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Open a new account or use cash
My Husband and I want to set our selfselves a budget for our treats, like new clothes, meals out, magazines... I find that it is hard to stick to a budget using our current account, would you say therefore it is better to draw the cash for these things out at the begginning of the month or to open a basic bank account and…
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Sorry in advance: Rant about Halifax!
Just called Halifax on behalf of OH to discuss a DD they had returned which we had no knowledge of. On this call they removed the charge and cancelled the DD (which was great). Then the girl on the phone, explained that my OH had an Easycash account, which we were aware of (it's just for the bills to come out of) and that…
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Uknown transactions - anyone know how to contact Lloyds
I've noticed four transactions on my current account today that I don't recognise. I've clicked on the contact us bit of the website, but it's asking me for numbers from my four digit security number. I don't have a four digit security number to my knowledge, and when I've put in the numbers from a sequence I would have…
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Returned cheque...
Hello, probably a silly question but never happened before: Received a cheque for £5.55 from someone buying one of my items off E-bay, put into bank and said cheque would be available 22/08, however on 19/08 £5.55 has been paid out of account with 'Returned cheque' appearing next to it. The woman did contact me saying she…
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Just found a dormant account
My mum has just found an old post office savings book of mine from when I was about 10 and it shows £1.10 in there. Last entry was in 1986. Any idea what it'll be worth now? Also is it still mine? I mean, after so long would it be more hassle than its worth to try to draw it out. My name has changed (my surname) and my mum…
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Just found a dormant account
My mum has just found an old post office savings book of mine from when I was about 10 and it shows £1.10 in there. Last entry was in 1986. Any idea what it'll be worth now? Also is it still mine? I mean, after so long would it be more hassle than its worth to try to draw it out. My name has changed (my surname) and my mum…
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Praise for Lloyds TSB
I don't make a habit of praising banks and I will qualify what follows by stating that I remain firmly of the belief that all banks and financial institutions are like the spawn of Satan only more evil. However...they are a necessary evil. I have banked with The Woolwich for years, they were very good, but last May…
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Nationwide Card Reader
My account has just been activated to start using this card reader but I have already had to make a complaint to Nationwide about it. Firstly, I was unaware of the exact date it would be activated and was at work this week when I simply wanted to transfer money to another person's Nationwide a/c and was asked to use the…
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Abbey student account....help!
My daughter had an Abbey 16-18 account until she applied to change this to a student account last year when she went to university. They informed her that they had done this, and she thought all was fine. She got a PIN number but no new card, but she was still able to use her old one. Her student loan was paid in etc, etc.…
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Budgeting for the Big Spends
Dear moneysavers, I feel like I'm chasing my tail at the moment. As soon as I get on top of my finances, with a budget that looks manageable, i somehow sabotage myself. I've worked out the problem: I can budget for the small stuff very well: bills, food, commute, gym, toiletries, cinema trips etc... but the Big Spends…
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Hidden charge
Hello, this is my first post so thanks for listening/reading.:D I've got two HSBC current accounts one of which I've just had a 10p "debit interest" charge on. I know that that account never, ever, ever goes overdrawn so I checked the statement for the period they said I was overdrawn and sure enough no little "D". I…
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Australian trying to get a UK bank account
A friend of mine, from Australia, is currently with Barclays paying £6 per month for having the privilege of no interest on the current account. I suggested the Alliance and Leicester but that requires you to be a permanent UK resident. I was wondering if anyone knew of a bank that would be a) non-fee paying, b) Allow non…
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Advice re business account?
Looking for a bit of advice. Wife currently works 15-20 hours a week as a self employed alternative therapist. Has done this for past 3 years due to young family but we are looking to rationalise the banking side of things. Up to now she has just banked using her own current account but would like a business account to…
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Paying in foriegn currency cheque - cheapest bank please?
Hi, does anyone know which bank is cheapest for paying in a cheque in a foreign currency? I have one in Singapore dollars that's worth about £200 - but don't want to be stuck with high fees - I have accounts with most banks. Any suggestions welcome! Thanks
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Co-Operative or Alliance & Leicester !
Hi All, I am wanting to switch bank's this weekend, and I cant decide between the 2 above. I am currently with Halifax, and I have been for 15 years but I have not been happy for a long time with their service. Can anyone give me any information on the Credit Ratings these banks require ? Does one have a lower one than the…
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how long does a chaps or bacs take to go through
to an account. we are awaiting money into a nationwide flexaccount this way. thanks
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First Direct - Overdraft interest rate increase.
I've just had a secure message from FD informing me that the overdraft interest rate is increasing from 12.9% to 15.9% - with the first £250 remaining free. Did anyone else get this? I'm assuming it's a blanket increase on all current accounts. On a personal level, I don't use more than the interest free £250 amount, but…
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Quick question - Barclays Cheque
I received a cheque from someone and it's a Barclays cheque. My main account is Lloyds, however I do have a Barclays account, so if I pay this cheque into my Barclays account, will it clear the same day?. Thanks.
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Nationwide Overdraft Interest Rates
Hi All, I was wondering why, despite me paying my bills as late as allowed that the interest rate for my FlexAccount was going up rather than down. I only noticed today that my overdraft interest rate has gone up. It was 0.790 % Per Month, now it's 1.020 % Per Month. The change happened between my May and June statement.…
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A&L Unauthorised Overdraft
I have a Premier 21 account with A&L, with no arranged overdraft. Recently, when an unexpected direct debit was taken from my account, my "available balance" dropped to -£3.02 for a full day. I'm unsure as to whether this counts as an unauthorised overdraft as my balance was still well above this? Secondly, if it does…
