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abusive account handling
someone at my bank commented on the fact I've never had any bounced cheques or unpaid DDs/SOs and never incurred any charges or gone over my OD limit. She said this like it was some kind of achievement that I'd not done any of these things. But I'd have thought that unless something terrible happens (like you get made…
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Barclays ex Woolwich account holders beware! Salary rejected on BACS pay in…..
We were Woolwich account holders who were transferred over to Barclays in May 2007. Barclays said that they would transfer all the business (standing orders, direct debit, salary payments, etc) from one account to the other & it would be hassle free. For 18 months no problem, then today my wife’s November salary payment…
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minimum pay in question
Hi, I was always a bit unsure of this so I was hoping someone could clear it up for me. When a bank account has a minimum pay-in every month eg. £1000. Does this have to be from an external source? I am guessing yes. So you cant say transfer it to another account with the same bank and then pay it in again to make up the…
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Online Banking question
Hi, I hope this isn't a dumb question.. I have recevied my replacement card (and missed out on item I wanted-it is now sold out again) and was wondering if the pin you use online becomes the pin you have to use when withdrawing money from a cash machine? On Sunday , the machine kept telling me that my pin was incorrect but…
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Abbey Ongoing Problems
Hi Guys I wondered if you might be able to help me. I have been with Abbey for 15-18 years now, however the last few years with them have been nothing short of a nightmare. I wont bore you with all the stories, but I moved house 1 and a half years ago, I had to fill in 6 change of address forms before my address got…
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Use overdraft to pay cards?
Hi, I am new to the site. I have a bit of a dilemma....I have a fair amount on my credit cards, and i was wondering....should i go further into my overdraft and pay the cards off sooner...or clear my overdraft before concentrating on the cards???? Its difficult to know what to do for the best, i am particularly anxious as…
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Overdraft charges
I have recently gone 35 pounds over my overdraft limit for various reasons and there is no way I can pay this back for 2 weeks. I know this is my fault but there was no other way. The bank (Lloyds TSB) are saying that they will be charging 15 pounds per day up to a maximum of 150 pounds per month, which I think is…
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I Don't Want Barclays Pre-Approved Offers
As a self-confessed gambling addict who is desparately trying to go 'clean', I have today visited my local branch of Barclays to plead with them to stop giving me pre-approved offers that I can acquire via the simple click of a button when logged into my online account. I was told by the Personal Banker with whom I spoke…
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In a mess with A&L
I am in an utter mess with my A&L account. I have got 2 current accounts with them one has got a £250 overdraft and the other has got £350. At the time I opened them I needed 2 accounts - 1 for the bills and 1 for spending money. However I need to put in a minimum of £500 in each account per month but due to a mixture of…
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Royal Bank of Scotland Royalties Subscription Charges
Hi my missus has a RBS Royalties account, but doesnt know what she gets for this. She pays £6.95/pcm and has been doing for the last 8 years ! I done know why, when I ask her she just says "Oh I dont know what I get for it, I'll have a look one day" So, Im like "WHAT???????" I want to know why the bank are taking this…
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bank cards
I recently converted my Route 15 RBS account, to the Revolve account. About 3 weeks ago, I received the welcome pack, yet I still have not yet received my card. Roughly, how long do they take to arrive, and should I do some serious checking up for the card?
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Yorkshire bank Maestro card image request
Does anyone out there have the image of the "full" maestro debit card at yorkshire bank, ive got the one with ut the cheque guarantee but i want to know what the one with the cheque guarantee looks like. Thanks in advance.
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Switching to the Clydesdale - Wise or Unwise?
I currently have a current account and web saver with the Bank Of Scotland (HBOS). I'm not looking forward to the acquisition by LTSB so am thinking of switching banks. I'm far from an expert on these matters, but it seems National Australia Group have been less affected by the credit crunch (and hence the Clydesdale) than…
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What is ABL? I'm told mine is £14000 but have no idea what it is
While at HSBC today I saw some paperwork on the desk that said ABL Offered: £14,000. I asked the Advisor what that meant and she said it is the amount the bank is willing to lend me. I sort of laughed and said, so are you gonna hand it to me in a huge sack then right now? She laughed along but did not really explain. She…
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Visa electron/ visa connect
Hi i'm new, so here's for a first post. I've got a barclays visa connect visa debit card. I want to apply for a debit spread deal on some stuff....on the compnays website it says the following: We take payments monthly using a current debit/credit card (except Electron, Solo or American Express). Is my connect card an…
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Overdraft Recall
:mad: Hi The Alliance & Leicester have just sent me a letter stating that I no longer qualify for their overdraft facility and need to pay it back in 30 days! I simply can't do that as it is £1000. What can I do? If I organise to repay it in installments (which I'm hoping) can they charge me interest on it, or just pay…
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Advice - Money paid into the wrong account for months
Hi, Posting this on behalf of a friend who as asked for some help. They know someone who set up a standing order (afaik) and had the sort code and account details off the person who was requiring the payment and then set the payment up. Now 4 months later the person they were paying (a small business) has asked for the…
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Problem with getting personal account as joint account is overdrawn
A friend is facing a marriage break-up. He and his wife have a joint account only, with an overdraft of about £5,000. That bank is unwilling to let him have his own account until the overdraft is paid off. However, he needs a personal account to handle all the expenses (direct debits, etc) relating to his new home. Any…
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Reducing Overdraft- Help Please
We have received a letter today from Barclays saying they are cutting our overdraft from 1,500 to 750 in 35 days time........ i understand that out overdraft is large but we have been working hard to clear our debt but we are still using about 1000 of it a month, we have tried to call the number on the letter and it is…
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HSBC get my vote! Woo-hoo!
i opened an account at hsbc just under 3 months ago. i've had problems getting started on the credit ladder because i didn't have any credit history plus am not on the electrol register until december. at account opening, even tho i had nothing on my credit file at all, hsbc gave me a plus account and an OD limit of over…
