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Banking Internal CreditScore
Ok, maybe someone who works or has worked at a bank can answer this, Does all the banks have an internal credit scoring on customers and can communicate with each other etc. Cause i cannot get the most basic account out there it is so annoying.
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New bank account!
Hi guys can anybody advise which current account would be the best to open as an additional current account,it would only have small amount of money paid in each month and a couple of direct debits.At the moment i have one joint account with my wife and it would life a lot easier if we could have another current…
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Anonymity of cash - justified?
Was wondering what you guys thought on this. Reading newspaper reports and general surveys on the subject, it seems one of the main reasons people are reluctant to switch over to cards completely is anonymity - quite simply, they're afraid of being on some big database. Now I know that cash is obviously the preferred (and…
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Can the cheque be saved?
Just thinking about cheques and how people will manage without them and if they can be saved?? doubt it who are we just customers!! How will we pay tradesman eg washine machine repair people? I usualy give them a cheque. How will granparents give birthday gifts to kids as cash can't be put in the post anymore. How will…
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£75 Nationwide Tfr A/c Incentive
Here we go again ... my only complaint is that I'm running out of other accounts to transfer in! I've done 3 already. http://www.nationwide.co.uk/current_account/switch_to_nationwide.htm here are the t&c's : FlexAccount £75 online switcher terms and conditions The FlexAccount £75 online switcher offer is subject to the…
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Lloyds charges question
I was wondering can a bank charge you unplanned overdraft fees, when the banks own charges have put you over your limit. Last month example - My account has a £200 overdraft limit, at the end of the business day i was £197 overdrawn The next day £165 had been charged to my account so my balance was £362 overdrawn So…
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Halifax Cheque book
I applied for the reward account Jan 6th After much trouble, i get the account up & running on something like 6th Feb. They were going to send my card out, but then it never came, so i called & it came a few days later. As of [around] Feb 6th, all was well. I've no cheque book i've just realised though. At what point…
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MSE News: Nationwide revives current account bonus
This is the discussion thread for the following MSE News Story: "Nationwide has revived its bonus paid to those who make its FlexAccount their main current account. The sweetener also applies to those ..." Read the full story: Nationwide revives current account bonus
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Are current accounts and savings account treated separate with same bank?
Casual question. Nothing serious. Does the bank treat savings account and current account as separate entities? Or as a whole. There is no certain particular answer that I am after. Just your own personal opinion. Nor am I after particular advice. I look forward to the replies. If any.
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Natwest Current Plus
Ok, so we have had a Step account with Natwest for about 9 years, haven't had any charges with them for about 3 yrs, but credit rating leaves a lot to be desired:embarasse My wages currently get paid into my Lloyds TSB account, but tax credits, child benefit etc go into the Natwest acct. on a weekly basis. Applied for a…
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Email address for Halifax
Does anyone have an email address for Halifax, my phones been cut off, and I can't get on my account online, need to contact them asap, please!
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Alliance and leicester
Hi everyone, Is there a problem with alliance's online banking today? When I try to log in it says internet access blocked, after it's had my ID number but before its asked for a pin. I've rang the number that comes up: 0844 800 11 44 and it's just a robot, it asks for my ID again and my pin then says security verification…
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HSBC Plus now HSBC Advance
Effective today, the HSBC Plus bank account has been renamed HSBC Advance. Most of the account features appear the same, though I think there may also be one or two new ones - existing HSBC Plus customers will be automatically migrated to HSBC Advance. It appears to be a global effort by HSBC to try and standardise their…
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Direct debits
Can i just cancel a direct debit, or do i need to inform the company in writing? like most i am reviewing my outgoings and i have £13 a month going to 2 companies as charitable donations, and i need to look at binning them any advise welcomed
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Barclays Turnover up 70% - no return on my savings why?
I see in the press that Barclays turnover is up 70% in the past year to around £10bn. I also understand that this increase is largely due to its investment banking arm. Investment banks advise on acquisitons and mergers and investments at a national level and international level. This is where I get puzzled. Banks are…
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Nationwide online transfers
Hi, Has anyone recently experienced any problems when trying to transfer money online? I was trying to pay bill last week and it let's me into the first screen (pick who and how much you want to pay) but when you click next it says "sorry, error occured". I thought it was one off, but it did it to me again just now. Anyone…
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Direct Debit Guarantee-not exactly true
It has always been my understanding that the direct debit guarantee (ddg) offered by the banks is a safeguard for the customer against unauthorised and incorrect taking of the direct debit by creditors. The ddg promises immediate refund of wrongful direct debits. When I rang my bank on the day I noticed an unauthorised…
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Money coming out my bank that no-one knows where from!!
Hi there Hoping someone might be able to help. I just checked my online banking and noticed 2 amounts coming out an account I only use for the purpose of child benefit getting paid into, nobody else has this account number as I never give it out. First is £25 for an arrestment fee, other is £137.10 for a court order. Now I…
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Packaged Current accounts offering iPhone Mobile Phone Insurance
Hello all, After reading a comment recently about the First Directory account mobile phone insurance not covering an iPhone, I was wondering, does anyone know of a packaged account offering insurance for the iPhone? Thanks in advance:j
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Writing a US cheque
I need to send someone a cheque (or should that be a check?) in US dollars. I have a USD account and a USD chequebook and everything should be fine. But I've never written a US check before, so I googled to see if the formatting was different. The main thing seems to be regarding the amount in words. On a UK cheque for…
