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Halifax bank money transfered from another part to my account in error
sorry if this has been answered in previous posts, i have a halifax visa bank account which recently had £1000 overdraft facility, this overdraft expired on 21st december while i still owed just under the £1000, my problem is that someone has transfered money into my account £197 in error (the person is a friend who was…
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Halifax Tax Free Interest?
Well in true money saver style, I downloaded a form of the web for my HSBC accounts to make them not take tax from my interest as im under 18 and dont like qualify for tax. I have a Halifax account with like £2k in it, do you know where I can get a form to complete to tell them to not take tax from my interest? Thanks! -…
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fradulent emails-pls help
in the past 2.5 weeks I have received countless emails from 5 diff banks (apparantely) asking me to sign in with my details or my accounts will be frozen. Now number 1. I am not with any of those banks and number 2. they are all exactly the same but diff banks but words pics etc are the same. Obviously I have not…
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First Direct Free £100
Saw this and might go for it... £100 if you sign up for a current account and transfer a monthly pay amount (>£1500) into it. Anybody gone for this?
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Pin Sentry makes £1000 daily internet banking limit a nonsense
We've asked on various occasions for Barclays to increase our daily internet banking maximum transaction limit above £1000 and they've always refused on the grounds that this was a "security" measure. Now they've introduced the Pin Sentry system for all internet banking transactions, it seems to me that the security…
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Coventry First Reducing Interest Rates
I guess its no surprise but just had a letter from CBS, stating that from the 01Jan08, rate is going down from 6.35% to 6.10%
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Sterling Dollar Exchange Rates
Hi , dont know if this on right section, but Can anyone advise me on the best way to change money from the sale of my house in Sterling to canadian dollars, to maximise my money. Thanks Bob
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Newbie Question : What is an "Account Credit" entry?
Hi there, Just trying to sort out my bank statements and my finances before 2008 kicks in. I went through one of my CURRENT ACCOUNT statement and found an entry deposit at XXXX with details as Account Credit. I'd like to know what Account Credit means. I deposit money (cheque or money or a combination of the two). Could it…
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Joint Bank Account?
Hi All, My partner and I have recently bought our first house and we want to set up our first joint bank account to pay the mortgage and household bills etc from... We want to keep our own 'current' accounts and expect to each pay more than £1000/month into the joint account, from which we'll then pay our mortgage and…
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Best way to pay off Overdraft?
Hi all, I currently have a Barclays Additions Plus current account. My overdraft Limit is £1800 and I usually use about £1600 worth of it a month. I am now looking to clear it this following year. Barclays charge an EAR of 9.9% at the moment on my overdraft. What did you think will be the best way for me to clear it? I was…
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BACS Question - Where Does The Money Go?
I can remember years ago that your salary was always in you bank account just after midnight, or in some cases just before it. But not now it seems. The norm is now around 6am. My question is are the banks simply holding our cash and making more interest our of it? Is it legal for them to do so? Afterall 1 minutes past…
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Any switching deals out there at the moment
I'm fed up with Citibank telling me what I am allowed to spend my money on. Any other banks with nice offerings to take on my business at the moment?
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How do I budget?
Ok, I think this is going to make me sound a little stupid but I need help so I'm gonna ask anyway. My partner and I moved into our first home together in October and to be honest have just been spending without thinking these past couple of months but now, i know we need to work out a budget and stick to it because the…
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Joint account without the link on credit file
OH is going through a financial disassociation with ex wife (who has CCJs). He and I are looking to get a joint account for our emergency money but we don't want a link on the credit file. We're looking for the simplist of accounts with no borrowing facilities, can anyone recommend an account that won't result in a…
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Abbey cheque
Hi all, I just got a cheque from abbey payable to a third party drawn on my passbook savings account. They run the book through their system and it already shows the debit for the cheque amount. I haven't even sent the cheque to its recipient yet. What happens if it is lost before it is presented for cashing or if for…
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help with new current account
hi, I have been reading these boards for quite some time now, and have found that you have been very useful when solving problems, and just wondered if anyone could offer me some advice regarding my current account/ credit. I have not long left university where I was for 3 years and had a HSBC student account with an…
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Switching to Abbey Current Account?
Hi guys I wanted to find out if anyone has had any experience with using Abbey's transferring service: http://www.abbey.com/csgs/Satellite?c=GSProducto&cid=1127562791538&pagename=Abbey/GSProducto/GS_InfProducto It looks great that they'll do all the work but after reading posts about their service on this forum, I am now…
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Happy Homes Loans
New poster, hello everyone. My newly widowed sister is paying £60 weekly to Happy Homes who take care of all her financial outlays for bills, community charge etc. She is so nervous about leaving this dubious organisation that the rest of the family have tried to find out all the regulations about this company, with no…
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Visa Debit - just how long can they wait?
Hi, I just asked my bank what the rules/law was on just how long a company could wait before presenting a visa debit (ie delta as was) transaction for clearing into my current account. He couldn't answer, but said he knew of cases of a 6 month delay! Does anyone know the actual law around this? thanks Rob
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Barclays Current Account
Hello People, Not sure if this is the right forum to post the query. I am an international resident in the UK since January 2004. I arrived in the UK to do my masters and through my University, I opened a Barclays Current Account in February 2004. For some reason, since I am not a permanent resident in the United Kingdom,…