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help!
Hi, hope this is posted in the right place. Basically my credit rating is horrendous at the moment, i have defaulted on a few payments and have a ccj from a couple of years ago. can i still open a new bank account?? if not a standard one, then could i transfer my graduate account to a new bank?? im with hsbc and was hoping…
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Do banks give out statement folders?
Barclays gave me one when i opened my account, as did NatWest. I was just wondering - do all banks do this? Could you just go into any bank and ask for a statement folder (with a please in it!)?
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Bank account in two names - how do you remove one name?
Hi everyone, My brother has got a bank account and a number of years ago, as he was working abroad, my Mum was 'given?' permission to access his account. Fine, it worked great. My brother has been back in this country for a couple of years now and for whatever reason my Mum did not revoke / remove her name from my…
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HSBC security form
Hello everyone I hope you can help me with this matter. My son recently opened an account with HSBC and was posted a security form to fill in. This form was completed and was taken to the branch to be handed in to one of the customer services. The form said that it should be posted with the pre-paid envelope provided but…
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Graduate overdraft removed without warning
I have a graduate account with LloydsTSB with a £1650 overdraft (first £1000 interest free). I've been paying off £100 a month and getting the overdraft lowered the same amount in order to clear it. Good money sense you see. ;) Anyway I made my payment at the beginning of the month as usual and thought nothing more about…
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The budget planner spreadsheet
That was scary!! I am in budget ... just :rolleyes: I thought I had a fairly high disposable income but, having been brutally honest, just came in on budget. When you add Christmas, birthdays etc. it really mounts up :eek: How did you do?
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Cash Machine Robbed Me Of £140!!
Advice please from you knowledgable people, My wife went to an ATM (not her own bank) and withdrew £200, unfortunately the machine started making a noise and subsequently only despatched £60!! She hadn't asked for a receipt and so started panicking. She then informed the lady behind and the lady carried out her transaction…
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Interest question
Sorry if this has been asked before, these forums are quite daunting! Is it better to have a current account with 6.5% interest (ie the A&L one) than a savings account with 6.41% (ICICI) or is there tax issues that make the savings account better?
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Euro Bank Account
Hi All I am about to start a new job; salary is paid in pounds to my UK account but allowances/expenses are paid in Euros. I have been advised the best way to manage this is to open a separate Euro account possibly offshore so I can get to the money cheaply when working around Europe. Just wondering if anyone has…
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Will regular credits to Halifax Student A/c fulfill 'student loan' funding requiremen
Hi, I just got a Halifax Student A/c. In the website it says that student loans have to be paid into the student account. Currently I set up my student account to be paid into my old current account (non-student a/c). I do work part time as well. I am thinking of setting a S/O to my Halifax Student A/c where each month, it…
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Rant about Natwest
I opened an account with natwest sbout three months ago. I asked them to set up a standing order to go out on the 19th of every month (my rent). I had half the money in there and hubby was going into the branch today to put the rest in ready for Monday. On checking my account I see I am now overdrawn and when I phoned the…
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Abbey paying-in books?
Hey, my 11 year old sister has a abbey current account that my mum opened for her a couple of weeks ago. I thought you'd get a paying-in book? Don't abbey issue paying-in books? Cheers, Andy.
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first direct free overdraft
dear people, to get the free 250 pounds overdraft do you have to keep on putting in 1,500 pounds a month into your current account?thanks in advance.
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Alliance and Leicester overdraft switching.
Hi Beware! I have just been through the process of switching my lloydstsb bank account to the alliance and leicester on the condition that they would match my existing overdraft and it would be free for a year. They now tell me that I need to be in credit with existing bank for at least 15 days which I haven't been. I…
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Transfering money from A&L to A&L...
Hi.... Does anyone know if transfers from one A&L current acc to another is an instant transfer? When I do it with two Halifax accs, the balances/cleared funds change straight away..... Thanks Sarah
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RBS bank account
Hi everyone, i'm looking for some advice if possible on a tricky issue I'm an employee with Royal Bank of Scotland (in the insurance sector) and they want all employees to have their wage paid into an RBS group bank account (Natwest etc). I'm not too happy about it for a few reasons - mainly i'm not happy that they want to…
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Alliance & L Card Verification - is a Marketing Pitch
I received new bank cards fro Alliance & Leicester and they had the usual sticker, call this number to verify. Not a problem. After a few basic checks the operator went on to spell out the benefits of some identity fraud protection product, and went on and on. It was only when I insisted that I was not interested that she…
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Earn £30 for you and a Friend !
I know banks are not everybody's favourite place at the moment but I feel in today's society they are a necessary evil! I noticed on the home page of LLoyds TSb that if you recommend a friend to their bank you can both receive £30! Obviously certain T& C's apply. Taken from Their website Get a friend to join us and you…
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Bankruptcy help!
hi, i just been made bankrupt by my creditor and i have a 120 quid in my current account. im afraid that the bankrupty order will freeze my money and account. i definately need that money for the christmas presents for the kids. i like to avoid my bank account being frozen. please advise.
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Bounced Cheque - £25 charge - A&L
On the 14th November a cheque that I had paid out for over £1000 bounced. On the same day a cheque I had deposited a few days before into the account to cover the cheque going out had cleared. If I ring my bank, A&L, and explain the oversight are they likely to refund the £25 charge? This is the first charge ever that I've…
