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should i opt for a larger overdraft?
Hello everyone this is my first post! Basically I am a student currently with Natwest, my overdraft is £1400. I am good with money and have always kept my balance well above even touching the overdraft. Next year i am spending the year at a university in the USA. The catered accommodation is going to gobble all up my loan…
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Account going to wrong address
I applied for an Alliance & Leicester bank account a couple of months ago online and was told that I would receive a reply within the next few days. When nothing appeared I forgot all about it until I received a letter by accident from the bank in question that had my name on it but was addressed to my neighbour. I went to…
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Abbey Interest?
Did anyone else open an Abbey Current Account at the beginning of December 2008? I did, at the time I believe the deal was either 8% fixed for 12 months providing you pay in at least £1000/month and use their switching service, or an overdraft version, I went for the interest option and used their switching service which…
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Debit card fraud
Hi everybody, I wanted to find out how best to deal with a rather alarming problem. I agreed to make a debit card payment from my bank account over the phone to a company (I have been using them for a while and have had no problems with them before). So I was really shocked to discover that when the payment went off it…
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Victims Blamed for CHIP & PIN FRAUD
The Times: " banks and building societies try to wriggle out of refunding victims of chip-and-PIN fraud. Over the past few months, our postbag has been full of letters from readers angry at their bank’s tardiness or outright refusal to refund fraudulent cash withdrawals and purchases made using their PINs." Article click…
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HSBC Plus
Got this in my HSBC online emails earlier: HSBC Plus and Graduate Plus Bank Account are changing. We are writing to let you know of a change we are making to HSBC Plus and Graduate Plus Bank Accounts. With effect from 8 June 2009 the rate of credit interest you earn on the first £1,000 in your account will reduce from 2.0%…
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Charged by Lloyds even though their own fault.
Last week, when I had taken a days leave off work, I went to use the ATM machine located outside the branch of Lloyds where my account is held. I requested a £30 withdrawal (there was a cleared available balance of circa £50 in my account - no cheques or anything else outstanding either 'in or 'out' of my account). Anyway,…
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Should I get another credit card to boost my credit rating?
A few months ago I was tempted by an iphone after having pay-as-you-go since the beginning of time. Anyway I was very surprised to find that I didn't pass the credit check. So.... I gave up and didn't follow it up any further. 6 months on and I've almost saved enough (I think) for a decent mortgage but I'm worried about…
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HSBC Plus
I have just got a message on my online banking informing me that interest will be reducing from 2% to ZERO!!!!! And this account costs £12 per month!!!!!!!!!!!
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does anyone get "housekeeping" ?
Hi all Ive always been in control of the money in our house but lately i cant seem to make it strech so hubby said " why dont u let me have control for the next fewmonths i will give u a weekly amount and see if we can save some" lol So i thought ok ill give it a try jst wonderd if anyone else does this ? Thankyou
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What's each bank's policy on taking Bank Giro Credits?
Just a thread because it's something that comes up each day at work, I have loads of non-customers who come up to me with a bill to pay and ask to pay it, and when informed of the fee ask if there's any other way they could do it. But I've got no idea about the other banks' policies (bar a few) so I haven't the faintest :S…
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WARNING -SHEFFIELD Possible New type of ATM Fraud.
[SIZE=+0]A person stands behind the person making the withdrawl or at an alternative machine if two are situated together and waits for them to put their card into the machine and enter their pin number.[/SIZE] [SIZE=+0]Once they have seen the pin number, they are somehow turning the screen off on the cash point. Police…
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Failed BACS transfer
Hi, Thought this might be a good place to ask this. I recently put through a BACS transfer from MoneyBookers to my A&L account. Unfortunately, it seems I entered an incorrect - and completely invalid - account number (A&L have confirmed this). MoneyBookers haven't been very helpful here (their CS doesn't see to respond).…
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fast transfer for sum >£10k
I need to make a £16k transfer to my solicitor. I obviously would like to do that as quickly as possible but safe. The money will go from a Lloydstsb to Barclays account. 1-If i do it online/phone it will take ~3 days and I don't really have a proof of where the money goes as their is no recipt as such. 2- can do a same…
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Halifax Reward: Clarification for one last time
Sorry, I imagine this has been asked countless times before, but I just want a specific confirmation that my own system for getting the £5 rewards will work before I go off on holiday: I have an A&L current account, and 2 Halifax reward accounts. I am going to set up a standing order from A&L to one of my reward accounts…
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getting 'affairs in order'
delicate subject really and is this the right forum? is there a thread on here anywhere to advise on getting your affairs in order? by this I mean: a, sorting 'bitty' accounts out and having just one or two accounts, maybe just a bill account and another for the usual stuff.. the reason i ask is that just say, for example,…
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Unauthorise transaction
Hi, Last year I was using one of the payday uk sites on a monthly basis for about a year without any problems. I defaulted around November as things were getting tight etc. . .They have been chasing me for the money via debt collection agencies whom I have now made an agreement with. .. Anyway, this morning I noticed the…
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what is the best bank to speak to about business
loans...? also any info on unsecured lending appreciated. thanks in advance.
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saving account for a 2 year old
we are looking to open a savings account for our 2 year old daughter. she has an account at abbey that her child trust fund was paid into. but we are looking to open a normal savings account at another bank as we don't like abbey. where is a good place to open an account at this age? we liked the look of the post office…
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MBNA to lloyds tsb payment
i sent for some funds from my platinum mbna to go to my LTSB current account. i sent it on tuesday at around 2.30pm.........it is showing on my mbna accounnt as debited today (friday) but has not shown in my LTSB yet! anyone know when it likely to show in my account?
