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Nationwide Current account or Halifax ?
Arrgh, my head is spinning with information overload (but great info, thanks, Martin) I have decided to close the Natwest Current account which I have had for 50 (yes, 50) years since they want me to pay an annual fee of £293.00 - for which I feel I get nothing. I go to France a lot and am considering a Nationwide current…
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Closing a overdrawn account
Hi, hers a tricky one that i need to get sorted asap!!!! I need to close my bank account, as i have cancelled a direct debit and the payee are still taking the payments. (Im under negoitation with the payee). My bank which is natwest is allowing this to happen even though i have not authorised any new direct debit! Despite…
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replacing a lost debit card
Hello, can anyone tell me why it takes my bank the Abbey 10 days to send me a new visa debit card. They tell me it is something to do with FSA regulations which sounds like a load of old guff to me. Also they didn't tell me when I reported the card as lost that this meant I would also be unable to access my account online.…
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Graduate account interest free overdraft reduced
Hi everyone. I just realised the other day that my graduate bank account with Natwest will only have an interest free overdraft threshold of £1000 starting in July. I am sitting at around -£1500 with an overdraft limit of -£1800... I read on the natwest website for a graduate account they will charge 1.38% per month for…
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Warning about 0% balance transfers to Virgin credit cards
I will be coming to the end of a 0% balance transfer and 2.9% purchase deal with Virgin at the end of this month. This morning I received an alarming letter informing me that as of August my new interest rate would be 34.9% APR!!!!!! Thinking that this must be a mistake as the variable interest rate was 16.9% when I…
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LTSB account downgrade......
..... can I downgrade from Silver Vantage to Classic Vantage via email or secure messaging? I'd rather do it this way than have to visit or call them to be honest.. Thanks :j
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alliance and leicester premier current bank account advice please help!
I am thinking of applying for the alliance and leicester premier bank account (the one where you have to pay in at least £500 per month), but i only want it if i can get the 2000 pound overdraft, i was just wondering if anyone had applied for this account and recieved the overdraft as one of my friends did but wasnt…
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Other methods of depositing into First Direct account
Are there any other methods of depositing cash into a First direct account other than going to an HSBC branch? Can you do it through Post Office or anything? J
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I hate Cash Points with a vengance
Why does it always happen to me this is the second time in 3 months the flaming cash point has swallowed my card for no reason at all (different cash points noth times). I now have to wait a week for the new one to arrive and go to the bank to get my money out :mad: Why dont the blasted machines just spit the cards back…
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Is our banking security secure enough??
Hello everyone, I am a student security analyst and I come to realise that in some organisations security hasn't been taken seriously enough, I have been banking with A&L for some years now and their online security is really secure including the way they distribute information towards their customers. The main reason I…
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Student Accounts 2009/10
Hi there, regular long term lurker here. And now I have a question! I am going to university this Sept. I am looking to see if anyone knows when MSE will update its student bank account guide for the coming term? I have read the current guide but I am aware it is being updated. Just looking for a rough idea of when so I…
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Credit rating taken a battery. How to repair?
My credit rating has taken a battering over the course of the last year and only now am I in a half decent position to start the repair work. An overview of what has happened: Lloyds Credit Card and overdraft were combined with a loan I was still repaying to Lloyds to £8,000. I am paying £130 a month for a term of 83…
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Student accounts and credit ratings
Hello, How good does my credit rating need to be to give me the best chance of getting a student account with overdraft? I don't want to use one, but having it as a buffer would be a weight off my mind. In February I had about 8 credit searches, so I know I'm better waiting til they have gone. I have a credit card that is…
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What joint account shall I set up.
Hi, I am in the process of buying a house with my g/f. We want to set up a jopint account, pay a set amount in each every month, then use this money to pay the mortgage, and also the majority of the bills. This way we can still have our own personal accounts we've had for years. Can anyone recommend a good bank / account?…
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first bank account for a 16 year old
Hi, My son has asked me to help him find a bank account. Ideally, he'd like something he can put his money into, earn some interest and have use of a debit card so he can make occasional purchases. My plan is to try and find a suitable account and give him £1000.00 which i've been saving up for him for the past few years.…
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Wouldn't it be good if there was a website where you could view debit cards?
and see what each banks debit cards looks like........I want to try and find a bank that has 'matt' finish cards rather than shiny.....random I know!
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ATM Dispute Advice?
I'm having some trouble with ATM disputes at the moment, and wondered if anyone can give me any advice in order to speed up the process? On Saturday 13th June, my partner tried to withdraw the only £30 she had in her account from an in-bank NatWest ATM. The machine opened, with some random envelope caught inside - no money…
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Natwest graduate help needed.
Hi everyone, I have a Natwest overdraft limit of £2000 (which iv'e used all of) which is interest free, i'ts due to be reduced to £1000 on Tuesday and then i will be paying 16.5% interest on the £1000 that's left (as i won't be able to pay this off by then). I've been very stupid and put my head in the sand about this and…
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Cumberland Building Society current account(s)
Look(s) to be spot on for those who are lucky enough to live, or to have lived, in their operating area. http://www.cumberland.co.uk/current-accounts They don't charge at all for cash withdrawals or purchases anywhere in the world, according to their huge billboard on the way into Preston.
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Bank Transfer To Taiwan - Alternatives?
Hi, I recently placed an order with a company based in Taiwan. I did a sample order for one unit. I paid via Paypal. However, I now wish to place an order for three units. They would prefer that I pay via bank transfer as it keeps their costs down. However, my bank Natwest charges £20 for a tranfer. I was wondering whether…
