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Need a bank account but got bad credit
i have tried everywhere online to try and get a basic current account, anything that I can get wages paid in and a direct debit out. got myself a new job after 2 years of trying but still cant get a current account. is there anything account wise i can do? thanks
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Identity fraud insurance
My credit card (RBS Mastercard) is trying to persuade me to take out identity fraud insurance, provided by a company called CPP or something like that. Is this sort of thing worth it? If so, how much would it be reasonable to pay for it? Opinions much appreciated. Thanks.
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Money not showing up
I have transferred some money to an account which was already set up as a payee. Money has left my HSBC account but it has not shown up on the other. It is one of those accounts where it is used for more than one person. I mean that the account is where all the savers money is kept. What do I do? Are there any charges…
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Increasing Overdraft Limit and Credit Score/Checks
Hi. I have a Halifax Student account at the moment, and I was wondering whether me asking for a bigger interest free overdraft requires a credit check (and be recorded on my credit record). I asked to increase my current overdraft limit a few months ago, but I wasn't successful, and I was wondering if asking again was a…
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2K taken from account - online fraud
I've had 2K taken from my A&L account. It cant be a chip and pin fraud because I have never used my card! I have had problems with my computer recently which I thought were sorted. Today I was unable to log in to my Halifax account and noticed the log in page was different. I phoned them, explained and they suggested it…
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card fraud
Hi, went to the do it all, bought less than £15 worth of items, went to pay for them with my card and it came up as ring bank for authorisation, I went to the till with a very kind lady who rang through and I spoke to the person and got asked a few security questions and my payment was authorised, on speaking to the person…
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Bank of Scotland Account - court papers received
My husband had a bnak account with Bank of Scotland. Further down the line they decided to run parallel an account for bill payments. An overdraft accrued. Never heard a word. Next thing Cabot write saying they have bought the debt. I did send a SAR but foolishly forget to send it recorded delivery. Now they have sent…
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Switching Accounts
I have been thinking about switching accounts to another bank for some time and I am just starting the process of claiming charges back, so now might be a good time to do this. On my account atm I have an overdraft of £800 and due to reduncancy and wages that havent been paid, I am almost at the limit, but things are…
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Help needed! Bank debt but no proof
Does anyone have any advice please.... A letter has been received from a debt company saying they brought a Barclay bank debt and want £895. when phoned and asked about the debt they stated it was from a joint bank account 10 yrs ago from the Reading branch of Barclays. The person did have a joint bank account at this time…
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Saving a lump sum ??
Hi all, i have just been to my local HSBC where i have two regular accounts. One of the accounts over time has built up to a fair amount and the bank had advised me to change account types. This money will just sit for a while but i could not say how long so i cant really get it tied into anywhere. But would obviously like…
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no Lloyds TSB connection
I'd like to open a new current bank account but I want to go with a bank that has absolutely nothing to do with Llyods TSB. I thought Natwest would have been ok but I believe they are part of the RBS group which are now part of Lloyds TSB. Does anyone know if this is correct please? If so does anyone know of a bank that is…
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How to transfer GBP to US bank account
Hello I need to deposit around USD 1000 in my friend's account in the US. Can you please let me know the best way of doing this? Thanks in advance Ashu
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Halifax bank credit error
Hi everyone, I've been a long time reader but this is my first query I'd like the opinion of fellow money savers. I bank with halifax and transfer my money around on a regular basis. Last week the bank made an error and credited £500 in my account twice. The bank previously caused great stress when I moved over to them to…
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Budgeted but still spending
At the end of last month I was determined to sort out my finances after using the tools on the site and realising I should have £500 left after paying all my bills and was spending it on taxis, useless food shopping (going to the supermarket a number of times for things I didn't really need when once a week should be…
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Co-Op Online Banking / Standing Orders
Hi I recently opened a Co-Op basic bank account and I'm really happy with it, the only problem I have with it is when I set up a standing order with a re occurance it doesn't show on the account when the next payment is due, so unless I write it down somewhere there is a chance of forgetting the date the next standing…
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Halifax Current Account Overdraft
I opened up a Halifax Current account a couple of weeks ago. I checked my online banking for this account and it says "overdraft limit 250.00". I didn't ask for this!! how easy is it for me to have the overdraft facility removed or is it a benefit to have. I'm always in credit anyway so will not be using it. Thanks R
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Cant get a bank account
I currently have a joint current account with the alliance and leicester which I use to pay rent and bills. I also have a Derbyshire building society Cash account where my wages are paid into, every month I take the rent and bill money and and put it in the alliance and leicester (I do this physically Take the money out…
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Warning - Card Fraud Leicestershire - Poss 1000s of Victims.
Thousands of people's bank cards may have been cloned in a suspected fraud believed to have been operating from a petrol station. Click here for more details. Tips: 1. Check your accounts and keep checking them. 2. Consider replacing your Chip & PIN card with Chip & Signature.
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Budgeting.....Does anyone really do it consistently?
Hey all Just a quick question really. I can never stick to budgeting. I always start out with the best of intentions but it never happens. Does anyone really budget? How many ppl here do it?? Any tips for a useless budgeter??? Thanks in advance BB
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defaults/missed payments help
hi i have checked my credit score and have 2 late payments due to being over my credit limit for 2 months. i have been searching the forums and saw some comments stating that it becomes a default after 3 late or missed payments is this correct? i am concerned that these late payments will have adverse affect on my credit…
