use but i have a large overdraft and i'm worried in case it affects…
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HSBC Graduate Account Poor Service
Hello I recently retuned from 5 weeks out backpacking around Australia. Before going I was advised to take my maestro Graduate card instead of taking travellers cheques as they were easier to use. So on the saturday before I went away I rang HSBC up to allert them to the fact that I would be out of the country and to make…
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Help Needed with RBS Fraud
Hi all, Hope this is the right forum for this, if not please advise.... Basically I'm at my wits end, here's my story: In February 2005, I was the victim of a fraudulent transaction [withdrawing £540 cash over the counter using my mothers maiden name] from my Royal Bank of Scotland current account by someone posing as me.…
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New Cheque Clearance Rules
APACs, the organisation responsible for banks payment clearance has just announced a new cheque regime starting on 30 Nov. Below is the press release of its announcement. Do note though, as it's a press release from the organisation doing it do take any triumphalism with a pinch of salt! Martin…
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HELP!! Student bank account closed by NatWest!!!
Hi there, I have just received a letter telling me my student account with Natwest will be closed within 7 days. I am baffled. To be fair I am overdrawn up to the maximum allowed, but every week or so I squash it down again. I have loads of friends who do the same. Ironically I was just going to give my account a financial…
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Bank deducting interest
I was checking my bank (of ireland) account online and apparently the bank have deducted £2 from my current account under interest (they have also added 7pence also under interest) I'm trying to figure out why I did dip into the red last month because they took my credit card out the day before my pay went in which they…
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Halifax...worst and best experience over the same problem...
Just thought I'd share a bit about my latest dealings with Halifax. In about the end of August, I went into a local branch asking for them to upgrade my then Student Current Account to a High Interest Current Account (HICA). I didn't want to apply for a new account, just change my existing one. The branch gave me a form to…
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Trying to close Abbey current account
Hi there, I don't know if anyone can help. We have been trying to switch current account from Abbey to The Co-operative Bank. We started this process in August and it has been tortuous. Abbey never responded to requests from The Co-op to provide DD listings - in the end I had to call repeatedly to get a list sent to me…
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nationwide flex account and credit card
Hi, I have a nationwide flex account, a variety of savings accounts and more recently a nationwide credit card. I can transfer any amount of money I have in the accounts around as much as I want at anytime online (this may help answer the question posed earlier which made me think of this). I cannot seem to pay my…
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What is Abbey doing
10 weeks ago my husband filled in forms to add me on in joint account We have been told this is alright but the computer will not clear it this is apparrently a common fault Help I have cheques to pay in but account payee only I cloed my account when I retired and all money gets paid into my husbands Abbey account:confused:
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Nationwide
Does anybody know how much money you can transfer a day between Nationwide accounts? With Barclays, I am only allowed to transfer £1000 a day. Also is it better if paying a large sum of money to somebody to get the bank to write the cheque or to use one's own. I guess, it will not make much difference but I thought if…
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Paypal Limited Account
Paypal limited my account a month ago with £1100 in it. They want me to complete 2 steps... one of which is confirming my bank account. I've done this, but the step does not show as complete. The second is to resolve an issue with an existing account. The existing account is a business account on which I have no idea what…
