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HSBC taking longer to clear cheques.
I pay a cheque into my local HSBC branch on a Monday before midday and I can draw on the cleared funds on the Wednesday. I now find that over the last month that the cheque is not cleared until Thursday. Is this just another way for the Banks to make money in addition to the new £25 overdraft arrangement fee HSBC are now…
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Unauthorised Overdraft Query
I’m sorry if this query is dealt with in another thread, I couldn’t find it. I checked my accounts resently and noticed that once had plenty of funds and the other was very low. I needed some cash so went to the cashpoint but stupidly took money from the wrong account putting myself £21.14 overdrawn. I didn’t realise my…
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Bradford and Bingley
Shares holders to be asked for money http://newsvote.bbc.co.uk/1/hi/business/7399889.stm Shares at an all time low http://newsvote.bbc.co.uk/1/shared/fds/hi/business/market_data/shares/3/23146/twelve_month.stm
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A&L Premier Direct - interest rate less than 1%
My A&L Premier Direct account just switched to less than 1% interest from what was 6.5% until May. And annoyingly I can't open a new premier direct account with them as I already have one!!!! That means, I need to switch my bank again!!!!!! I am changing job in June, so will have to wait until then to switch it as I…
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Banking a cheque in Euros?
Hi, had a quick search on here and on Barclays but didnt have any joy. We were due a refund after paying by credit card and the company have sent a cheque. Not usually a problem but the cheque mentions the Netherlands (but an english address is also on it) and its in euros. Can I bank as usual or will I be charged for it?…
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Halifax, can they really do this
The problem is I have 2 accounts with Halifax one is a cash card and the other is a Current account, Unfortunately around two months ago I became over drawn on my cash card, It now stands stood or should I say stood at £131.00p which included Bank charges. When I first became overdrawn they sent me a letter within a matter…
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Low Exchange Rate - I think NatWest is profiteering!
Hello, I am in the process of completing on a shared ownership flat. My father agreed to give me 20k towards my deposit. Because he is German he was going to transfer the money into my NatWest account. He transfered 25500 Euros, expecting the interbank exchange rate of 1.25. However in my bank account £19783! Which is…
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SVV2 on back of debit (and credit) cards. Why???
I've just received my new debit card. So like my previous one I've made a separate note of the SVV2 code (three digit code on the back) and then scratched it off the card. Why? Because as far as I'm concerned printing this number on the card is almost equivalent to writing your PIN on it. Which banks have always rightly…
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How easy to.. bad previous experience
Having looked at this site for the last few months or so, I'm tempted to switch my current account away from Natwest. A few things though, 1. I would want a bank that I can go into, ruling out first direct 2. How easy is the process, I'm thinking direct debits/ebay/paypal etc etc 3. Would this effect my credit rating e.g.…
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Moving money and closing account
I've signed up for a Alliance and Leicester current account. Its all active and ready to go. I'd like to transfer my current balance on my Halifax current account to this new AL account. I've only got one direct debit so I can sort that manually. Whats the quickest, easiest and freeest way of moving the money (£XXX) and…
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16 Years Old - Best Account?
Hello! What would be the best account for me? I'm 16 years old, and currently have a HSBC MyMoney account for Under 18s. I earn around £100-300 a month, and currently use my card quite a lot! :rolleyes: Would I be best swapping for a better interest rates/cashback offers? Thanks =) Stephen
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opening a bank account
I am trying to open a bank account with first direct (HSBC). I took them 2 months to request more identification but could not specify what exactly. No finally my request was refused as my credit rating is not good. I have asked the bank to publish these findings but they do not do it (on the grounds they do not possess…
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Experian not replying to my complaint.
Hi, a month ago I obtained my credit report and everything was clear and settled apart from my alliance and leicester current account which was showing two 2's instead of zero's. When I looked at the meaning it said I had missed two payments. But I hadn't as my wage is paid in and bills go out, no payments missed on…
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Lost Lloyds Visa Debit card after upgrading - What will I get?
Hi Im with Lloyds TSB and have recently upgraded my account from an 'Under 19 Account', to a 'CurrentPlus Silver' account because I turned 18 and the bank said it would be better to do so. Anyway for the past 2 years Ive had Visa Debit Card, the Blue and Green one which you have all probably seen. Unfortunately I lost this…
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When does Monday begin before 9pm Sunday?
When does Monday begin before 9pm Sunday?:confused: Answer - When you bank with Lloyds/TSB :eek: I had written 2 cheques for £3,600 (ISA's) and one for £583. The money had not come out of my Lloyds TSB cheque account on friday so i thought I would transfer from my cheque account to my Lloyds/TSB online saver to get a bot…
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Nationwide internet banking - can't register???
I was just wondering if anyone else had problems trying to register for Nationwide internet banking. I first tried to register mid April. We have a mortgage with them and wanted to view the details. Haven't recieved anything, so gave them a call. They couldn't even find that i was trying to register and told me to…
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nat west current account - bank statement query.
hello! just a quick query - i've got a £50 overdraft with nat west. i was checking my bank statement earlier and my balance is -£7 but i have £25 available - does this mean i'm £7 into my overdraft or i have £25 remaining from my overdraft? i never use my overdraft usually, but this month i've had to wait an extra month…
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Has my friend been given dodgy advice or not?
Hi, wasn't sure where to put this one so feel free to move if appropriate! A friend of mine recently lost her job, and has been receiving Job Seeker's Allowance. Upon checking her statement last week, she saw she has been debited two lots of £150 for bank charges as she has gone over her overdraft due to direct debits…
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Opening First Direct account- not yet on electoral roll
Anybody know chances of opening FD current account without being on electoral roll? Lived in my current house since Nov 07 but not got round to registering on electoral roll. Have filled the form today, but council can't put me on til 1st July All my other accounts addresses have been changed and my experian report shows…
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A+L makes charge every month for 2 years
Hi. I would appreciate your opinion on this scenario. In Jan 2006 I opened an A+L premier direct account for my father as a refer-a-friend grab £50 objective. The criteria were met and the incentive paid. I then closed the account. Last week, whilst investigating another account with A+L, my father was told the premier…
