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"second" bank account recommendation
I have my bank account with A&L and my husband with Lloyds. Until today we had our joint (bill) account with Lloyds. However I have just received a letter to tell me that for my £100 extra overdraft I accidentally went over this month, I will be charged a £15 set up fee and £20 a day for up to 10 days (so by the time money…
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Student account deficit banking enquiries
Hi. I just got my Halifax Student A/c up and running. Was granted a £1,000 interest free overdraft. I am thinking of doing what was suggested in Martin's article about deficit banking, i.e. transferring the interest free OD to a decent savings account to earn interest. My love is still with Lloyds, planning to use it…
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In branch customer sales and marketing
I recently asked my branch of RBS to stop sending me marketing and sales material by post, which they did; I now get nothing. However, trying to stop counter staff doing the same is a nightmare. Every time I go into pay in a cheque, they tell me that the System is offering my this, that or the other, as well as suggesting…
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Overdraft problem - any advice?
Hi Folks, new to this site. Thought I would try for any advice. I received a letter from Lloydstsb last month(22/10/07) saying my overdraft(£300) was due for review on 19th November, to contact to discuss. I phoned them that day, person I spoke to said it was a continual overdraft, it would continue as before. I then put…
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Opening a joint acount for wedding- Help? Which bank do we choose?!!
My fiancee and I want to open a joint account to save for our wedding in a year. We will be hopefully put quite bit in but we will be dipping in and out when we are buying bits for the wedding. There are so many accounts I do not know which way to turn. Does anyone have any suggestions? Many thanks! :money: :confused:
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Barclays and third party access
I have just spent over an hour on the phone to Barclays again trying to sort out a problem with my third party access. Briefly my OH and I have a joint account with Barclays which used to be a Woolwich account (come back Woolwich all is forgiven!) and I also have third party access via power of attorney on my fathers…
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Open University - Where can I get a Student Account?
I've been studying with the OU for a few years towards a BA (Hons) degree, but I also work full time. For the first year I've got full financial assitance, a Student Loan grant and a NUS student card which I paid for. I bank with Lloyds TSB at the moment, and because I'm not a 'full-time' student they have refused me a…
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Reducing OD?
I have an overdraft facility of £1100 with Nationwide. Since my LBM in Sep 07 I have managed to reduce this down through careful budgeting to £880 OD as it stands today (payday tomorrow when £1600 will be going in) I intend to keep bringing it down as part of my overall debt reduction. BTW, I haven't exceeded my overdraft…
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Best Mixed Current Account
Hi, I just wanted to gauge the opinion of the knowledgable people in the forum about the best deals on mixed (in/out of credit) current accounts? I've read the article and had a look at the A&L website, but I've found that Nationwide have a better account. Any views? Thanks, Dave
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Barclays Current Account Overdraft With PPI Help
Please accept my appoligies if I have posted this in the wrong section but here we go. I can recall when taking out the overdraft on my current account I was informed that to be accepted for it I need the PPI. Anyway I only realised that I didnt need it with all publicity over the last couple of months. Can I claim this…
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HSBC - now charging £25 a year fee for overdraft!
Hi, I thought it would be worth mentioning this as it has recently come to my attention. I have banked with HSBC for 16 years and always had an overdraft. Between my husband and I we have 3 currant accounts with them. Yesterday i got a letter telling me that now they are reviewing overdrafts yearly and I will be charged…
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Barclays Bank credit search.
In early October I applied for a current account with Barclays and I see from my credit file they credit checked me. However I did not return the completed form back to them until 15/11 and see they have carried out another credit check. Does anyone know is this normal practice. I also add I did not require any credit…
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Visa secure+debit cards?
Well, I was surprised to see that they are now registering Visa Debit Cards as well? I had that window coming up on the Tesco Website today, I have chosen this time to activate later, but my guess is that it will do the same thing as with my Barclaycard, and I will be forced to use Visa secure with my Debit Card. Strange…
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NatWest Duplicating Card Transactions
This morning I went to my local NatWest cashpoint to withdraw some money, and was surprised to find my account overdrawn. As soon as i got into work I checked my account online, on adding the transations I realised I was right and my account was wrong. I rang Natwest who checked the "Pending Transactions" and found all my…
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Direct Debit Fees, for not using dd!!!!!
I've had a quick look and not found anything inthe forums about this, but is it fair to incur charges for not paying bills via direct debit?? Has anyone questioned these charges yet?.
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At Least !!!!!! Turpin Wore A Mask!!!!!!
I went over my £100 overdraft limit by£121.46with Lloyds tsb in the beginning of November. This was due to, I admit me not being careful with payments, and not having enough to cover direct debits. So as it advised on the letter you get, I contacted them for help. After three weeks and four phone calls I finally got…
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A & L current account transfer
We recently transfered out joint a/c for paying bills from Lloyds TSB to Alliance & Leicester. What a joke, so far its taken 2 months and its still not finished. Even better is the DD's have all been swapped and the november ones are coming out the new account . Problem is they arent sending out the form to transfer money…
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Unauthorised Transaction!
Hello Regarding the HMRC 25 million lost personal details, it may interested you to know of the problems of have with Lloyds TSB over a unauthorised transaction. About six weeks ago I inform the bank, over a strange transaction of £150.00 paid out on a cheque number, 291, that had been used by me over ten years ago, and…
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Natwest are nothing but thieves
Hi there. Having some trouble with Natwest. They have been charging me interest on my student account since August because they thought I had graduated last year when I am actually graduating this week. Even thought I went in last year to sort this out by showing my payment schedule, they didn't amend the account. Now they…
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Half the UK Population Banking details
U.K. Treasury chief tried to reassure Britons their personal details were safe Wednesday after the one of the biggest security breaches in the country's history - the loss of two computer disks containing details about almost half the population. Experts said the loss left millions of people exposed to identity theft and…
