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bank account charges
Hi all I have written a letter to my bank requesting my charges back, they sent me back a form for my income/outcome, which I have sent back, they have sent a letter now stating that I do not meet their criiteria for being in financial hardship and that they will not refund my charges until they have heard the outcome of…
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Abbey bank charges
Hi guys, I'm being hammered for bank charges by Abbey following my redundancy earlier this year. I did manage to get another job but my salary barely covers my commitments. Consequently, they have applied bank charges last month which has meant that there is not enough money to honour this months direct debits which will…
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Credit History = good for past 2 years but have still be declined credit card
Hi, A few years ago my credit was in a pretty bad state. In 2007 I started really trying hard, got a steady job and havn't missed a payment on any of my 8 accounts since. I have checked on Equifax, and my record is good for the past 2 years, however, from 2005 - 2007 the record is a bit hit and miss. I do have a DMP at the…
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Bank will not refund Sainsburys overcharge - help!
We spent £9.48 at our local sainsburys on May 30th (shows as June 1st on bank statement). A few transactions down there is another charge of £9.48 to sainsburys! We only shopped there once, so they have obviously processed our transaction twice. We contacted Abbey who sent us out a form to sign to confirm we did not…
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Can our supermarkets take on the banks?
http://money.uk.msn.com/banking/current_accounts/article.aspx?cp-documentid=148033985 The mighty Tesco now into banking
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fraud
Hi, iv recently round out that someone has been spending my money after they've got my card details from somewhere, iv alerted the banks and police etc, but is there any way you ever get to find out who has done it, so that you can press charges....??
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Help on my Monthly Finances (what should i do?)
I was just wondering if you could help me out with my finances. Im 25 years old. My Residential status is Living With Parents and i have been living there for around 12 years. Iam Full Time employed and have been working at the company for 5 years and 3 months. My annual Salary is £22880. I have a personal Loan with…
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have a £1000 overdraft and can't pay it back
I have a bank account with halifax and it is overdrawn by £1000. They are taking £24 a month in interest from the account so now I am more than £1000 overdrawn. They send me letters saying that i do not have permission to go over my agreed limit of a £1000 even though they are the only ones taking money out each month…
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Student Overdraft Running Out
Hello I have read the forum and main site for the last few weeks but would like a personal response as i am now worrying. My student bank overdraft stops being interest free in July this year but i am still 1000 overdrawn. (HSBC) I noticed there are 0% overdrafts out there but wondered which would be the best for me? Any…
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How do I use monthly desired in budget planner?
Hi I've been using the budget planner but I'm not too sure what to do with the monthly desired column (part C). Hope you can help. All the best. Karen
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Opening a bank account from outside the UK
I'm planning on travelling for the next two years and so am trying to get my savings sorted into an ISA and a normal savings account. I was fully prepared to lock both at fixed rates so I didn't have to worry about them while I was away. However, there is a lot of talk on these forums about interest rates being likely to…
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bank account and benefit
hi quick question. very long story short.. if your overdrawn at the bank and your housing benefit goes in can you go to the bank as ask for it. or can they keep it all? tenants money goes in this month and she overdrawn more than the housing benefit. we expected (me )the landlord get it tho this month into my account and…
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Cashback Sites
I applied to open an Alliance and Leicester a/c through Wepromiseto on 22/3/09. They promised to give another £50.00. The a/c was finally opened after my existing bank refused to provide A&L with a list of DD's. I got the £100 from A&L. I've just gone on to my Wepromiseto a/c and gone to Helpdesk - Missing Cashback.…
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Help needed,as bank !!!!-up with DD five years later
Hi Can anybody help? I had a bank account with a good bank for a number of years and it paid all my DD on time. I moved abroad 5 years ago and wrote a letter to my Bank listing DD to be cancelled and the dates. Six month later a letter arrives from a Debt collection agency saying that a default had been registered against…
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Current Account Question
I have two Direct Debits coming out tomorrow (23rd) for around £75, and I have £70 sitting in the account. I get paid tomorrow also. Does the money for the DD's need to be in the account before the day they come out or will a credit on the same day be taken into account? Also, if I set up a standing order for put £50 into…
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What is the best way to handle company expenses
Hi all, I hope someone can give me some good advice on this as I have been struggling for a solution for some time. I work from home for a company who are based overseas as a rep for them. I have to make all of my own expenses and then submit my receipts to claim it back. When I got the job i reluctantly opened up a credit…
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Query over cancelled direct debit / indemnity claim
Hi all I've been reading through the posts in here about indemnity claims. I've not really heard of them before so wanted to ask a question about them. In August last year I swapped bank accounts from Barclays to Abbey, and in doing so all of my direct debits were transferred over to Abbey by their tracking team. There…
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HSBC stole my money
In 2007 I had a few financial problems not being able to pay a HSBC loan and credit card, these were sold to a debt collecting agency and in Dec2007 I sold my house and paid both debts off in full. April this year CSA, by mistake, made a payment to an old HSBC account I use to have, which was closed. After vast amounts of…
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Trustee on account - yet child can withdraw money without my permission
I was looking for a bit of advice. I've been a trustee on my childrens accounts since they were set up as babies. A few weeks ago my son went into the bank and asked for a ATM card. I'm not sure about the rest of the process, but the first I know about it is cash being withdrawn from the account. Yes it was my son, but he…
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Getting a joint back account
Me and good lady just got engaged and are thinking of opening a Joint account Any pointers on this one? Do we need to be aware of anything other than the norm? We currently both have separate banks. What are the best options available?
