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My underspending diary
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 742.951 Partners monthly income after tax....... 1226.16…
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overdrawn saga!
My younger sister has phoned me to tell me that an item she purchased some weeks ago costing £150 has only just been debited from her Lloyds Bank Account. Unfortuantely as the money wasnt taken straightaway, she spent it thus she is now £150 overdrawn. She does not have an overdraft facility thus unauthorised overdraft…
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Cash machine didnt give me my money?
Hello All, I really hope someone can tell me what to do here..... I was in Amsterdam over new year and tried to take some cash out of a cash machine, I asked for 200 Euros but the machine didnt give out any cash. I thought that the transaction must have been declined due to insufficient funds so tried again for 20 euros.…
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Visa Electron put account overdrawn
Hi, Just a quick question, I thought that with a Visa Electron card, you could only spend what you had??? Someone I know had a transaction go through that put there account £500 overdrawn and are now getting all kinds of charges, they don't have an overdraft facility on there account, is this correct or are they just…
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Speculation grows that Barclays will be bailed out as investors 'throw in the towel'
Shares in Barclays plunged again yesterday amid mounting speculation that the Government is preparing to take a stake in the undersiege bank. They tumbled 8p to 51.2p, falling for the ninth consecutive trading session, completing a run that has seen Barclays lose nearly three quarters of its stock market value in just 12…
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banks end of buisness day
hi everyone I went to a branch of natwest yesturday to put some money in my account to cover a Direct debit which came out yesturday for £12.95 i came home last night and checked online to see if it has been covered and it had been. However i checked online this morning to find the Direct debit has been refused and ive…
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Switch Transaction pending for large amount - wasnt me??
I just tried to get money from the ATM from my HBOS account and it told me I had insufficient funds, I phoned telephone banking and have been advised a switch transaction or abroad ATM transaction is pending on my account for 488 pounds. This was not a transaction I have made as I know I dont have that sort of money at the…
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A&L - £100 incentive - Direct Debit Question
Hello, I realise that there is already a thread on this but I have a specific question relating to switching of direct debits. Thought I would post a specific question relating to switching direct debits and salary as I think that a lot of people will wonder. Here goes, in order to get the £100 do you; 1. Have to switch…
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Worried about credit rating
I went away to Egypt for xmas and informed my bank that I would be taking and using my current account visa debit card whilst away. Tried to take money out but this was rejected. Tried to pay by switch which was allowed on one accassion near the start of the holiday. When I got back I discovered that my card had been…
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Does LTSB still do "interest until payment received"?
Hello, I remember a few years ago, LTSB was hugely advertising their "continue to earn interest until your payment reaches the destination". I wonder does it still apply now, and is there a upper limit to the BACS or Standing Orders that will continue to earn interest, i.e. is it £1000 or unlimited? Thanks!
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Basic bank account query
Hi guys I'm looking to open a basic bank account. I have an old current account with NatWest who I owe £500 to and a Barclays Current account which is fine but a few people on here have told me to open a basic account as I have defaulted on my Barclaycard due to sudden unemployment. I was going to apply for the Abbey Basic…
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cost of living, need an idea...
Hi all, the missus and i are thinking of a getting a deposit togther and taking on a mortgage for a house, ive been reading the mortgage guide etc on this site but what im here for is running costs, what well have to pay im asking what sort of things we have to pay for and what does it cost? meaning: Council Tax electric…
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Does a current account show on Credit Report?
Does a current account show on your credit report, if you have no overdraft? My Lloyds TSB Under 19's account doesn't appear on my credit report, though the search does when I opened it (When I was 17). I've opened a HSBC Plus account about a month ago. Once again, the credit search shows for when I opened it, but nothing…
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HSBC Managed Loan -
I have mentioned about HSBC Managed Loan in the other thread on couple of posts but because no one have replied I felt it is best to start a new thread. I am currently hold a current account with HSBC with a managed loan account as well. For your information, I never have been overdrawn without permission, missed payments…
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which bank is the lesser of the evils?
Hi, now that lloyds and yorkshire et al, have started this outrageous £25 a day penalty overdraft business- which bank in your opinion has the lowest penalty fees? I'm looking to open a new account because i'm not at all happy to bank with somebody who thinks £60 is okay for a day's charge and on principle disagree with…
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Pre-Paid Credit Cards
I know Martin has wrote a great piece on Pre Paid card's however I was hoping to hear personal experiences with these type of card's Have you used one? What company do you suggest people go with? Does it really improve your credit score? I am looking to improve my credit score and this seems to be a easy way to help. I was…
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Is there a limit to the number of faster payments per day?
Hey all Is there a limit to the number of faster payments that will go through an account in one day? I have an A&L Premier Account and have a monthly SO for £500 to go to my HSBC account. But this takes up to 5 workings days to be credited. So I wonder if I could do 5 x £100 payments to get it there in the same day? Or…
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Abbey £100 Bank Account
I see Abbey are now offering £100 to switch your current account to them (http://www.abbey.com/csgs/Satellite?c=GSProducto&cid=1210616935108&pagename=Abbey%2FGSProducto%2FGS_InfProducto) Does anyone know if existing A&L customers qualify?
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My SOA - any advice?
OUTGOINGS mortgage £644.40 council tax £94.00 building insurance £13.43 gas £15.00 electric £20.00 water £15.00 landline £10.50 broadband £7.50 mobile £10.00 contact lenses £11.58 shopping £80.00 petrol £80.00 car tax £15.42 car insurance £25.00 ground rent £2.50 dentist £1.35 £1,045.68INCOME work £1,144.95 I think I have…
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Overdraft and direct debit charges??
Hi There, hope someone can answer this for me as i am a bit confused. I recently had a direct debit payment needing to be made. I however did not have enough money in the account to cover it but my overdraft that i have would. Please could someone tell me if i will only get charged a overdraft interest rate or also a fee…
