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Easiest to get current account?
Hi all, Basically my friend is fresh graduate and didn't have a student account, so hasn't got any credit history at all. I recommended First Direct to him because I like their customer service, but he got refused promptly. I don't want to make too many applications in case that further reduces his credit worthiness. So I…
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HSBC Fast Payment IS RIGHT HERE, RIGHT NOW!
I've just made a bill payment via HSBC Internet Banking and to my surprise after submitting my payment details the screen showed "Your payment will be received by the beneficiary within 2 hours". I was slightly confused and thought I have just made a CHAPS payment however this was not the case as I have not been charged…
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£300+ charges for an account never used
Hi! My partner is on benefits he had a Natwest step account that he had no problems with. Everytime we visit our local branch they always ask if you would like to upgrade your account? One day about 10 months ago my partner enquired about this upgrade. The lady he spoke with told him they would like to offer him an…
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Current Account advice
Hi, I am currently looking to open a current account. In September of last year I was made bankrupt, I have jus been discharged early after 7 months. I am now wanting to open a new bank account. I havent had a bank account since declaring bankruptcy. Am jus wondering if anyone has any advice on some of the best…
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Cross Cheque - No Account
My brother has just recieved a UK cheque crossed and written for him, however he doesn't have a UK Bank account as he lives in OZ. (His Oz bank won't process UK Cheque) What are his options for getting the money? can he lodge it into another account?
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Paying off student account overdraft
Hi all, Hoping this is the right place to post! My OH has a £1,300 overdraft on his current account (it was a student account). We are now applying for an Alliance & Leicester joint account (the one Martin recommends). Problem is at the moment his o/d is interest free as he keeps paying money in it (or thats what he seems…
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Paying of loan
I am in a position to pay of my loan and rang my loan provider to ask how i go about it.They told me i had to do this through my bank by something called chaps,any how i said ok can we do this today and was told yes but it would cost me £20 to do so,i refused to pay and told them there must be another way to pay but they…
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Major Credit Report Issues - UPDATED!
Hi, I have just received my Credit Report from Equifax. I had a quick look through it and noticed that every application that my brother has made in his name shows up on my file, it also shows his credit card payment history! Now despite the fact that me and my brother know about each others money, it should definitely not…
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Allaince Prem Current Account ?
Does any1 out there know when allaince and leciester credit check or credit score for ie accounts, loans etc which company do they normally use is it experien,, eqifax or the other one i cannot remember lol ? plz help i have an premier accout with them a little surprised as i owe 20k debt which i am paying off via dmp and…
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SMILE - £10 charge for each old statement page????
Hi - just doing my accounts as am self employed and my accountant would like to see the year's bank statements. My former accountant never asked for this but it makes sense in order to be thorough and not get a nasty surprise later from the IR! However, I'm with smile - apparently they only keep a year of statements online…
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Hsbc
I applied for a new bank account with HSBC, and to my surprise they have not searched Experian or Equifax, they have used Call Credit where I have quite a good score with, I don’t know if I have been accepted yet but it looks promising. Just thought it would be a useful piece of information to anybody thinking of shopping…
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Refused payout for PPI Reclaim, HELP!!
In 2004 I took out a £6000 loan with Alliance & Leicester, this was done through the internet and forms were sent to me, i didnt really read through the terms & conditions properly but nothing appeared to be clear about the PPI. The PPi hasnt been any use to me whatsoever and therefore after paying off the outstanding…
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Budget account to spend from?
I was on the phone to Lloyds TSB today and the girl talked about a Budget Account which I could use for my own spending on food, leisure, petrol, etc - just day to day spending. My current account with Lloyds could be used to pay all my bills. Does anyone have anything like this at the moment? Do you set up a standing…
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Lloyds TSB Under 19s acc - Debit card now from age 11
Hi, LTSB Under 19s account now comes with VISA debit card for everyone aged 11 to 17. This was previously available for 16 years+. http://www.lloydstsb.com/current_accounts/under_19s_account.asp Existing cashpoint holders will be written to in due course to advise of an upgrade to a debit card.
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Halifax charge for receiving chaps payment
Having being working in Dublin for the last 8 weeks, the local office is responsible for my expenses, as opposed to my office in the UK. After putting in my claim my company paid me via a CHAPS payment, for which they say they have taken the charge for, as agreed. When the payment appeared in my bank account it was £12…
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How can i budget my OH's spending???
Hi all.....I dont know if i am writing this in the right place so apologies if not... My OH earns very good money, but he has absolutely nothing to show for it....I am forever taking money off him and putting it in savings which he is happy for me to do but if he has money he has to spend it all straight away leaving him…
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Just for Fun Poll: What's your agreed overdraft limit?
Mine's £1000 and it's interest-free :rotfl:
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insurance mis sold
has anyone been missold and barclaycard are messing me around, can anyone tell me if they have had there money paid back. ppi i was not working at the time. p i also cancelled it last year can i still claim it back? thankyou in advance
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credit card blocked - current account with same organisation - help!
I am just wondering if anyone knows the likelihood of: 1) getting accepted for a loan to consolidate my overdraft and my credit card within the same organisation (Nationwide), when the credit card has already recently been blocked because I missed a repayment one too many times and I am at a stage where I am expecting the…
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Nationwide's further attempts to recoup money
From 1st of August : a)Cash Card accounts will earn flat 0.1% interest; b)Debit Card Flexes will be tiered as follows: 1500+ ->3.5% (balances over 3000 revert to 0.1% again) 1000+ ->2% 500+ ->0.5% <500 ->0.1%
