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Bank Charges
I have recently been struggling to keep my current account with Bank of Scotland within my agreed overdraft limit and as a result the bank have charged me £700 in bank charges since 01 July 2008! I have managed to get in top of it now but are they allowed to take this much? I understand they are entitled to charge you but…
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Barclays pin sentry
Do all banks use this security now?? I have just tried to transfer some money urgently to my wifes account in a different bank and because it's a new payment I cant do it :p :p:p:p becauseI don't have pin sentry :mad: I tried to do it by phone but that takes 3 days to transfer---wot a larf- my cash and I can't choose where…
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Natwest online banking security "upgrade" (NOT)
I logged on to Natwest's online banking this morning to be greeted with a message saying that as part of the next "upgrade" of the site, they will soon require a valid e-mail address for me, so that they can send me "important updates about products you hold with us" I have 2 problems with this: (1) I deliberately don't…
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Please Help Need Advice
hi im receiving income support and disability benefits . my bank tsb knows my situation , i took out aloan in april for a car 7,000 , then decided to do my home up, using overdrafts and credit cards , i called into bank and asked if i could top up loan instead of paying interest on overdraft and cards , my overdraft limit…
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CREDITORS BANK HAVE COCKED UP!! Can they puruse debtor?
My friend paid a cheque to a creditor in good faith and on time (not an insubstantial amount - it was £5k plus). It would appear that the creditor presented the cheque to their bank, who then lost the cheque before the funds were drawn on my friend's account The creditor's bank then made an agreement with the creditor to…
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Debit card payment has been submitted twice
Hi all, apologies if this should be somewhere else but its late!! Just been having a root through my current account statement and I have noticed that whilst on holiday in Cornwall a meal which I paid for back in June using my switch card has been used again for the same payment. Now, this at the time was a restaurant that…
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Student bank accounts
How can I obtain a student bank account whilst having debts which are under the credit councelling service control. Is there a way? I start uni this year and have been turned down for one account. Is there any point in trying any others?
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Moving to Uk, Advice Appreciated
Hi Everyone, I am new to this, so a big hello! and thank you in advance for any advice you can give, I am moving to the UK in a few weeks and I was wondering if.... It is better to lodge my savings with a UK bank then apply for a current account (Savings aroung £10k)- I was thinking Natwest Or should i just try and do it…
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Halifax easycash/ visa electron
Hi all, I have recently opened a Halifax easycash account with a Visa electron card, everytime i register my card with a website for shopping, i get an amount deducted from my card ( 50p- £2.50) when i phoned up to enquire i couldn't hear the lady properly, all i caught was that all the payments would go back into my…
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Basic Bank Account Refusal From Natwest
Hi I wonder if any one can help, my 28 year old son has tried to open a Basic Bank Account with NatWest and they have refused him, and he doesnt know why, he is not a undischarged bankcrupt nor has he been convicted of fraud, he owes about £1500 on credit card and store cards but that is all. do you think there could be…
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Are Barclays Liars?
I had a call from Barclays a while ago, they told me Id gone over my O/D limit by £3.50. They hadnt written or anything and this was the first I knew about about, so I was suprised to hear it was the collections dep calling. No problem I said and I gave them debit card details to bring it back up, The chap on the phone was…
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Current Account for 18 yr old - tips/suggestions?
Can anyone suggest a good current account for an 18 year old as the A+L premier is for over 21s as far as i can see. I am looking for an account offering a small 0% overdraft (to cover dds if there is a problem)? To be honest im not to sure what to look for, but i think this is what i need. I am employed by the way earning…
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Trying to close a CAHOOT account
Has anyone had any problems trying to close their account and credit card with Cahoot? I phoned them on Saturday morning and got passed round more departments than I care to think about as no one wanted to take a payment to clear off and close my credit card. And they didn't want to take a payment to clear my over my limit…
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Advice for a teacher
Hi this is my first thread though I've been with MSE for a while. I need some advice! In February my wife started back at work part-time as she had finished her maternity leave. The local council had not been informed she was part-time and began to pay her a full wage. After two months we realised what had happened and…
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can the bank do this?
Hello, I am having a little problem with my halifax bank account. last month i went on holiday for two weeks and when i returned i found 9 letters from halifax. When i opened them all i found they were all to make me aware i am being charged for a fail direct debit from paypal. Each failed ammount was under 10p and i was…
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Joint account, or seperate?
I have been wondering whether it is possible to make my current account into a joint account with my fiance, rather than opening another account as a joint account? Does anyone know if it is possible to make a single current account into a joint account? Even more optimistically, is it possible to join mine and her…
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Best for a joint account?
Hi all, I currently have 2 current accounts - 1 with HBOS and 1 with Lloyds TSB. My plan was join lloyds & pay off my HBOS overdraft and cancel it. However, we are now thinking of getting a joint account for the bills. Someone just suggested I can change my account to a joint one? Any thoughts on which of these two banks…
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Suitable account
Hi all, I currently have a current account from which I pay my monthly bills. My plan is to transfer a regular amount to a new account and all my bills come out of there, whilst still running my existing current account. Any money that is left over at the end of the month from my bills will hopefully earn good interest. I…
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Alliance & Leicester Premier Current - how can I get it?
I really want to open the A&L Premier Current account to make use of the 0% overdraft, but not sure I will be able to get it. These are my circumstances (below) - wondering if anyone can tell me how and when is the best time to apply to ensure I'm accepted and get the typical 0% overdraft.. Have been unemployed for three…
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debt/credit
beeb told that you can not use credit card in pub for beer unless buying meal aswell as it is against the law but can use debit card for either any answers pls
