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American "Check"
Morning all, A relative of mine in the U.S. has recently sent me a check for USD 160. I'm wondering what the best way to get the money is, losing the least amount of money in the transaction. I have a current account with Barclays but I suspect they will fleece me! The check is from the Citizen's Financial Group of Rhode…
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Bank charges put me overdrawn and then I get charged for that too!!!
Yeah I know the simple answer is check my account for any charges, but I missed this one. It was a £5 debit interest charge that I missed. It's put my account £1.17 above my £500 overdraft limit. So now I get charged a £20 management fee, and a service fee of £20 a day (up to a maximum of 4 charges per month). What gets me…
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Barclays Bank query over when debits are applied
Hello I should know the answer to this, and I'm a little embarrassed at having to ask... however: I am expecting funds into my account at midnight tonight. I currently have a positive balance but can see from my records that not all of my spending has come out of my account yet. I am wondering if the fact that I have a…
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Repaying loan off earlier, questions!!!
Hi I am trying to help my friend repay the loan off earlier, (with lloyds tsb) and there is a point in his agreement, i am trying to make sure i ve got facts right: if one repays it off ealier there is a fee equal to 58 days interest up to £250. calculated on daily basis. my friends still has just over 6k to payy of at…
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HSBC to First Direct- can I still get £100?
I bank with HSBC, but am interested in switching to First Direct then back again in six months to make £200. As the two banks are connected, does anyone know if I am still eligible for the offer? Thanks :-)
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Barclays - how do I see my "limits"?
Hi, was just hoping somebody from Barclays (or anyone in the know really) could help me with this :) I keep hearing on here about Barclays' "pre-approved limits" for various products (loans, credit cards) that appear online - however, I've never seen any for myself, presumably because I have a student account. But if I…
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AER Interest Rates
Hi, I could do with a bit of advice about Bank Interest AER payments. Barclays currently have a 12 month monthly saver plan offering 6% AER on savings between £20 and £250 monthly. I dont want to appear stupid, but does this mean that 6% is paid each month, less tax, compounding, which I cant realy believe is possible in…
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Best Current Account for spending?
Approx £500 per month....NOT Alliance and Leicester though
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Joint Savings Account in Three Names
Hi Does anyone know if its possible to hold a Savings Account in three joint names? I just called my bank, First Direct, and you can only have two names on a joint saving account. Thanks, Donal_f
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Opening a Bank Account
Hi All, Hope someone can assist me in my problem.............. I been trying to open a basic banks account and have tried the following accounts. Co-Op Cash Minder HSBC Lloyds Barclays Natwest and a few others All these Banks have refused to open me an account (even though i am only applying for a basic account). I have…
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Bank account for friends
A group of friends wish to open a bank account to save for various functions and events over the year. I have opened bank accounts for formed groups i.e. local sports team, but this was more formalised with an AGM, Chairman, Treasurer etc. Is it possible to open a "Club" account without all the formality? Would also like…
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Halifax bank
firstly I'd like to say hello to all, now the fun bit:- what is the most anyone has been charged for being overdrawn for one day? i only ask this question as i seem to have been charged a total of £63 for being 59p overdrawn for one day :mad:, that to me seems a bit(under estimation) on the steep side. i have contacted my…
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Overdraft question
I have a £750 overdraft with natwest , and i want to get out of it and get rid of it , i hate it! what i need to know is , can i gradually lower the overdraft ? eg: when i get paid , i could afford to take £100 off it every 2 weeks , is it possible to ring them up every 2 weeks and lower it by £100 , ie lower it to £650 ,…
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Surname change
Sorry, didnt really know where to post this. Wonder if anyone can advise. If I am divorced and then remarry do I legally need to change the surname on a bank account ?
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Alliance & Leicester £100 Scam!
I opened one of the accounts that paid £100 as long as a certain amount was paid in each month. It also said that you had to switch atleast one payment from your old account to the A&L account. I only had one standing order so I switched it to A&L. I've had a letter today saying because I didn't switch a DD in the first 11…
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Natwest query..
Ok we have various accounts and we have decided to use one of dh's for our holiday funds. It is in just his name..now i have been in a few times and deposited money and every time i get a different responce..some days they click it nt my card as i pay more then one account in and they ask me to pass it through..some days…
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Can't Choose - Nationwide Account or CitiBank Euro?
Hi All - I need some help! I am moving to Germany temporarily for 8 months in August for my job, and looking at financial side of things at the minute. I am on a UK contract and will continue to be paid in sterling into my A&L Premier account, which I don't want to leave because of the favourable interest rate. I want to…
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current or savings?which is easier?
Hi.The question is, i have quite low credit score, i'm not working anywhere at the moment, but i have quite a lot to put to the account, which one is easier to open current or savings account?Thank you
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Bank account reqs £1500 a month - can I just trans in and out?
Looking at First Direct's 1st account. £100 bonus if you put in £1500 a month. I only earn £900. Can I just transfer the whole amount out to my old bank account every month, then stick it back in. Thus £1800 is actually paid in? Also does anyone know if any cashback site has First Direct. Quidco doesn't and that the only…
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halifax easy cash account
Hello Besides going into a branch is there an alternative way of paying money into your account please. Thanks
