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What would you prefer banks to address you as?
I've been wondering by what name people would like banks to call them, i.e. by their first name, or as "Mr/Mrs/Miss xxxx". I am under 25, and would by far prefer it if they called me by my first name. What would you prefer? Please post your approx age group for interest too!
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Alliance & Leicester help
Ok kind of running into a brick wall here. What i need is to speak to a customer services advisor at Alliance and Leicester. The reason for this is that tomorrow i am buying a car and need to make a £7000 debit card payment to the dealer. The money is in the account so no problem there but the dealer said i need to inform…
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Internet banking. Money sent to wrong account!
Can anyone advise me as to my rights please? I ommitted a number from my bank account when giving my details to someone to pay me. They got my name and sort code right but when trying to pay into an account with only 6 digits instead of 7, they assumed (as many of us including myself) would do that the account just needed…
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I hate paying on Debit Cards
I have found a new hate, paying on my debit card, I have a Alliance & Leicester Visa card I dont have my wages go into it but use it to buy stuff off the net, and pay bills, if theres anything left I may buy the odd tank of fuel and food. Last week I spent on my card and left £9 in my account, I checked it online on monday…
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Paying in foreign currency cheques
Hi all, I recently received a foreign currency cheque which isn't of particularly high value. However, when trying to pay it into Natwest I was told of a £5 charge to pay it in. Given the value of the cheque is only $50 = £33 I don't think that would be the best way to do it... Which bank(s) are the best in terms of low…
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Refused Basic Bank Account
I'm extremely annoyed and frustrated with Yorkshire Bank. My background is I am a 28 year old man who until the last couple of years has been immature with my money especially whilst I was at University. I have outstanding debts of a total of 7.5k (3k Halifax, 3k Abbey, 1.5k Barclaycard). I have had a Royal Bank of…
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Abbey: just how long can they get away with it? Please share your experiences here.
Am I missing something here?? Just how long can Abbey get away with their diabolical service record?? Please don't get me wrong... from reading my previous posts and seeing that I have only posted about them some of you may believe that I have some sort of a mission or vendetta against them, but it's not really like that.…
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Refused First Direct Account
Hi I applied for a First Direct account two weeks ago, without checking my credit record first, as when I last checked in September my Credit Score was 927 or similar and my credit was good. I applied for a new mobile phone account on 5th November and somehow they ended up credit checking me 4 times with Orange and once…
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DWP - Debt from 1995!! - Dont Know Why!? Never Heard Aout It Before!
Today i had a surprise to see that I had a letter from the DWP (Department of Work and Pensions) Debt Management. It said that it was the final notice of a debt to the tune of £209, this astounded me as I have never heard anything of this debt or had any corrospondence from them. If I did not pay it they would take me to…
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Sterling v's euro. Advice please
I booked an appartment in the French Alps, (In euro's) back in October. Paid a deposit and have to pay the remainder off by end of Jan. Looking at Sterling V's euro today, (due to the depreciation of the pound) i am looking at about £100 extra to pay based on todays exchange rate. Long story short.... do we think the pound…
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Cheque Clearing Time (Payer's end)
I wrote a cheque to my wife. She lodged it in her bank account on Monday. Does anyone know when the money will leave my bank account? Am I correct to say that I need to have cleared funds the day before the money is taken out of my bank account? Thanks
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changing from a student account
Quick question, if you have a student account with an overdraft facility what happens when you stop being a student?? Can you swith this account to a normal one and still keep the overdraft facillity??? Thanks.
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Halifax Easycash application
Hi All Was wondering if anyone has applied for one of these accounts online....? if so how long did it take to get a reply, I only ask because I have applied on two separate occasions and so far have had no reply from them whatsoever. Sean.
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Halifax Easycash
Before I opened the account I was under the impression that it was possible to pay in money by cheque. Yet I haven't received any instructions for this from Halifax!
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Cash machine error? Taken money from my account!
I went to a cash machine last week (Barclay's) and tried to draw out £120 to pay a bill. The machine said that my card issuer would not authorise the transaction and spit my card back at me - this has happened at the same machine to a few friends. I then went to a cash machine down the road (Halifax my bank) and took out…
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Access to cheques same day
Hi guys, I remember there was an advert on TV for a bank where when you paid in a cheque, you could access the funds the same day you paid it in and earned interest on the cheque the same day you paid it in as well, however I have forgotten which bank it is. Could anyone help me out. Thanks
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RBS - the way they process bank charges
I’m currently in dispute with RBS in relation to the way they apply/ process bank charges to current accounts. In brief, my son tends to be a bit scatter-brained when it comes to managing his finances and had asked for my help in trying to avoid incurring unnecessary bank charges. As part of this we had been monitoring his…
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switching accounts with an overdraft
hi, i don't no if this is in the right place but basically i have a 1,ooo overdraft i want to get down and get back in the black , how does it work if i switch to a 0% account how do i reduce my debt and i am so confused !! my oh and i would like to have a joint account and have all our money paid into it ,he also has an…
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Bank account for elderly mother - restricting withdrawals?
Hi all My elderly mother has had some problems with cowboy builders coercing/deceiving her into withdrawing large sums of money from her bank account. The police are involved with the case and we hope that we have seen off the crooks for the time being. She is mentally ok as far as we can tell as she does not have problems…
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HSBC Plus or First Direct
HSBC have recently relaunched their Plus Account more in align with their existing offering from First Direct. What I wanted to know was people's opinion of either.
