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Halifax Overdraft Question
More information here http://forums.moneysavingexpert.com/showthread.html?t=1397541 But my question is basically, can they really remove an overdraft and give me until the end of the working day to pay it back? The guy I spoke to on Friday said that I could have a £1k limit (it was at £1.5k) and I've got it back within…
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Lloyds charges joke
I went £0.07 overdrawn on 23rd december for 5 days (YES SEVEN PENCE). I new it was over but didn't think it would even matter. They are going to charge me £57.00. Tried to argue with them but they won't listen. Unbelievable !!!!!
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Graduate interest free overdrafts- changing them
I graduated in 2007 and have a graduate account with RBS and an interest fee overdraft of £1250 (or something like that) but I have the naggling fear they will suddenly start charging me interest... I haven't done anything to organise or change the overdraft since I first started uni apart from go in and give proof i…
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Sweep help/ money transfering
I have a query about the sweep on my current account which transfers money every night to or from my savings account to keep a constant cleared balance. Unfortunately Lloyds no longer offer this (but haven't taken mine away- gloat!) and don't seem to know the answer to my problem- last time I was talking to one of their…
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Fee for draft cheque
Hope this is posted in the right place! Friends in the US sent us a draft cheque for £100STG which I lodged in my bank on 16th December. It hadn't appeared in my account after a couple of days so I called into the branch and after a short wait I was told "The cashier was trying to contact you, the cheque had to be sent for…
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Euro Account Help?
Hello, Ive just started a new job which is going to be paid in Euros. Whilst my sterling account does allow for it to be paid in, id rather open a Euro account to make best use of the exchange when its good etc. Ive searched quite abit, but would welcome anyone in the know if possible. Im after a free account (if they…
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Ticked Box to "Switch" But Can't Switch Salary
I work for RBS and my salary must be paid into an RBS account. However, I recently applied for a 2nd nationwide flexaccount to try to get a debit card. Am I right in thinking that if I ticked the box to 'switch' my dds and salary, all they will give me for salary switching is a letter to give my employer, right? I am happy…
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£75 for opeing a nationwide current account
£75 for opening their current account BUT you also need to take out home insurance, life assurance, guaranteed equity plan, a loan, OR put £1000 in a savings account. It gives 0.5% interest if you pay in >£1500/ month which Nationwide thinks is good, but is a 5th of my bank of scotland high interest account, but does have…
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Overdrafts to Savings accounts (litterally)
I've googled this and i havn't found anything so mayby someone here can help. When i started at this year i noticed that banks offered free overdrafts. I already had the idea to put all my student loan in a savings account and use it as i need it. As i live at home and travel to college and also have a part time job which…
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Card Problems!
I have recently signed up for a new debit card from the royal bank of scotland and when i say recently i mean the end of november last year, and it still hasn't arrived yet. i have had no letters or phone calls back from the bank and i'm not sure what to think? how long should it take them to order it to me i mean come on…
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Abbey or A&L £100 switch ?
What are the pros and cons of the cashback these two offer when switching your current acc to them ? E.g period of time minimum monthly payments must be paid in,period of timecashback recieved etc. I have no overdraft or SO`s or DD`s. I have read somewhere the £100 cashback would not apply if you did not have some of the…
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Multiple Overdrafts, what should I do?!
If anyone can help me out I would be so grateful... My current situation is this, I have a £1700 overdraft with HSBC that I am over sometimes (every other month?) due to charges and generally short of cash. I switched to HSBC from A&L Premier Direct as A&L were charging loads, and would not extend my overdraft beyond £1000…
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Honours Student Loans/Pennine Debt Recovery
HI does anyone know how to get in touch with Pennine Debt recovery - hsl never recieved my deferement, i spoke to pennine about a fortnight ago-promised to send finacial statement & deferement forms, but nothing arrived. recieved a threating letter this mornin but no details of how to contact them - can anyone help!
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RBS Monthly Bank account fees
I was listening to Martin this morning on GMTV and he advised a couple to cancel their £12 per month bank fee. I have a monthly bank fee for £12.95 that gives a lower interest on my overdraft, provides holiday insurance (although this year was the first time we ever used it when we went abroad) and other insurance benefits…
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Balance/Available Balance - HSBC - Off by £1
Ok I'm sure ldavies or shelfy could answer this but open for anyone. I have -£371 in my bank, with an overdraft of £1000. My available balance is £628. Its been like this for a couple of weeks now..... Is it a rounding thing or what?
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Too worried to switch.
I would like to switch my joint account from Abbey to First Direct, mainly for the £100! What is stopping me however is the 'hassle?' in switching! Anyone had any experiences in switching to First Direct? Do all your DD and standing orders get moved as requested? I take you that you must manually request your salary to be…
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Barclays bank employees, need ur help
Hello, I had a barclays cash card account, and coz it wasnt allowing me to to do online banking i requested the account to be closed. only recently i realised from this forum that they do offer online banking. so i wanted to apply for the the cash card account again. would i be accepted for this account even though i just…
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Overseas Student
Hi, I studied in the UK and while there kept a NatWest bank account. When I finished my studies and left the country, my balance was something like 70p and I never bothered closing the account. Four years later, I get a letter from solicitors representing NatWest claiming that I have an unpaid balance to the bank for…
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A & L Premier Direct Current Account
Hello all, I have just signed up and been accepted for this account. Can someone tell me what debit card this comes with? Visa Debit, Electron, Switch or Solo? Thanks, James
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Overdraft help
Here is the story. My University mean to take money from my account for rent on the 28th of each month but last month the money was taken out on 24th December which made my account into overdraft for a few hours, thus got a letter from the bank for fine charge. I have spoken to both of them, and the university claim that…
