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Ulster Bank switched direct debits, but not balance - close shave
Am I naive and is this standard practice? I've had an RBoS account for nearly ten years. Due to changes in my circumstances, I went to Ulster Bank and asked if they could set me up an account with them, as they're part of the RBoS group, and since I'm living in Northern Ireland, I wanted to have a local branch I could…
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Current accounts and credit files
My bank currently reported to experian and equifax and that I had a missed/late payment on my current account last month :mad: I was overdrawn for 3 days due to a transfer taking 3 days rather than the usual instant transfer for some strange reason. This was not my banks problem so i do not blame them, it was the senders…
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Budgeting Course?
Hi there, I work in a Supported Housing Unit and we are developing a budgeting course to help our residents. Does anyone know of any good budgeting courses out there, maybe particularly suited to young people? It'd be good to see some good practice or other examples of the work. Thanks!
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Electron woes
My current bank account comes with a Visa Electron card. Now I can be a bit of a card snob and detest electron cards. I have had the account now fror approx 18+ months. I have been sent a guaranteed acceptance application for a CC from the bank for using my account well. No charges, od etc. Phoned to see if they could…
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Warning about trojans - especially if you are a Yorkshire Bank customer!
Hi folks, I work in the IT industry and I've been dealing alot recently with issues surrounding keyloggers and compromised accounts. Currently there is a growing problem with basic username / password information being compromised via trojans that have been downloaded to a customes computer without their knowledge, the…
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direct debits and the banks
Hi I have cancelled a direct debit i had with abbey which was set up with my bank, because i am under negotiation with abbey. However every month abbey still take my money out of my account. The bank says abbey reactivate it, and theres nothing they can do. I have cancelled the dd 4 or 5 times, and each month they attempt…
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First Direct, A&L, HALIFAX new questions further down
Someone suggested I move this post to this forum Im just wondering if this is possible 1) pay £1,500 into First Direct get the £100 bonus switch after 6month get 2nd £100 bonus meanwhile 2) each month take the £1,500 out of the First Direct a few days after depositing it and put it into Halifax get the £5 flat fee 3) take…
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A&L+balance transfer card+ cancelling application for virgin card?
I have just been accepted for an A&L premier direct current account. I noticed as I was applying that they also had a 12 months interest free balance transfer account. Unfortunately Ive also just applied for the virgin balance transfer card. I havent heard back from them yet but I am stoozing and since htey do 16 months it…
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HSBC BACS payment
Hi I need to make a payment from my HSBC personal Current account to my solicitor's LTSB account, to clear by Thursday. Can I do this by BACS at my branch & if so do HSBC charge for this? Thanks
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Bank charges
It is good to know that the banks are defending the charges. I am just listening to money box on radio 4 and I cannot believe some people. The man from the bank charges action grooup thinks it is ok for people to have their money back so that the rest of us who can manage our accounts may have to pay for running a bank…
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SATCOV Direct Debit
Several years ago I was persuaded to take out satellite TV insurance. It covered the Sky box and dish against faults or accidental damage. Around eighteen months ago I got a new Sky+ box so it had 12 months guarantee with it. Therefore I cancelled the insurance because I did not need it. I also cancelled the DD with the…
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My Abbey overdraft was sold to a collection company, do I have a default?
I stopped using my Abbey as my main bank account and had an overdraft of around £500 on there. As I hadn't made payments into the account for a certain time they contacted me, and I paid £50. At one point a few months later they wrote to me saying to cut up my cards/cheque book etc and contact them to pay back the debt.…
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EGG ATM Cards
Hi Has anyone else heard about Egg removing all ATM cards from its products by June 30th? I ask as I have been using my savings account as a current account (as they like to complain to me about doing), as I do contract work (borderline self employed) and move around a lot and in the current financial climate cannot get…
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bank account you can't go overdrawn on
Is there a bank account that you can have an ATM card and set up direct debits from but if you do not have enough money in the account the direct debits will not be paid and there will be no penalty? i.e you go to an ATM put your card in it and request £50 and you have only £49 in your account so it says insufficient funds…
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Barclays being totally out of order.
I've got a terminated business account with £1,500 overdraft on this, They've froze the account and I've not heard anything from this otherwise. I split from my business due to discrepancies on my business partners behalf. All correspondence has to go through her no matter what so I've not got any letter saying to pay back…
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Juggling bank accounts
Hi. Just looking for a bit of advice and if any of you could help I would love you forever! (Well maybe not forever but for a few hours at least!) I currently have 2 bank accounts. My BoS account has a 1,700 overdraft limit (balance currently approx -£1500) and an abbey account (no overdraft. Low balance) My wages go into…
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Student Finance... is it worth applying for maintenance?
I am about to send off my student finance application, I've done most of it, just on the parent support bit. I am confused about whether I need some of the finance. There are two types of loans offered in student finance, there's the tuition one, for unis and stuff, that obviously I will apply for. But do I need to, or is…
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Total assets = £202m, Total Liabilities = £202m therefore reserve =?
Decided to post here as it's not something I'm serious about. Kind of made me chuckle. Received this: and turned to this page: Total assets = £202m Total liabilities = £202m Does that mean there is no reserved capital? The idea was to reassure that they hold your money, but flicking through the leaflet it just seemed to…
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Natwest opening current account help?
Hey, I applied to open a NatWest Current Plus account in May (Online). I was asked to provide some forms of ID and received all of that back with a standard letter saying I should be notified of the outcome within 7days. This letter was dated the 4th June. I phoned after 9 days had passed and was told they had received a…
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Faster Payment problem
I usually transfer money between my boyfriend and mines account using on-line banking. It usually appears immediately in the others account. He transferred £650 yesterday from the Co-op to my account (natwest). It immediately left his account but did not hit mine nor has it reached it today. Our mortgage payment is coming…
