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Post Uni Mess... Any advice gratefully received!
Hi everyone, Basically I graduated from uni the past summer and have just got a "real" job. Whilst at uni i was on occasion reckless with money and ended up with several credit cards, overdrafts and consequently defaults. I need to get a debit card so that i can buy things online and sign up for a mobile phone contract…
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Moving to the US
I am moving to the US with work, for an indefinite period, in May. I currently (and have for 25 years+) bank in the UK with the HSBC, so am thinking of opening a HSBC account in the states. Does anyone have any experience of working Stateside and can recommend a bank out there to use? I thought using the HSBC would make…
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Barclays Bank Account
Hi all, Well I used to bank with Barclays Bank. I have a current account with them, a cash card accout whixh i used as bills account & also an account for which i use for ebay sales. Well in December I switched to Halifax reward account, as was not happy with Barclays etc. Well today I have received a letter from them…
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Natwest Step Account gone overdrawn.
We opened a Step account with the Natwest in October so am relatively new to the workings of this account but its taken us overdrawn when i thought it doesn't allow it. My husbands wages were lower than we calculated for which meant we wouldn't have enough for all our DD due out on Monday I was prepared for a charge which…
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Which Bank Account offer free overdraft?
Hi, I am looking to open new bank account. Just wondering - Which Bank Account offer free overdraft? If not free at nominal fee.
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Bouncing already a forthcoming payment, this Monday ? (Barclays)
I'm usually very good at tracking my account and do check it every night online to see that everything is hunky dory. Last night I noticed that my closing balance for Friday was 220 but my cleared balance was -120 (I have a 100 quid overdraft). I could see that all the transactions that would push me over were actually…
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halifax ultimate reward phone insurance
hi ive got a joint ultimate reward account, now my wife has washed her phone in the washing machine. would we be covered as i did register the phone with them is there any excess. cheers
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Concerns re: Multiple bank accounts?
Hi folks, I went into HSBC today to ask a couple of questions about my new Basic Bank Account, and enquire about the best sort of savings account to use. The very irate man I saw seemed not only disheartened at my having a Basic Bank Account, but went on to say how horrible and restricted and nasty they are - going so far…
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First Trust Bank...
Does anyone here bank with First Trust Bank? If so what is your experience of them? Any good? Thanx
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HSBC - Please Help
Help!!! :mad: :( HSBC have a lot to answer for. I really hope someone out there will help me. I had a student bank overdraft with HSBC this was removed in July/August unbeknown to me as I have not been receiving my mail, it has been delivered to another address. This liability has been accepted by Royal Mail in writing. I…
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First Direct - Overdraft
Does anyone know how first direct work when it comes to applying for an overdraft. I opened an account in January, and this month asked for a £250 overdraft which was agreed (they did not do a credit check). If I ask them to increase this to £1000, will they credit check me?
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SOA estimated values
Im posting this here, think I posted it in the wrong place before! Hi everyone, I am trying to work out my budget with buying a house and therefore do an SOA. But until I get into the house I have no idea what my bills are going to be as I have never lived in a comparable property. So im looking for some advice as to…
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Santander Fraud Dept Problem
Hi. Need some advice pelase! Last summer we got a large loan from Abbey to pay off a number of smaller loans/credit cards. We transferred money from our joint account to pay off all the loans. Two of the payments to Barclays were returned twice due to possible fraud even though I confirmed each time with Abbey that the…
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Citibank Question.
I noticed at the beginning of the Basic Bank Account thread Citibank was mentioned a few times but i didn't think they did a basic account. Can anyone tell me how they work? I have looked at the terms for all of the current accounts they offer but even the most basic access one has a minimum income requirement of £20,000.…
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Bank closed account
Hi! My sisters just rung me in tears because her bank has shut her account because she has had a direct debit for £3 rejected due to it taking her overdrawn. Her bank cited the fact that this was the third dd (in 10 yrs!). Unfortunately my sis split from her partner recently & hadnt registered her new address so any…
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RBS - Help please
Hi all, This is my first post, so please be gentle.:) I am 55 & married with a mortgage. We have been with RBS for nearly 20 years and over this time we have a Royalties Gold account and had various overdraughts and loans with RBS. In general we have been a good customer and yes over the years we have paid over the odds in…
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Barclays increase in interest rate
Hi I have a Additions account with Barclays and I've just received a letter to say they're increasing the interest rate on my overdraft from 14.9% to 18.9%!!! I'm sure I've read somewhere that I can 'decline' this, is that right? Trying really hard to get my outgoings down and they aren't helping! Thanks Anna-Marie
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Nationwide online banking ........
Anyone else have trouble with accounts disappearing then reappearing? I have seven accounts with NW. The other day two fixed rate bonds were not visible via online banking. I complained and got a B... S... standard reply about new accounts may take a few days to show etc. I should sent them a form and they would…
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Withdrawing Money From Post Office - First Direct
Guys Any idea if I can just call into my local Post Office to withdraw money from my First Direct account?? It's a lot closer than the nearest ATM.
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HSBC, is this fair?
I have two accounts with HSBC one is a current account and one is a loan account. A standing order on the current account pays the loan account each month. On the current account with the standing order there is no overdraft facility. HSBC made a payment from my standing order account to the loan account account putting me…
