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The Future of Basic Banking?
http://www.thinkbanking.co.uk Having just seen this i'm a bit worried this could be the way the banking industry wants to move forward for basic accounts... For your £12.50 per month (not forgetting a £25 set up fee) you get a bank account with a whole host of exciting features including a shiny maestro card and errr well…
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Bank cancelled my cards by error, left me in lurch!
Hi everyone, First time posting, long time lurker. Hoping I might get some advice from the nice people here as I think I've been rather let down by my bank. Last week on Thursday I walked into a random branch of my bank and asked for a replacement card on one (secondary) of my bank accounts. I have two accounts with them…
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Standing Order Question
Hi, A question for the bank experts please regarding standing orders. Since 1992 I have had a regular monthly standing order which was payable to Avco Trust Ltd - the final full payment was made 1st December 2007 leaving a balance less than the usual monthly amount. I have therefore cancelled the standing order today with…
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Visa Debit Cards
which bank is the best to get one from as HSBC dont do them and its a pain to buy things online with solo.
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Cheques and 'cleared' balances
If you pay a cheque into your current account this should not 'clear' for withdrawal purposes for several days. I'm wondering however if you can never the less withdraw against cheques 'immediately' without incurring overdraft interest. It appears to me that you may be able to. I've maintained a positive 'account' balance…
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Do HSBC charge for overseas bank transfers?
Hi all I have used bank transfer before within the UK, HSBC don't charge for that but there is an online shop based in Europe that sells some books I can't get here, if I have the relevant IBAN/SWIFT number etc will they charge me, what is the minimum charge? I have a basic hsbc account. I will only be spending about £30…
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Help and advice plz
Hello I really need some advice, if i have posted in the wrong section please move me. I have a barclaycard debt from 3 years ago. My partner was out of work and i couldnt pay them. I contatced nationaldebtline for advice. After going through my weekly monies i was advised to offer b/card £10 a month. They refused this…
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Do Banks have the right....
I know this will be a silly question and I think I already know the answer, but my brother has asked me to find out anyway... He has 2 current accounts with Lloyds Tsb, one of which is permanantly overdrawn by between £1200 and £1600. The other account is the one which he uses for his wages and other direct debits. He is…
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Transfering Money Overseas
I need to transfer money to Malaysia. Can anyone recommend an FX broker who can transfer to Malaysia at a better rate than the banks?
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A&L no interest in month of withdrawal sneaky trick
A&L have some of these high interest accounts (called direct saver 6.3% and esaver 6.5%) which pay no interest at all (withdrawn amount or balance) in any month that a withdrawal is made. The obvious approach therefore is if a withdrawal is needed in any month, to withdraw the entire balance on the first of the month and…
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Student Bank Account Overdraft?? Help!
Hello, I opened a Halifax Student Account last December but havnt had regular income going into it. There is an overdraft of £1000 on it and i am at the bottom of it :S They have sent me a letter saying that my overdraft expires on the 18th of December and if i want to apply for a new one i can fill in a form. I do get a…
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bank??
who has got the best [business] online banking system, esp real time updates of transactions? thanks.
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How much more drawn out can it be...
(... to put something in an A&L e saver account?) I 'opened' the account with a nil balance and set up my direct debit (for paying in) on an a non A&L (i.e. a 'real') bank account. I requested an opening deposit on Friday 23 November Two days ago it said on the 'pending payments' screen '01 Dec' What is that? When they…
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Cahoot debit card
I went into the city today and went to use my Cahoot debit card, which is part of Abbbey. I entered my pin and selected the option for cash. I pressed the amount required and then without any reason the card was kept and no money. Fortunately I had my Lloyds debit card and that worked fine. When I returned home I phoned…
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Poor UK Banking Services - when will it improve?
Is it just me who considers banking services in the UK to be decreasing in quality and becoming more difficult to access? I am getting seriously frustrated with the lack of access to funds at the time I want them, lack of ease of being able to move money around without physically going to draw it out etc. In this world of…
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Advice regarding HSBC overdraft wanted.
Hello all. Hoping someone can help me regarding a query I have with an HSBC overdraft. I'm finding it difficult to get a satisfactory response from HSBC and really want to find out if my arguement is valid or if I have just convinced myself that I am right because I'm a bit bitter about the situation (and should therefore…
