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Not Smile-ing.. what can i do?
Hello all, i was wondering if anyone could offer me some advice.. I'm a Smile customer & have been for nearly 3 problem free years.. However, i noticed a transaction on my account recently that i didn't recognise, on closer inspection there were 2 transactions totalling over £40 to a software company i have no idea about,…
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confused about bank
can i close bank account while i still have overdraft and offer to pay overdraft off a bit each month? have offset mortgage with same bank.can i cancel the direct debit that i send from my account and set it up from another account? have loan from the same bank that i pay a direct debit from same bank account,currently the…
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C card or Overdraft
I have some extra money this month and was planning on paying £500 off my CC and paying off my £400 overdraft. The CC rate has shot up to 26% - would you advise paying £900 off the CC or do as planned? :confused: Thanks
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Lloyds £100 Overdraft Declined !
I have a Lloyds Silver Account (Just recently upgraded from the Classic Account online), and I wanted to apply for a small £100 overdraft for a month, but this was declined (Which surprised me !), I have never been overdrawn and always operated the account in credit, had it now for 5 months and never had a problem, so I…
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Urgent message to call A+L back - what's it about?
Just got home from a day's shopping, during which the one time I tried to use my A+L debit card, it was declined. However I was not concerned, as I check my bank balance every day and had at least a few hundred quid in there yesterday. Also my card does sometimes get refused for no apparent reason. Anyway I have come home…
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Ever heard about "Banking on yourself" ?
Hello, Has anyone heard of this forthcoming book by Pamela Yellen, titled Bank on yourself ? Is it of any interest, as far as you can understand the content of the book for the table of contents? http://www.amazon.co.uk/gp/reader/1593154968/ref=sib_dp_bod_toc?ie=UTF8&p=S008#reader-link Thank you.
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Authorised payments on lost card
I'll try to keep this short. My other half joined a particular website 2 years ago, he ended up forgetting about it and he didn't realise that the payment for this site was taken out every month onwards. It was never a direct debit, and has always been seen as a card transaction (says so on statement) Anyways, when he…
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Credit: Whats my rating and how do i improve it
Hello all.... This may not be the correct place to post this -my apologies if it isnt. I am hoping to get a Mortage at somepoint in the next year or two. However i suspect my credit is not good. I dont really know a thing about credit ratings, how to go about improvong it etc. -im only 24 but now is the time to get all…
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Lloyds Silver Account Upgrade ?
Hi, I had my Lloyds Classic Account since Last Ocotober, have funded it well, no problems etc, today I noticed on the online banking that I could upgrade to Silver (Which I have now done), my question is when I can I upgrade to Gold as there are a many of the benefits that I would use, in fact do use and it costs me more.…
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Budgeting..
i have a real problem budgeting and within 2 weeks of gettin paid im skint. my wages are 1000 pm without overtime and my dd are: car loan: 125 (for next 3 years) loan for moving house:100 (next 2 years) phone bill:25-30 tv licence:26 car insurance-28 cable-21 rent- 275 total:608 i pay the bills ie cable, licence and my oh…
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Do any online banks show pending payments?
We're currently with the co-op, and they never show what payments you have pending, which is really annoying, because if you don't get receipts at wherever you've shopped, it's so easy to forget exactly what you've spent. I could have sworn there was an advert a couple years ago about an online banking service that got…
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Budget Help
Evening all. I am trying to set up a budget for my money. I know how much i need to transfer each week into certain accounts to meet payments. What i would like to know is how people on these forums make sure that the money is in the account before the due date, and how do you do it each month as direct debits can come out…
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Nattie (CAG)
If anyone knew Nattie from CAG, the Natwest Banker who got sacked - thought you may like the following. Again, we, the consumer are gaining national coverage: http://news.bbc.co.uk/1/hi/england/7921514.stm
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Looking for a good package account
Hi Folks Decided to make the jump and get a package current account - I'm currently with smile and happy to stay there but I won't get their account as co op do it for £4 cheaper. So basicaly I'll be opening it and just putting the monthly fee in. Anyone got any recommendations?
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Card Payment debit time
A card payment did not debit my account until eighteen days after the purchase of 2 prescription items, can I dispute an overdraft charge of £25.00 my bank wants to apply to my account because of the length of time from purchase date to debit date?
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HSBC FPS Help
iv made a transfer of £900 online with Hsbc to an Halifax bank account on the confirmation screen it said the payment will be credited to the beneficiary's account Today. Iv checked the Halifax account nothing still in there dose anyone know how long this process will take?
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what should I do next???? any advice would be great...
I have an online current account with Alliance & Leicester since last November as I have had nothing but nightmares with NatWest. I set up a monthly payment to my debit card with a company coming into effect in January. However the mistake came when my salary was paid into my NatWest account and not the new one, and I…
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Closing Bank Account - Deceased Person?
I am looking for some advice on the easiest and simplest way to close a bank account of a deceased person. There is no will made and only two people the money is to be split between. Husband and Daughter, I as the daughter wish to ideally take my half of the money and put it into a new savings account at the same bank,…
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Switching Bank Account
Hi, I always thought that I am one of those people you read about who are more likely to get divorced than switching banks but today I’ve decided that enough is enough because my current bank (NatWest) really pi***d me off. :mad: As I’ve never used overdraft in my life I’ve decided to switch to the Alliance and Leicester…
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Advice please asap!
Hello, Hopefully someone can advise me on the best way to make the most of my savings (small amounts! :o ) I currently have £1000 in my normal HSBC savings account (I save £500 a month). Next week i will be receiving my bonus which i estimate/hope after tax will be £3000. I would like to know what is the best way making…
