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Joint Bank account with no credit check?
My partner and I want to open a joint account, but to be honest - both of us don't have a great credit rating. We want an account which gives us a debit card (it can be electron or whatever) and will allow us to gradually build up the account, to a full account once they see that money is going into the account, bills…
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credit report / scoring and overseas
hi there,Does anyone know if someone runs up debts and ends up trashing their credit score in the UK, could/would this affect future credit applications if the individual moved overseas?.Thanks in anticipation.
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how to prove the date a standing order was stopped
Hi, last year I set up, with A&L, 2 standing orders at the same time, both to run for 12 months. but it seems that one stopped and one carried on. This was for a 12 months saving plan with Barclays. when they matured at the end of December they were both cashed in, that was that or so I thought. It seems now that one had…
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My A&L bank charges are out of control!
Can anyone offer me any advice about my A&L bank charges, I'm so worried. This is my fault for not sorting this earlier, but I have ended up with £500 worth of charges. Let me explain. I opened a current account last year to get the £100 incentive, which I paid off my credit card, as I am trying to clear my debts. I had to…
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Has everyone else Halifax Guarented Overdaft Now Gone
I only just notice but when I log on to my overdaft rate, the guarentte limt has now gone. it was £1900 but not it does not display anything just says enter the amount you wish to increase the amount to and press submit, also loads of info now in a scroll down box, I was just woundering if it was the same for everyone…
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Banking from the USA
I am living in the USA and my dad has sold the family home and is splitting the proceeds between my siblings. We want to hold onto the money approx £35,000 but keep it in a UK bank account as we are planning on returning in the next few years. What is the best bank accounts and rates Thanks in advance
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Why do we need to sign on the rear of a Debit card
Whilst in one of Morrisons supermarket today the lady in front of me went to put her debit card in the machine ,the lady on the till remarked that it was not signed, she then said sometimes it will come up on her till that the card cannot be verified due to not having a signature on,So she would not be able to complete the…
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Fees when receiving money from abroad?
Hello everyone! Hopefully, someone will be able to shed some light on my siuation before I go to the bank. My parents sent me £1000 from France. They choose to pay all the fees themselves so that I can receive the £1000 without having to pay any charge/fees once it lands on my barclays account. However, I saw today that…
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Halifax Bank Credit?
I have just checked my online banking and have received a credit into my account called 'bank credit' for 30.00. I have no idea what this is?! I keep a close eye on my accounts and know what's coming and going daily, so I'm unsure what this means? I'm not expecting 30.00 to be credited though. Any ideas? Thanks!
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Alliance and Leicester charges rip-off
My wife and I set up a joint premier direct account with A&L after reading the best bank accounts advice last year. This is a decent account however you should be aware of the potential downsides which aren't included in these reviews. One of them being their charges policy. I have found A&L charging policy and setup of…
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NatWest Step Account
Hi all, Having been with Barclays for just over a year now they will not upgrade me to a normal current account from my basic cash card account (with Visa Debit though) even though I have behaved myself with them. I dont want to be credit checked for the upgrade if you catch my drift. I have heard about the Natwest step…
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£300 missing in bank cyber-space!
I'm not sure if this is the right board to post on, so apologies if it's not and feel free to point me in the direction of the right place. I have a bit of a problem that I don't appear to be getting any help with from the banks concerned. Basically I paid for some car repairs on Tues this week that were due to cost £100.…
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HBOS Interest rates missing off internet
I have accessed my HBOS accounts via the internet and found that the actual interest rate value, has now disappeared from all my accounts. Basically I dont know what my accounts are earning now and wondered if it was some underhand tactic by the Halifax for a rate reduction and not letting the customer know. I would be…
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Humph ! Mrs Hillcats wasting Money...
Well, that's blown it.... :( So much for the Mrs' full agreement that we work hard to clear our mortgage ! Today, whilst out and about in a town that we very rarely visit we went into "Poundland" and she spent £20.00 on many different items (admittedly 2 / 3 items were mine) and we walked out quite satisfied that we had…
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Joint Account
Just a quick question regarding joint current accounts. I'm thinking of opening a joint FlexAccount at Nationwide with my girlfriend. We wouldn't need an overdraft, so just wondered if you can ask them to not put an overdraft on the account, and whether this still results in you being financially linked at the credit…
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FPS, BACS and Cahoot...
Hi all, I thought I'd ask around and see what might be the best thing to do here... I get paid weekly as a contractor and payment is released on a Thursday. Colleagues with banks such as Barclays and Natwest receive their pay the same day or next day whereas I receive mine usually on a Monday or occasionally a Tuesday.…
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lloyds wont transfer money
hi all can anyone give me any idea why lloyds wont transfer the money my partner has just asked them to we have a joint current account with them and he has already set up for money to be transfered to my other current account he logged online today and asked them to transfer £1000 to my current account there is just over…
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TV Licence and Standing Orders
hello, why is that the TV licence people will not accept standing order as a payment method... for many people this is the most effective way to pay..... does anyone else agree? has anyone else found this a problem? does anyone know of any ways around this? (that are not direct debits which are not good for people on…
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Opening additional Lloyds account online
Hi, I have been trying to open an additional account online using ebanking - however I am getting the message - 'we cannot process your request online, pelease call into a branch'. Anyone any ideas on why this is happening? I thought they could do it online. Looked at the other tabs and it allows me to apply for loans /…
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Nationwide Flex Account query
Hi, could some please clarify how I can open a Nationwide Flex Account including a debit card without making it my main current account? I want to use the card for travelling abroad and do not quite understand the text below? Many thanks 'Nationwide wants you use this as your main current account, yet you can sneakily…
