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Bank Interest charges
With my bank account I have a £100 overdraft. Now and then I have gone over this limit and have been charged interest. Every month I recieve a email with all my charges on (this does not include interest). When it came for the bank to take there account charges out they took interest aswell, which put me overdrawn. I had…
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Transferring money from the UK to Europe
Hi, I may have to make a transfer to Holland from the UK soon. Could any kind person tell me what the costs involved might be, and how they could be minimised? I've been requested to make a bank transfer. But my bank (hbos) charges £9.50 for doing the transfer online, or £19.50 if it's done in a branch. Is there a cheaper…
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Depositing cash without a card.
Hi, A mate is depositing money in my account for me.He has my account number and sort code. I've read online that this transaction is not instant and that the money will be available at midnight. Can someone advise if this is true ? Also,since he has my account number/sort code can he get statements ? Thanks in advance.
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Recommend me a business account
Hi. I'm hoping to start up my own business soon as a self-employed sole tradesman. I have been advised to get a business bank account ASAP. I currently with HBOS personal current account, but unsure as to get a business account with them or look elsewhere, not putting all my eggs into one basket, so to speak. Any advice?…
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Best in credit interest account?
My year at Coventry BS has ended and the already low rate is now 0.25% as the bonus 0.85% doesn't apply. I already have an Alliance and Leicester account at 8% on the first £2.5k and a Lloyds TSB account with 4% on £7k which have standing orders set up to each other to meet the funding requirements for each month. What I…
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Hbos - a bbc expose and a debate in the house of commons
Hi everyone, I have posted the following and I hope it will be of interest to many directors of SME's and anyone who is sick of being maltreated by banks. I hope you will take the time to listen to 'File On Four' as it really exposes a sickening example of how badly some banks treat us. I am posting this as a victim of…
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Bank draft, transfer or cheque which is safest?
I hope this is the right place to ask this......... I am purchasing 2 weeks rental of someones flat in Spain, they don't accept credit cards but can take bank draft, transfer or cheque, whichever suits me best. I don't know which is safest....any advice please? Thanks in advance, ffd.
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UK current account with online European transfers?
Hi, I wish to make occasional online payments to a European bank account using IBAN/BIC codes. I just phoned my bank (Abbey) and they tell me the only way I can do this with them is to visit a branch - not online or via telephone banking. This is just not convenient for me - I can't remember the last year I had to visit a…
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Natwest acc closure
Hi there guys and girls, i am in need of some info regarding my bank, It has come to my attention that my current account has been stopped due to an old account being over drawn due to charges i refuse to pay (not my fault) The current account is my main account and the acount i use to pay my bills ect, I would also like…
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Natwest Advantage Blue - Mobile Phone Insurance - Phone Broke
I was out last night drinking etc, and I ended up dropping my phone in a bar and its all smashed. I do have mobile phone insurance with Natwest just recently which is lucky to say the least. It does cover accidental damage, loss and theft. If my phone is broke will I need to send it off to them before I get a new phone? As…
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A&L Ripoff Merchants
Well, they are a bank so this should come as no surprise. I have an account with them which I have decided to close, I stopped using it as I do not like their Internet Banking system. Anyway, I call them up to ask HOW to close the account! The person I spoke to told me that they could close it for me then send me a check…
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A&L 0% Overdraft Finishing in 2 Months!
Hi All, I'm just trying to plan ahead a bit as my A&L 0% Overdraft is up at the end of July and just wanted some advice! I am always in my overdraft and keeping this account would mean they would charge me 50p a day for using the overdraft, up to a maximum of £5 a month (as I understand the T&C's!). I only earn £15,750 so…
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Direct Debit Switching
I'm moving from RBS and after reviewing various articles on financial websites, I thought that A&L were a good option. So I signed up online and opted to use their switchign service. I've now had a change of heart after reading all the bad experiences on here so I applied for a First Direct account. I've had the form for…
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Offsetting Advice Please
Hi I have a personal account with A&L with a £300 o/d that I intend to place into my DMP, so obviousley I have had to open another basic bank account elsewhere to avoid offsetting. Anyway I also have a business bank account with Abbey and I am just a bit worried that with Abbey and A&L both being part of Santander that A&L…
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Can they do this???
Hi everyone, I've only just registered to this site but visit/have visited it for the last few years for tips and advice! so thanks to everyone:beer: I am so bloody angry today. According to my calculations we should have had £150 + available to take out in our joint current account with the Clydesdale Bank (its a…
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Barclays- a rant
a cheque arrived this morning and i went to pay it into my bank the young lady on the desk tells me this wil be cleared on the 2nd june .. thats almost a two week wait for my money Its a cheque from a competiton Now i know they have a day off on monday but 11-12 days to cash a cheque its taking the michael .. she said when…
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Can i deposit euro's at my bank ?
Anyone know ?
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Advice needed on using several accounts
I''m recently out of debt (thanks to Martin's Money Diet book, this site and hard work)... for the first time in over 15 years I'm now able to start working my money. I've been used to debt so all these new options are confusing me. I read in Martin's book that splitting your money into different accounts for different…
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Does A & L have a behavourial score?
I have had a Premier Direct Account for several months now. I know that most other banks have a 'behaviour score' and pre-approve their customers certain incentives and offers. I used to use Lloyds as my main account, but now have my salary, dd's and most activity running from this account now. Do A & L act the same as…
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A+L £100 (+£50 quidco)
I'm interested in opening the A+l current account, but have a cahoot current account. Apparently this rules me out of the cashbacks - Is there any way round this? e.g. Cahoot in my name only and I wish to open a joint A+L with the wife.
