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Budget Help!
Hi all I used to use this site a lot 2 years ago or so when I was in £15k debt, which I have now paid off! And have been living in a rented flat for 5 months, things are ok with money, but could be a lot better as am getting relaxed and not really following a budget, after some help please! These ar my income and…
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Direct Debit Error Query
Hi all, I have read through the D/D threads on here which have helped a bit but I still have a query: I just changed the payment date on my Sky tv/broadband D/D payments to the 1st of every month. Because of this, my latest bill said I owed £78 and I had to pay £68 immediately else I would be cut off. I paid this via debit…
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A&L "Choice" Account
Does anyone know anything about this account? I've had a letter from A&L suggsting that this might be a better account for me as I regularly exceed my overdraft limit. It's a new product and there isn't any info on the website. Any ideas?
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Unauthorized Halifax Direct Debit
I'm not a Halifax customer and I don't have any dealings with Halifax whatsoever. However, around £30 was taken by Direct Debit from my bank account by Halifax insurance as a first payment. I never authorized this direct debit and have never had any dealings with Halifax ever, so I do not understand how this could have…
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Lloyds Classic Plus 6% - is your interest correct this month?
Have the account and got it upgraded to the 6% when the improved interest rate became available. Then forgot about it since I was 'in the system'. First two months interest were better than before so assumed all was working properly. This month 02/08 interest credited seemed low. Since it's late & I'm bored & my O/H is out…
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IBAN code
Just wondering. If someone wants to send me money from another country i.e. sweden, do I need to give them an IBAN code right? Cheers
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Not sure how to put this.....odd question..
Is it possible for a government agency to transfer a large amount of money (say 30 million) to an anonymous bank account without any chance of the money being put back in the original account once the transfer is complete? By the way I am not planning to anything untoward here :rotfl: :rotfl: my dad asked me today as he is…
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Failed transaction shows on online statement
I recently bought goods in a supermarket with my debit card and the transaction failed ( problem with the till )so the cashier did it again and it worked . Checking my online statement it showed 2 transactions for the same amount , I queried this and was told that even though the transaction failed because it went for…
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partner made redundant- at wits end...
Hi, My partner was made redundant 4 weeks ago due to lack of work, and since then we have had a huge lot of bad luck.. Basically I had my son 3 months ago so am still on maternity leave, so I cant go back to work, my partner has been looking for and applying for jobs every day non stop since he was made redundant but just…
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citibank security uk
ok here goes i opened a citibank account 2 months ago 3 weeks ago started putting my child tax credits and child benefit into citi all was ok checked online money was going in ok. then i changed a couple of direct debits to come out of that account online they look ok today i go to atm to get £20 out nothing i thought…
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Overdraft and credit rating
Hi Can someone tell me which is better for my credit rating: Having and using an overdraft, Having an overdraft and never using it Not having an overfdraft I have an overdraft which I am currently using. I am now in a position in which I no longer need to use it but I don't know if I should contact the bank and advise them…
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HSBC lowered my Overdraft Limit without Telling Me!! HELP!!!
Hi There, I have just returned from holiday yesterday and checked my balance online, i was shocked to find that HSBC have decreased my credit limit from £1750 to £1500 without giving me any warning, this means with my £200 wage which i received today i am still -£1550 (£50 over overdrawn) this means iv got no money at all…
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Citibank Current Account Application
Hi guys, I have recently been turned down for a Current Account with most major banks, so a few days ago I applied for a Citibank Access Account as my last attempt to get a fully fledged current account. At the end of the application it said it would send my application pack out. This morning I received a covering letter…
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lloyds current account interest rates
I have a lloyds current account which I upgraded in july and it should be paying 6% gross 4.8% net. However checking my statement it is only paying 3.64% gross 2.91 net. I will be going to lloyds to find out why it has not upgraded my account. Maybe other people should check their interest paid on their lloyds account.
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I have a very strange scenario!!
Okay, somehow I managed to open a bank account with Natwest and get a credit card with Capital One under a different surname due to me unofficially taking my stepfathers surname as a young boy. After managing my money pretty poorly and in my uni days, my credit is pretty shocking and cant get a loan and even struggling to…
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Bank reclaiming overdraft
My girlfriend recieved a letter a week ago dated 16th july from lloyds tsb saying that on the 13th of august they will reclaim back her overdraft, which she uses and can't pay it back in full right away. does any one no if the bank can do this? and is their anything we can do avoid any charges? she went to see the bank…
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Bank asking for money back
I'm hoping someone could offer some advice for my Aunt. She had a joint account with her ex. They split up a few years ago and she requested to the bank that the account should be closed. The balance was zero. She got a letter this morning saying that her ex has withdrawn £600 so the account is £600 overdrawn now. As the…
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Do banks charge interest on agreed overdrafts?
Just as the heading says really. A cheque was paid in on Wednesday but might not have cleared yet, so if money is withdrawn against it will interest be charged even though it is well within the agreed overdraft limit? The bank is Lloyds TSB
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Statements...
Bank & mobile phone statements, how long should you keep them filed for?
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It's going to be a tough month this month
EEEEEKkkk after all bills have been paid (and I have already done a massive food shop and probably wont need much for the rest of the month) I have a grand total of £36 left for the month. OUCH! (Partly due to the fact that I have paid off my £200 OD - so I do have back up as I havent reduced my OD just yet!) Do you think…
