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hard sell from the banks
* Each time we go into our local bank and to pay cash in we get the hard sell re the banks annual review of customers and to see one of their advisors. We say no thank you. Then a few days ago we got a letter saying our O/D facility has been reduced from £1000 to £250 not a problem to us as we have not used it for ages.…
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Egg Money Manager incentive
Just a cheeky question, really... My wife uses Egg Money Manager and we really like it. Could do with setting it up on my Egg account. I seem to remember from time to time that Egg offered incentives to start using this service (£10, maybe?) but they're not doing this at the moment. I'd be gutted to set this up now and…
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Natwest Student Account
I am a student, in my first year and i am struggling for money, as i think we all are come the end of the first semester. I handed in an application for a student account with natwest a week ago, and I was told in 2-3 days I would recieve my account details. I havent recieved anything. I am really starting to panic about…
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2 current accounts?
Is it ok for me to have two current accounts? I already have one with the Yorkshire bank but would like to open another one to keep money in for spending on my hobby to keep it separate. G
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Help - can my bank do this?
Hi guys, Sorry if this has been covered, but couldn't find it through search... I have a big problem and don't know what to do, I have a loan with Welcome Finance (mistake to begin with), and following advice from Consumer credit counselling service, cancelled my direct debit and sent them a letter as I couldn't afford to…
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allianceleicestersucks dot com
appears to take me to the main a&l site does anyone know if it's dodgy ?!
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Direct Debits taken from closed account
Hi there. 5 years ago I closed my account with Barclays. I zeroed my account and thought nothing more of it. Since then the bank have never sent me a statement or a card etc. Today, I get a call from a debt collection agency saying I am £1000 overdrawn on this account due to 2 DD that have been paying out for the last 5…
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Lloyds TSB system error
Due to a Lloyds TSB system error on 3rd Dec, a Faster Payment credit was returned. This left my account overdrawn (thankfully not over the limit). I received a letter to-day, notifying me of this error.
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Co-operative Bank £100 incentive --> poll posted
For those who don't regularly frequent the Savings board, following a suggestion by Yorkshireboy I've posted a poll on the Savings Board (that is where the original thread was posted). The aim is to try and see if there is a pattern between who has been paid and who has not. Please continue to use the original thread for…
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dormant account re-opening
hi sorry if this has been asked already, i did look but couldn't find anything. I did a search for dormant bank accounts and it came back as I have a dormant lloyds tsb classic account with 5p in it woo!! i went to lloyds today and re-opened and they said they would send me a new card and pin, but will the check my credit…
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Nat West "provisional" limits
Hi all After reading a few posts regarding provisional borrowing limits, particularly with regard to overdrafts I followed advice given and logged in via internet banking to apply for a small overdraft on my Advantage Gold. Previous posts stated that partway through the application a figure would be shown as to how much I…
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LTSB Classic Plus now 3%? (bonus was not fixed?)
Hi there, I just called LTSB Phone Banking today, and at a later stage, I just asked them to confirm the new interest rate that applies to my account. The person speaking to me confirmed that it is only 3%. I asked him about the bonus that we have in June - he put me on hold, spoke to a manager and told me that in June, it…
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Advice Urgently Required
I have recently been in dispute with my Bank. I have complained directly, then to the FOS and finally to my MP. I have eventually reached a point where my bank has accepted some responsibility. They offered me £75 compensation. I rejected this and they have written back to me offering £200. I asked for £500. Should I take…
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Direct debit
Sorry if this is in the wrong place!!! I signed my Son up for a martial arts school which was costing £39 a month on direct debit. He went for a month then I had to cancel because he was no longer available on the day of the classes. I told the instructor he will no long be able to attend and he was ok with it. I cancelled…
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Hotel has my money
I recently stayed overnight at a hotel at a cost of £50, the amount was reasonable and they asked to take a swipe of my card, the next day I checked out with no problem. except when I now check my bank account, £200 pending transactions, they have taken a 'temporary authorisation' of £150 which due to the weekend will take…
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TalkTalk sent cheque in maiden name
I have my landline with TalkTalk and haven't yet changed the account name to my married name :rolleyes: not been married long, anyway they have sent me a cheque today in my maiden name but my bank account is in my married name, can I still deposit it does anyone know? I must get the name changed, just a pain they won't do…
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Credit card or overdraft?
Hi Everyone, Forgive me if this sounds as though I'm a bit thick but I am mathematically challenged when it comes to my finances. My hsbc credit card bill is £1220 due by 18th Dec My hsbc bank acct balance is £1298 (plus I have an unused £600 overdraft) As it's Christmas and things are a bit tight would it be better to pay…
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Help needed to calculate overdraft interest charges
I have a client who has gone behind in his payments, and has offered to pay any OD interest rates i incur to keep things OK between us. So i have looked all over the Internet and everybody appears to be having the same problems of finding this maths. This is as close as i have so far, Over draft EAR rate percent / 365 X…
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Turning 18 - Which TSB account?
I'm turning 18 in 2 weeks (At last :j). The only current account I have is with Lloyds TSB, which I've had for a year or two and is the under 19's account. I was speaking to one of my friends who told me Lloyds ask you if you'd like to change your account to XXXX account or stay with under 19's account once you've turned…
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Haven't been charged for debit card purchases?!
Evening... Here's a funny one. I'm just going through my receipts for the last fortnight, and there's a handful of debit card payments for the weekend on 22 November that I haven't been charged for yet. Not huge amounts - maybe about £50 in 4 or 5 transactions. I know debit card payments don't go through straight away, but…
