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What is the correct process for closing a bank account
Hi All, I am looking to close two bank accounts after consolidating all of our debt into one loan, which will save us a considerable amount of interest and free up money for things like a saving account. I would like to close a Natwest current account and a HSBC account. I have only looked at the Natwest website and if you…
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Help with nationwide
Hi, I currently have a flex account but would like to open a separate account just so that i can transfer all my outgoings into it so that i know what i have left each month,the new account would have to be able to use DD's and standing orders. ive tried to get another flex account but because of my bad credit rating it…
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Abbey versus Alliance Leicester
Seeking a backup current account. What's important to me is good customer service on phone or in branch good online banking normal facilities like chq guarantee card, chq book don't want to pay in much more per month than £700 reasonable interest rate but interest not all that important possibility of small (like £250)…
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Problems with Nat West
My brother and his wife have an account with nat west. They also have a bank loan from them. The account is currently overdrawn but is within the overdraft limit, but last week they missed the payment on the loan. Today, their child tax credits has been paid in but they are unable to withdraw it. When they called nat west…
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0% overdraft needed
Hi I was hoping some1 could reccomend a current account that I could apply for that offers 0% on overdrafts? the reason for needing this would be to pay off a credit card with the overdraft . thank you :o
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Why are Lloyds doing this?
I've got a second current account at Lloyds (my main one is at HSBC). It is a Platinum current account with some sort of interest paying thing on it called Advantage or Advance. At present I am working 2 jobs and so have two streams of income. Approx £4000 a month has been going into the Lloyds account by BACs. I keep a…
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Barclays help?! please
ok so i had an account with the woolwhich which my gran opened for me as a baby (am now 21) woolwich has since switched to being barclays. I only discovered i had this account about a week ago. So i set up online banking for it, and opened one of their E-Savings account, with a standing order set up to transfer £1 every 3…
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The actual banking day in hours
I just want to rant really !!!!:mad: Does anybody know how it was decided that if you had a direct debit coming from your account that the money had to be in day the before? as the banking day starts at midnight and if your money isnt in there and then they wont pay it. I always thought that the banking day would include…
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money gone from new current account
Hi all, I have opened a new current account with Halifax, got the all clear yesterday so transfered £100 from my FD account to my new Halifax account. The transfer was recieved and showed on my halifax online bancking screen. When i logged in today, it has gone to £0.00 again?? Have not as yet had chance to pop into a…
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Littlewoods Catalogue fraud query
Right chaps, apologies if this isn't the right area for this (there doesn't seem to be a section for pay weekly options, so budgeting seemed apt). I've been mulling it over for a couple of weeks, and now I've decided to see what the learned folk of MSE think. I looked at my annual credit report file recently. It details a…
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Natwest and overdraft saga!
I applied for a Natwest account online with a £500 overdraft and was accepted, I received the paperwork and went into the branch with all my ID and bank statements to open it in the branch to make it quicker, they couldnt find my application so had to do it all over again despite having the paperwork in front of me. Again…
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Barclays Charging from 'Cleared Balance'
Has anyone else had problems with the new Barclays charges specifically now charging from your 'Cleared Balance'. Queries and solutions here please!
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Cahoot cheque processing
I recently had two big cheques sent to Cahoot - big mistake. One was sent on Thursday. The cheque was credited on the following Tuesday. The second one was sent 1st class on Monday and credited the following Monday! I am not talking about cheque clearing times. Is Royal Mail really that bad or were the cheques sitting in a…
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Cheapest way to send money abroad?
Asking on behalf of a Romanian student - what is the cheapest way to send money abroad? - in her case to Romania? She is wondering about opening a bank account here with HSBC, where her employer (she's an au pair) banks, and then transferring it through the banking sysem back to her Romanian bank account? Can she do this?…
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bank payments
some money was paid into my bank account by mistake.i informed the bank.do i have to pay this money back.
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A&L Current Account Query
Hi. I have been with A&L for about 2-3 years. Recently I have been contemplating switching to an account with a better rate of interest. I haven't been able to find the current rate of interest on my current account - though judging by the current offer to new customers at A&L after one year it switches back to BoE Rate…
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Second Current Account
I am looking for a second current account to have my second job wages to be paid into. I am looking for a card that offers: -Free internet banking -must be a visa / electron card-some online sites don't accept solo I hope some of you guys will be able to point me in the right direction.;)
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Savings account for costly xmas 09
:o :o :o I know, I know, I hate the fact that I even have to think about this time next year but we will be facing a costly christmas next year as we know we will have large amounts of family visiting and we are a family of 5 ourselves on our own!! So, mindful that a couple of years ago Bradford & Bingley had a blinding…
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Halifax current account direct debit transfers
Hi, I have had a Halifax current account for about 25 years. It is not my main bank account and I use it infrequently, but I have just been offered (and paid) £50.00 to transfer just ONE direct debit from my main bank account (Lloyds). Has anyone else received this fairly generous offer? The Shy Tall Knight.
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"Dispute Resolution" letter from HSBC - but I have no dispute?
Got an additional page tacked on to my monthly statement, saying: "If you have a problem with your agreement, please try to resolve it with us in the first instance. If you are not happy with the way in which we handled your complaint or the result, you may be able to complain to the Financial Ombudsman Service. If you do…
