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Is it true.....
that Co-op and First Direct turn the majority of applicants for current accounts down?:eek:
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Overdraft Interest Rates
I have an o/d with the RBS currently charging 17% APR. They set their rate in April 2008 corresponding with the most recent peak in Base and LIBOR rates. Obviously the base rate and even LIBOR have dropped dramatically since April but my branch have informed me that the rate that they charge personal customers for o/ds…
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Credit score
I'm a member off LLoyds TSB Bank. I just signed up for i.d theft protection and it will cost me £1 for the first month. Included in this is my credit rating/history etc. After this time i can cancel the policy if i like. So i get my credit rating for £1. I'll probably stick with the insurance as i'm on my third debit card…
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Money wrongly put in my account
Hi all, A sum of £255 was put into my account today. I called my bank (Lloyds) and was informed that the monies were from a solictors debt company that I have never heard of nor had any business with. However, of course I cannot be sure if somehow I am meant to receive this money (on my behalf) or more likely... not. Do I…
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anyone been turned down for a co-op cashminder account?
I have just applied and it has to be refered to the underwriter and i am worried this means i am going to be turned down.
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Instant access with interest and chequebook
Help!I am trying to help my mother a pensioner find an account that offers instant /easy access, provides a reasonable interest rate and a chequebook or cheque writing facility. To explain she has money (pension) left over from weekly needs in the Post office that attracts no interest. She has used up all ISA allowances…
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A+L 100.00 Switching Payment Delay
Thought this might be of interest to those whose 100.00 switching payment is imminent. ( Ive just gone over 15 weeks since account was first opened/funded) Thank you for your e-mail regarding the £100 Switching Incentive. Due to the very high demand for this incentive we have regrettably experienced a delay in the…
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Did I read about the Queen telling the banks to treat us all fairly?
Whats that all about?
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Best Student Accounts
I'm going to back to Uni at 28 and need to open a student account. I'll be getting a bursary from the NHS, but as I have some cc debts elsewhere a good 0% OD account would help to make the monthly payments to my debts while I study and work. I've looked around and looks like Barclays, Halifax and Lloyds look like good…
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International Money Transfers- Who to go to if it goes wrong?
My sister used Barclays to send some money overseas to the account of a relative. This was nearly a month ago and the cash has still not arrived so she queried this with Barclays and was given a reference number and told to query it with the foreign bank. As far as Barclays was concerned they had done their bit and it was…
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Fund transfer time changed from 3 days to 7 days
We have both our girls at Uni, one is in her 3rd year at Edinburgh and the second is a fresher in Liverpool. Both have Natwest Student accounts. For the past two and a bit years, daughter in Edinburgh got paid her weekly allowance by weekly transfer from our Barclay's Bank account onto her Natwest Student account (she gets…
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new account entry requirements
For various reasons My son Aged 19 does not currently have a bank account and is finding life in the modern world difficult. He is told that he needs a passport or driving license and/or utility bill, to get one, he does not have either and from what we can see he needs a bank account to get both. Is there any thing he/we…
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Barclays Cash Card Account
Hi all, I have just opened a Barclays Cash Card account in branch and have been accepted for the Visa Debit Connect card. From what I gather it is still essentially a Visa Electron in terms of all transactions are pre-authorised. The question I have is will foreign airports that dont take electron be able to accept this…
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Why No Banking Retentions Thread?
Bit of a rhetorical question! Why don't banks offer anything to longserving customers? I am currently thinking of joining Abbey/ A&L due to there £100 offers and am unaware of any reason I should stay with the Halifax? I'm assuming they make a few quid from having my money, so while my mobile phone company is prepared to…
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Signing up for abbey online banking
Do you get signed up straight away or do you have to wait for things to come through in the post? Is there an advantage in going to the branch rather than phoning?
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Switching to Lloyds TSB
I'm looking to switch my account to from Alliance and Leicester to Lloyds. Anyone know of any promotional codes or promotions they have on at the moment?
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Bank won't cancel unauthorised payments...
I discovered this morning that £55 was being held in my account waiting to be pay someone but I dont know who. I rang the bank and they have no details yet. As I have also realised my card is missing this morning I have asked them to cancel my card and stop the payment, they have cancelled my card but have refused to stop…
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One Account RIP-OFF
Just received a letter from The One Account (as owned by RBS) confirming only a ONE percent reduction in their rate from 1st December. Did RBS not triumphantally advise in all the media they would be heeding to "Big" Gordons pressure and give the full 1.5% reduction to us struggling homeowners, or am I living on Mars???? A…
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how do u organise savings ? grocerys etc
we have a main saving acc but im thinking of having some more like one for car one for xmas then the main one how much do u think i should save everymonth for car savings for a mot and service once a year i pay insurance monthly also how much do u put in xmas savings ? do u have a seperate acc for grocery spends ? if so do…
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help with halifax! what are my rights?!
i have an ongoing problem with halifax, which recently became more serious. basic outline of events... - at my 12 month review of halifax overdraft (maxed @ around £2k) they decided to recall overdraft because i didn't have a job. good move, like i can afford to pay back £2k with no job?! - long-standing arguments…
