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Charges for going overdrawn by £1?
What do you all think about charges if you go overdrawn by only £1? I personally agree with them. Working in a bank i quite often get the arguement It's only x amount" and "this is ridiculous" my view is that if the bank gave everyone a £50 buffer for example then people would use this like they do an o/d and when they go…
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Natwest Bank Statements with Account number only??
Hi there, I am in the process of applying my PSW visa. However, I am currently with Natwest Bank and that I did not receive my last 2 bank statements. I am trying to get an electronic version directly from my bank branch, however they can only print them out on A4 paper in black and white with Natwest Logo on it. The main…
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Joint Accounts on Death
Where there is a joint account and one party dies, does thats sum of money go into their estate for probate purposes or does it automatically go to the other person?
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Advice needed:switching bank accounts
Hello all, I graduated from uni last July, and have finally paid off my £2750 Halifax student overdraft. Now I've still got this facility until October 2009, and regularly dip heavily into it to provide a float for (extremely profitable) matched betting. If I "switch" to Nationwide or A&L (to take advantage of their new…
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A website explain US financial mess
http://www.chrismartenson.com/crashcourse Enjoy
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Separate "Budgeting" board?
I've just posted a suggestion over on the Site Feedback board for a separate board devoted to budgeting (as I've found such posts tend to get lost here in amongst all the bank posts). Anyone like the idea? tiptoe
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Halifax Visa Debit card - cheque guarantee?
Having sorted out my debt problems and got my credit rating back up to a decent level, I recently opened a Halifax high interest current account, and today I received my Visa Debit card... on the back it says "this is not a cheque guarantee card", which surprised me; I thought the Visa Debit cards were all cheque guarantee…
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A&L Premier Switching Service
Hi I’m thinking about switching my current account from HSBC to alliance & Leicester premier account, and get the £100 sign up bonus that currently available as well as the better interest rates. I’m abit worried about changing accounts as I been with my current bank all my life and with all my wages and that going into…
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A&L OD matching service... Wortha try?
Just wondering if this could be possible. Got accepted for the Alliance and leciester account but without the overdraft. I currently have no overdraft facility on my other bank account, Would i be able to get an overdraft set up on Monday with my old bank and then use that statement for the overdraft matching service so a…
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Old Direct Debit cancelled by bank?
Hi all I recently had a letter from my credit card company saying a direct debit request had been refused by my bank. I hadn't used this credit card for over a year, and the DD was only for about £3 (it was Paypal fees). The credit card company said it may have been refused because some banks remove a DD instruction…
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Barclays Bank
As a personal customer, I have just tried to transfer money from Barclays to the Royal Bank of Scotland. For the first time, I was advised that I need to have PinSentry before I can move any money from my accounts!!!! How dare they! If they go down, my husband & I would be over-exposed in terms of the £50k per person…
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Is £2500 too much to balance transfer?
Hi, We need to transfer our Credit card balance to a 0% card. (currently with MBNA). Does anyone know if the amount is too high? Are companies likely to turn down an application or is the amount irrelevant? We have a good credit rating. Thanks
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HELP! MBNA have withdrawn our 0%!......
Hi, We are planning our wedding and my partner has taken out an MBNA credit card (he balance transfered from Virgin), with a 0% deal. Our plan was to swap every 6-12 months to a new 0%. We have had the card for 4 months, the first 3 payments were on time, but as we were away for New Year Januarys was paid ON THE DAY, and…
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Urgent CHAPS question
My Agency who I have been with for 3 years pays me by CHAPS every Friday. i have not had a problem with it in 3 years except for just before xmas where it did not clear by 5pm, however when I went out that Fiday night and came back gone midnight the money was there. Not sure what time it appeared on my account but I last…
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How do you budget when you're paid weekly?
I get paid weekly and sometimes its 4 other times 5 a month. So its hard to know what I get a month, plus each week it can change slightly due to a little overtime etc. So was wondering the best way to budget? Should I work by the week and work out what my monthly payments are per week? or the other way round and work out…
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Lloyds just get worse with the hard sell
Every time I go into my Lloyds branch, they tell me I'm due for a review or I'm eligible for an account upgrade. Years ago, I asked them to mark my account "No Marketing" so I wouldn't be asked every time, but it doesn't make any difference. Today, a little old lady with a walking stick was at the counter next to me. She…
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Cashback sites and Cashback from provider
I am doing my budgeting at the moment and Swinton has come out best for my Home insurance, they are on Quidco offering £45 cashback then again on their own site offering £30 will I be entitled to both equalling £75 just by clicking the quidco link then entering the £30 code too?
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A&L Account details
Hi, i've just opened a a&l current account, and i know this probably sounds like a ridiculous question but nowhere on the online banking system, the card or any of the letters I've been sent has the account details i.e. sort code/account number. There is a 9 digit account number but that is all, and i'm unable to set up…
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A&L Premier Direct - can you use as a "savings" account
Bear with me. If you open a Premier Direct Current a/c and put in £2,500 (maximum balance that they will pay 6% interest on) and then each month pay in £500 (as per agreement) but then next day transfer £500 out (so you always have £2,500 in) - would this be a decent savings a/c?
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A&L £30 fee for fraud protection
We have recently opened an A&L Premier Direct current a/c. Husband rang to activate the debit cards and was offered insurance in case our cards were used fraudulently. Apparently, if this happened we would have to pay £50 for the first £300 fraud and then a percentage of the rest of the money that was defrauded. However,…
