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Charged for not depositing any money into current account!!!!
Last May, I opened a current account with HSBC as I was so unhappy with the way that I was treated by Natwest bank. I have a loan with Natwest which is being paid via a debt management plan (DMP) with the CCCS. When Natwest agreed to my DMP, they asked that I return my cheque book and card. That was fine by me as by this…
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Bank Error - Compensation Sought
I ordered a new cheque-book and then telephoned because this had not arrived. It then arrived but, unknown to me, when I’d rung the bank stopped the cheque-book and issued a new one.><O:p></O:p> <O:p></O:p> I then found out by chance (the bank hadn’t contacted me) that 4 cheques I’d issued had been stopped by the bank. I…
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Society account
I've recently taken over as tresurer of a small golf society. The Society currently has a HSBC account which pays no interest. The account normally has between £1,000 and £2,000 in it. It is never overdrawn. The members pay into it before each game which generally means there is a monthly income between March - October but…
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Bank Loyalty - HSBC
I've been with HSBC for 13 years (since it was Midlands), and I've never had any issues with them. I feel nervous at the thought of moving my account to a higher interest one (like A&L or Halifax). Is there any justification to my hesitance - or am I just playing into their hands?:confused:
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overdraft hell
hi all please can anyone offer some much needed advice i have an advantage gold account with natwest which i wish to cancel, i also have a £2000 overdraft on that account the charges are something like £35 per month. my question is i would like to clear my overdraft i looked at transfering to a credit card if i can get one…
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Lloyds tsb current classic account
Hi I have a lloyds tsb classic current account is it bettter to change and who should i go with Regards Hayley
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Halifax Easycash
We currnently have Halifax Cardcard cash with Electron Card and want to split our money into an account for Direct Debits and an account for groceries and day to day money. This needs to have debit card as well and was thinking of a Halifax Easycash. We cannot get a current account with debit card asjust finsihing IVA so…
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New (old) charges from Alliance & Leicester for withdrawing money!!
Just received this notice from A&L :mad: IMPORTANT MESSAGE(S) Changes effective from 1 June 2008: - ATM usage abroad will incur a 2% (minimum £2) fee. - UK non-LINK ATM usage will incur a 2% (minimum £2) fee. - Withdrawals/Purchases abroad will incur a 2.95% conversion fee.
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Barclays changing its deposit policy without telling us?
For the last x numbers of years, Barclays has allowed its customers (well, me anyway) to withdraw cash against deposited cheques. Suddenly, this week, I found myself unable to withdraw cash against a large cheque banked last week (before it officially cleared) and visited a branch. The teller & his manager kept saying how…
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Terms and Conditions of Halifax High Interest Current Account
Hi, would anyone be able to point me in the direction of the full terms and conditions of the halifax high interest current account? I would like to check if there is any clarification of "paying in £1000 per month", i.e. is there a requirement that this is a BACS salary payment. Thanks for your help
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What can we do?
My husband has been on my bank account with me for 2 years. A year ago he tried to get a debit card for the account but was declined. To be fair we were often overdrawn at the time so we thought fair enough. Today he tried again to apply for a card with £50 withdrawl limit and again it was declined! We now have our account…
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Phasing out of cheques
I am a little concerned about the phasing out of cheques by both the banks and companies. With a cheque if you specify a specific term on the back of the cheque that can be enforced in a court of law. A payment by any type of card does not allow for this and an important safeguard for people is lost. Some examples of the…
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Is HSBC going to Switch from Maestro to V Pay?
The British Retail Consortium has reported that HSBC will "force Visa debit cards on its UK customers" which is turn will cost "traders an extra £25 million a year in charges" http://www.brc.org.uk/details04.asp?id=1346&kCat=&kData=1 Well since traders will surely pass the cost on to us why is HSBC going to Switch their…
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Abbey - Terrible Story
Hi All I have a tale to tell about Abbey and I wonder if any of this has happened to anybody else. In October last year, I applied for a current account with Abbey online. They had major computer and software problems and decisions were taking six weeks. In December, I finally found that I had been declined but offered a…
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A bit confused..
Today I rang my bank with a query on my account, its a joint account with my husband and has been for about 2 years, his names on the statements, chequebook and online banking. Anyway I did the security checks with my passcode etc and got through to customer services, he put me on to another woman who went through some…
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Switching bank accounts
I have got a large overdraft with my current bank and am paying quite a lot of interest on it as I am in my overdraft constantly. To try and improve things I applied to another bank on the internet that offers lower fees - they have switched all my debits etc but now they cannot offer me the same overdraft as my current…
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Lloyds TSB - Amazingly ridiculous account closure - Any Advice?
I got 3 letters at the beginning of March from Lloyds TSB (all 3 were exactly the same, one for each account). I have a student account, online saver, and a classic account. The letter stated that Lloyds TSB is no longer able to run a bank account for me and that they would be sending me a cheque in one months time. No…
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Direct Debit Help
Got a serious problem with one of my DD's with Egg Money. Last week I switched my DD on line to First Direct, now the DD is now showing live on my First Direct online Banking as of Yesterday, but Egg are saying there is no Direct debit set uo with them anymore and that it has been cancelled. So have given them my details…
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Accounts for child age 1
I wonder if anyone can advise on a good account for my 1year old son. I want to teach him how to be good with money (not like his parents). So I would like to be able to pay his pennies from his jar into it. I originally was going to pay pennies into my account and send a cheque off to his child trust fund account. But my…
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Debit card question????
Sorry if this is the wrong place........... Don't know if anyone will know the answer but...... on march the 15th I brought myself some fab new shoes from the new office shop in canterbury on there opening day well I paid by visa debit card from my normal account but as of today I still haven't been charged for…
