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Natwest Moneysense
Ok so I saw an advert on TV just a minute ago (damn X Factor) and it was saying that Natwest have a new service which offers people (not sure if you can be a non customer and still go), the chance to have a chat with someone about financial situations. Now, I suspect many of you are thinking that they will try to flog you…
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help transferring from german bank account!!!
Hi looking for some help and advice on this one. just landed myself a job out in germany and the extra money im earning i want to use to pay off some debts and mortgage. ive set up a german bank account because i was spending 30 pound a mth takin money out on my uk card. ill be coming back to the uk around 6-8wks for a…
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Abbey Student Account: Overlimit Charges
My girlfriend has just discovered today that she has gone £6 over her limit on her student account (women and shopping - need I say more? :o ). She called them and told her that they couldn't tell her what the fee was because it hadn't been "processed", but if the £6 was put in before Monday (is that even possible?) it…
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Overdrafts and credit ratings
Hi everyone, I currently bank with Barclays and have an overdraft that's over 5 times the amount I'm ever overdrawn by. I know that if I had a lower overdraft I'd be able to get a bigger loan from Barclays (but that's not something I want, I would rather keep the big overdraft for emergency payments). I am wondering what…
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Halifax - EasyCash to Student Account in Branch - Even though Bad/No Credit!!
When I first became a student I applied to upgrade my account with Halifax, from a 'EasyCash Account' to the 'Student Account', this came back declined. I dont have the best credit history even though I am only 19, I had mobile phone contract I defaulted on quite a bit, but I am starting to pay this off now. Anyway I work…
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Unbelievable - Pre approved overdraft
I went to see what my preassessed overdraft limit was with halifax today and it's 9500!!!! What?!?! Credit crunch, what credit crunch? I only have 2500 paid into this account every quarter. What is up with them? I could get myself into a lot of trouble with that.
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Interesting LTSB development
I opened a LTSB current account about 3 months ago. I was given a £250 "provisional" overdraft limit and a Visa Debit card without cheque guarantee. It was the Platinum account. I was paying my salary of approx £75k into this account and also had about £4k in savings in a linked account. I got peed off with them because…
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Direct Debit come out early!
Hi all, apologies if this has been asked before. I just checked my bank online and a debit for 126 meant to come out on Monday has been taken out of my bank early. I will go to the bank and put money in to cover this tomorrow but im worried im going to incur an extortionate £28 charge. Does anyone know the deal with this?…
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Current Accounts, Overdrafts and Debt!
If a punter lives above his or her means and is permanently up to their OD limit, who's fault is it when the bank decides to cancel the OD limit and demand the money back? Is the bank at fault for not indulging the punter's spendaholic lifestyle? If not, why are people often whining about the bank recalling their OD?
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Odd issue with Halifax Easycash
Last week or so I applied for one of these accounts online. Today the card dropped through, I activated it and am just waiting for the PIN. First odd thing is that they never asked me to present any ID at a branch - I assume this is because I already had an account with them and have been a Bank of Scotland customer for…
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Halifax Reward
Anyone seen this new approach to overdraft charges from Halifax? - http://news.bbc.co.uk/1/hi/business/7780551.stm I'm curious to what people think of it.. It seems it'll depend on how you bank, for those always in credit, they get £5 a month which is more then they'd get in interest, and the occasional use of overdraft or…
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How can fraudsters use my cancelled card?
I found an unknown transaction on my statement in early November - called the bank cancelled the card and got a replacement. Got the money back no problem. A month later, I find 5 transactions, (4 for NAT EXPRESS-ELECT COMM, and 1 for Shadestation) on my account over the space of 4 days. I was told by LloydsTSB Fraud…
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Lloyds TSB Internal Scoring
I have an account with Lloyds, opened for about 3 months maybe and wanted to convert it into a student account as I'm going back to Uni. When I did the application online, it actually opened me another current account. So when I called up I was advised that I had to go into a branch and get them to convert it. The lady got…
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Problem with A&L and Standing Order
Hi I wonder if anyone has had a similar problem with Alliance & Leicester and can offer me any advice or explain if I have made the mistake. I set up a standing order on my A&L online account in Sept 08 for my Virgin Credit Card. I selected 23 Sept 08 as the first payment date and monthly payments thereafter. The first…
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Citibank fee/£2000 min balance for US dollar accounts
Citibank CS told me that there's no longer a fee or min balance requirement (was £2000) for having US dollar current or savings accounts. Been like that for last few months apparently. Useful for those needing to deposit/write US dollar cheques or just have a punt on the market.
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More money in my account than there should be but nothing paid in?
To cut a long story short, the rent for my flat which I share with 2 others, comes out of my account each month. I only enough money in my account to cover my own share - £600, which was my overdraft funds (My balance was about -£1300 with about £700 available - my overdraft limit is £2000). My flat mates both paid in…
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RBS online banking - anyone else having trouble?
everytime i check online banking my balance has magically changed. A few days ago i had £90...and i knew i had £90 left, as i had only taken cash out, and paid with my card for only 2 things online! Then yesterday it said i only had £86...hadn't spent anything so i knew this was wrong. Then today it says i have £90 again,…
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HSBC Online...
Hi There Im a first time user so dont know if im on the right page...!!! Im trying to find out if anyone else has logged onto HSBC online banking to check there accounts and has been given a "false screen" for want of a better word. It showed us we were in credit when in fact our accounts had been emptied by some sort of…
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Abbey 8% A/C- how can you confirm this?
Hi, I applied and switched my account to Abbey (luckily before all the interest rate drops! : ) and should be receiving 8% interest on balances of up to £2,500. I just wondered if there was any way I can check this using on-line banking. Sad i know, but I have serious lack of trust with the whole banking system and want to…
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Receiving Swiss Franc
Good morning, I'm getting some travel expenses refunded. The amount is in Swiss Franc. Will my bank charge me if the amount is credited to my current account? I'm holding an current account with Halifax, Lloyds, A&L and HSBC. So I have some choice for the bank with the lowest charge... Any advice would be much appreciated.…
