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Hsbc Behavior Score And Overdraft
I have a HSBC Bank Account at the moment with an overdraft of £1500 interest free and a savings account with them. However I only recently opened both. I want to get a credit card from them later on. The questions which I was wondering if any one could help me with was: - as I do not use the overdraft does that mean that…
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Credit card versus debit card ,a bit of advice
I recently bought a Blanco sink from an internet retailer for over £800, they kept fobbing me off with a delivery date, until about a month later I got an e-mail to say that the company had gone in to liquidation. Luckily I had paid with my credit card which has an extra clause covered under the consumer credit act, which…
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£10k in saver account or 2x£5k in mini ISA's
Any advice greatly appreciated. Me and my partner have just had a windfall and have £10k (after we paid off debts). We will probably spend it within the next 18 months but I'm looking to get the most out of it while we have it. I can't work out if I would get more from putting as one lump sum into one of the top instant…
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fraudulent use of maestro card: bank won't refund me for 6 wks
I got a call last week from my bank's fraud dept (Clydesdale) asking if a recent transaction of £1300 to dabs was all right as they thought it was suspicious. It was fraud, so I stopped the card immediately (maestro card). I went into the bank/branch and filled out their fraudulent use papers etc, but they will only credit…
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'Holding Accounts' Advice needed please.
Good Morning All! - Mods please feel free to move if i have whacked this post in the the wrong forum... I purchased 2 dresses from coast last Monday... Cost £250 or there abouts. I attempted to make the payments online with my Barclays Debit card, the transaction was declined, and i was advised to try again, did so, and…
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French bank account
moving to France in August..... What is the Best way to transfer money (pension) to the best French account without being penalised with bank charges? Please help!
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The Piggybank Technique
Just a quick few questions about the Piggybank technique... (this quote I've taken from the main MSE website). OK - so using the example from the website, say that I want to set up accounts for Bills, Food, Big Purchases, Holidays, Christmas and Savings. Am I then able to set up 6 accounts with the same bank to achieve…
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Am I geting Abbey's 8%?
I've been banking with Abbey for years now, and always in credit, getting I assumed 2.5% interest if £1,000 was paid in per month. But looking at their website it only lists this 8% interest (as long as £1,000 is paid in each month). I deliberately transferred the money from this account on a regular basis to a what I…
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Halifax statements help!! It's a long one - sorry x
My partner divorced years ago, but never finalised the financial issues... Despite getting everything, the PBFH is now trying to claim his pension. It's the only asset he has left, as he is still paying the loan off that he took out to get rid of her in the first place. She has new partner and they now have plenty of…
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Alliance & Leicester Plus account
we switched from Nationwide to A & L as Martin recommended it on numerous occasions, but obviously he does not have an account with them. we opted for the Plus account which is Internet based. Unfortunately what we are not advised is that the technology used on their website is light years behind and ancient. With my…
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Alliance Leicester Premier 21 Account
Does anyone know if interest for this account is paid monthly or annually? I'm sure I saw on the website at the time of application that interest is paid monthly but when I asked in the branch they said annually.
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Problems opening a HSBC reg saver
My HSBC regular saver has just finished - so I called up to open another one and they wont let me have one! After a long drawn-out application (including questions as to whether I have debit and credit cards elsewhere??, which i do), the guy on the phone decided to look through my bank statements and claimed I didnt pay my…
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Account for bad credit history with no access to branches (internet only?)
Hi Guys, I have recently started a new career after a bad patch of a few months following redundancy, and as such I now have a truly terrible credit rating. I am just starting as a Long distance HGV driver and as such have no time to get into branches to organise things, and as my breaks are regulated I can only ring up…
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Halifax Banking
I joined the Haifax in 87 had the old Maxam account the current account with interest, changed to the new higher interst account last Dec looking at my statements to find i have not had interest as promised lots of money gone throgh the account so i qualify for the interst, called them and they said actually ive had no…
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Wanted : Advice on Direct Debit Cancellation
Hi I purchased a new washer a few weeks ago and at the time of sale, I agreed to take out accidental damage insurance for around £6.00 pm. When I recived the policy documents, I decided that the insurance wasn't what I wanted so I just deleted the direct debit with the bank (didn't inform the company of my cancellation…
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I got someone else's letter from Natwest...
Hi guys, I'm a bit puzzled as to what to do about this - I recently set up a payment arrangement with Natwest to get my overdraft cleared, and when I got it confirmed to me in writing, there was someone else's plan in the envelope with mine!! Now I know I should forward this onto the correct person (and I'm going to, first…
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RBS Royalties Premier
Good afternoon, I hope somebody is able to help / point me in the right direction. I am an RBS Royalties Premier customer and accordingly pay £12pcm, I just called member services to find out if I can insure my phone with them and was told this is not available to premier customers only the ones "below" that, gold and…
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Finding a new current account... help?
Hi guys! I've been a Natwest customer for about 4 years now on their most basic Step Account. It involves a Solo card, online banking and the rest of the usuals. I'm the only name on the account and my wifes wage gets paid into it. Everything we have and spend goes through this most basic of accounts. Now, for the longest…
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Bank Account To Use Overseas?
Hello, My brother is currently in Seoul teaching english. He has a Bank of Ireland current account but cant use his ATM card in Seoul. He is relying on using a credit card. However being charged £3 each time he withdrawls cash and also almost 17% on purchases this isnt ideal. Could someone give me the name of a bank in…
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Is it wise to open 2 current accounts - Alliance and Leicester
I have always had an HSBC current account which enables me to save up to 250.00 per month at a high 8.5% interest rate with their linked regular saver account. The interest on their current account is rubbish but to save the hassle of changing banks I was thinking of opening a second current account i.e. Alliance and…
