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Cost of Borrowing-help needed to determine best options
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HSBC Overdraft questions
I have a HSBC bank account (Just a standard current one) - Well I have 2 actually which is where this post is going! I recently had to make a cash withdrawal for something totalling around £200. I took this out of a cash machine no problems at all, until I got home and checked my Internet Banking to find one of my accounts…
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Is there a bank account with multiple "pots"
Hi, At the moment, I put about £150 away a month towards annual bills and car servicing etc. It is all in one account and I can never work out how much I have towards each bill. Are there any accounts (prefereably online) that you can separate the money into separate pots - a bit like the money box I used to have as a kid…
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Second current account for CHB and CTC??
I'm starting the new year with a more organised approach to my finances and wanted to open a separate bank account for my Child Benefit and Child Tax Credit to go into instead of straight into my current account where it can easily be swollowed up! Is this possible? Do I need to go to a different bank to my usual (HSBC)?…
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Current account with NO credit history
hi all just a quick question. My partner has been living in spain for the last 10 years but moved back to the uk middle of last year. She has finally managed to get the required documentation to open a bank account, she had previously been using my bank or her wages etc. We are planning to sort out a bank account in her…
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Abbey/Santander moan....
Blodey Abbey.... Doesnt really matter but thought id have a moan... I went into my local branch to change my account from the prefered overdraft interest rate to to prefered in credit option... No change in overdraft or anything credit related...Still the same account i opened years ago!! They did a credit search as I have…
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Donating money to charity
My friend is doing some sort of marathon for charity (Marie Curie Cancer Care) to raise money, and I would like to sponsor her. I would like to donate £1 or £2 from my account. Would the bank block this transaction, due to the 'unusual' amount, etc...? Would I get an invoice sent to my home address to say that I paid? By…
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Best account for FREE international withdrawals?
Hi! Im going traveling for a year across S.E.A and south America.im trying to find a bank account that gives free international withdrawals or the best deal for someone like me.. Ive heard about sanatndar (or however you spell it) but when my partner went in he was told something about a credit card and payments..which is…
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Joint account for house rent
Basically me and my friends have just got a house for the 2nd year of uni, we're sending off the deposit soon. The rent is £390 each a month, so that's £1950 a month. The rent needs to be sent as one lump sum to the landlord so we'll be setting up a joint account. I was wondering if people could advice which would be a…
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MSE News: Dump Barclays fee-paying accounts after rate hike
"Hundreds of thousands of Barclays customers on fee-paying current accounts will see the cost of their overdraft hiked from April..." Read the full story: Dump Barclays fee-paying accounts after rate hike
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HSBC cheque paid into HSBC account - how long to clear
Hi all I've got a HSBC cheque from someone (AA breakdown repair cover insurance payout) and want to pay it into my current account, which is also HSBC. How long will it take to clear? Cheers Lee
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Halifax Overdraft Charges?
This may have been posted before, so apologies if so, I had a search and couldn't find it meantioned. After logging into my Halifax Current account today, a screen popped up with this message: We recently wrote to you explaining some important changes to your current account. These have now taken place. We've changed the…
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Made a complaint and got overdraft charges waived!
I have one of Abbey's 6% interest current accounts. Last week, I phoned up to check my balance and found out I was overdrawn by less than £10 (my mistake). Santander is obviously using a call centre abroad as I could barely understand the guy on the phone who advised me if I put money in the next day I would not be charged…
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Advice on switching
Hello all, a little advice is needed on swithcing accounts. In currently have a barclays current account and I also have an alliance and leicester premier direct account. My barclays account has been my main acount for years andI have quite a large overdraft (1.7k) but I find myself constantly going over that and am in a…
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Possible to hurry a 3-4 day electronic transfer?
Due to a couple of bank errors, Alliance and Leicester have been very slow to act upon my instruction to close our joint bank account and transfer the money into my HSBC or send a cheque. The timing is imperitive as I am emmigrating and I have a job waiting at the other end. Originally had the instruction gone through…
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AL: Premier and Premier Direct - can you have both?
Hi Wondering if someone has two Alliance & Leicester accounts: a premier and a premier direct. I have a Premier account but I'd rather have a Premier Direct because of the interest. I have read in the forums that you can swap them over but before I did that I wondered whether I could actually: 1) Refer myself as premier…
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Halifax Online Banking website problem
Just a heads up. The Halifax Online Website has problems this morning. (19.2.2010) It is showing that details entered are incorrect (when they are). There is a message on their phone line saying they have problems. I have spoken to Customer Services and they say wait a few hours and try again. Don't bother doing what I did…
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Wanting to Move Banks
Hello, I am currently with HSBC and want to move to another bank. I had some financial trouble a few years ago and ended up having to clear my overdraft and personal loan with another Managed Loan. This loan still has about 2500 - 3000 left to pay on it. I am paying £70 per month on this loan which clears very little as it…
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Closing unused current accounts
My wife and I have a joint current account which we pay our salaries into and all our payments/bills are taken out of. We both have our old pre-marriage current accounts which are sitting at £0. We both agree that these old current accounts are a bit pointless and we could simplify our paperwork by closing them. Are there…
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sever finanacial association on credit report
Hi,is it possible to sever a credit report financial association whilst married and a joint bank account exists, albeit frozen / in dispute but in credit by ten quid.On my credit report the only financial association is due to that one bank account which i would like closed but my wife refuses to sign anything that might…
