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Setanta direct debit paid
My Setanta DD was taken on 23rd June - the day they announced they were closing - I checked online bank last night and Setanta had taken 2 x DD on 23rd. Had to argue with Barclays to get one DD repaid immediately (as they were only entitled to take 1 x payment) - but the advisor kept saying I'd have to wait for the…
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Cheques move a step closer to extinction
This thread is to discuss the following news story: Cheques move a step closer to extinction
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best standard current account with debit card to apply for?
Hi, My boyfriend opened a current account with Nationwide last year. They sent him a cash card not a debit card and when he requested a debit card they said he could not get one straight away and he would have to wait a few months. After waiting a while he tried to do this, had to go into a branch where they told him he…
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HSBC Student Account Issues.
Hello all, I really need advice :( . I'm 24 and have been in employment since I saw 16, being full time for the last 4 years or so. My credit file has never had a single default and is quite good. I recently applied for a HSBC student account because they seemed the most competitive and the 2yrs after graduation whereby I…
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Money withdrawn from cash machine even though I have card
I have reported this and the bank is being helpful - However I cannot understand how this is possible? I have the card and it has chip and pin which cannot be skimmed. How do scammers do this?????
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Timeline set for end of Cheque Guarantee Card Scheme
http://news.bbc.co.uk/1/hi/business/8119346.stm Can't say I've used mine in years so I'll probably not miss it.
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Two Student Overdrafts
Hi. I was wondering if anybody could help me. I have just left University and have 2 student overdrafts totaling nearly 3000. Can anyone advise me the best way to pay these off? High interest on them starts soon!! I have been advised to maybe take out a loan and pay them off that way so i just have the one loan payment?…
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Fees for depositing Foreign cheques
Hi, I've just receievd a cheque from Australia in Oz dollars. Do you know how much either Nationwide or Natwest will charge me to deposit this cheque? Thanks, Darrell
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What information do i provide for a bank transfer?
Hi all, Just a quick question. I have sold an item on a forum that i use and the buyer would prefer to pay via bank transfer. I am with the Cooperative bank, anyone know which details to forward this person? Thanks
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Moving From Joint bank Account to Separate Accounts
Hello there, I'm hoping that I can get forum users experiences on moving from a joint account to two separate accounts. At the moment my wife and I have a joint account from which all our bills and day-to-day spending is paid. My wife's attitude to spending is very different from my own and often leads to arguments. She…
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Advice With The MSE Budget Planner Please
Hi! I'm new to the site - yes I know I've been hiding under a rock for god knows how long :D Anyway, today I downloaded the MSE Budget Planner after realising this morning we've overspent this month. I've entered all the figures in correctly as far as I can see - both income & expenses. The end result I was very surprised…
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How do i get new account with bad credit rating.
Hi all, need some help. Was sequetrated/made bankrupt in April 2006, just in the last few days of getting everything sorted and coming out of it. Currently got HSBC plus account, but looking to get a new account. How can i manage this as my credit is terrible and i can't see anyone wanting to take a chance. I clear £2750 a…
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Creditors spending guidelines
Hi looking for some help, lots of websites and debt info places talk about you having to stick to creditors guidelines when it comes to budgeting etc or creating a debt management plan, does anyone know what these guidelines are???? It would help me alot if there was a budget sheet filled in with what creditors would class…
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First Direct?
Hi, I'm considering moving my current account from Abbey to First Direct as they have quite an attractive offer of £100 if I pay in £1500 per month within 3 months of opening. I've asked Abbey if I could go back onto their preferred in-credit rate and they said no so I'm stuck on 1.5% which gives me around £2 interest per…
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Online payment from (imminently closed) LTSB account to HSBC - slow, not lost, right?
Okay, I'm probably wigging out about nothing here. I had a LTSB account (old TSB 'remote' account) which was in the process of being closed this week - I sent off a signed form from their postal 'closure packet' at the beginning of the week. A company I did some freelance work for paid their fee into this account. The…
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Nationwide foreign transaction fee NOT increasing to 1%
Didn't see this mentioned anywhere previously - apparently Visa is not increasing the 0.84% fee they charge on transactions outside the EU, and Nationwide has said that as they are simply passing on the fee it will also remain at 0.84% using their credit/debit cards. So in summary: the proposed increase to 1% in July isn't…
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Nationwide reducing overdraft by £550, HELP
I have just rcvd a letter from Nationwide telling me that they are reducing our joint acc overdraft limit from £2000 to £1450 from 11th July. They reduced it a few months ago by £750 and are now reducing it again. Our financial situation is far from good - which is why I suspect they are reducing it. We missed 4 direct…
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Transferring money to a closed bank account..
Hello My sister has transferred £100 from her barclays account to my CLOSED alliance an leicester account by mistake. This account has been closed for a year and she did it last saturday, it has gone out of her account with no problem, what will happen to the money? Will it be returned to barclays? Thanks
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I need help picking a new bank
I am new. This is my current situation: Barclays have messed me around loads the past few years, and on Friday I decided to go and empty out my accounts with them and then have the accounts closed (thought the closing hasn't gone through yet). I have about £1,500 (with about £2,500 to come soonish) I currently earn £400…
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Why are Natwest charging so much for my overdraft?
I have an agreed £4,500 OD with Natwest, and am near that limit right now...I was a first time buyer, just bought a property so knew I'd have to dip quite a bit into the overdraft. Anyway, as far as I've ever seen, Natwest have been charging 29.9% interest on this 'unarranged overdraft'. How is it 'unarranged' if it's…
