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A&l..
Hi all, After watching the thread regarding the HBOS Rewards Current account I thought I'd take a look at A&L, they seem to do a refer-a-friend system whereby you and a friend get £50 to share. I understand that a minimum has to go into the account each month but with Faster Payments from HBOS to A&L and back again..…
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Need advice on customer's bounced cheque
We run a small food business and recently two cheques were sent back to us (on separate days) marked 'refer to drawer'. They were from the same customer, but the cheques were 6 days apart. I've visited them twice already asking (politely) for the money from the first cheque. She said something along the lines of .."I need…
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Debit card payment made against closed account
Hiya, small question here. I closed a Lloyds account sometime around August 2008 and moved to Barclays. A few weeks ago I logged into my Interactive Investor account and transferred some money over to buy some ISA funds, it all went through ok. Then yesterday I made another transfer but realised that the debit card number…
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Halifax data to CRA
Hi, My other half 2 Halifax Current Accounts but on her equifax credit report it showing 4. Now it shows the last 4 didgits of the roll number, we have recognised 2 of them but the other 2 has 32S & 102S on them which are unknown. Has anyone else had the same problem? We have reported that to Equifax and they have sent a…
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Best UK Business Account for receiving 2 electronic payment a month from USA & Europ
I are trying to work out what business bank account I should open, in order to receive my revenue efficiently. I will be getting 2 electronic payments coming into my account each month, 1 from Europe in £s and 1 from the USA in £s. My turnover will be under ¼ of million. There will not be much out going costs. I have…
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Personal bookkeeping books?
I'm looking for a decent book on bookkeeping for personal finances. My aim is to record all my expenditure and income on my computer, reconcile my accounts (every month I suppose), and figure out where I'm wasting money. Most of the books I found on amazon concentrated on a specific piece of computer software, like…
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Bank account in New Zealand
Hi, First off - apologies if I put this in the wrong thread and please shout at me if I have but this is the nearest I could find which would cover it. This may also seems a strange request but I want to open a bank account in New Zealand dollars but here in the UK. I live in the UK but want to start up a home business…
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Access to bank statements without full online banking?
I'd rather not enable online banking for things like paying bills / setting up standing orders, because I don't want to make it any easier to steal money from me. On the other hand, I'd definitely like online access to statements so I can more easily keep track of my spending. That would be a good thing, because I don't…
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Current Account for Someone Bad With Money
Hi, Sorry if this has already been asked, i'm struggling to get to grips with the forums and would appreciate some guidance. My wife is pretty bad with money, she consistently spends more than she can afford and in *many* occasions exceeds her #500 overdraft and racks up expensive fees. She recognises she is bad, but is…
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Bank changing my account
I have just had a regular mailing from my bank - NatWest - about changes to their terms and conditions. Often these seem quite minor but I noticed that one thing this time allows the bank to change my account to another account within their current range as long as: a) they have a "valid reason" (whatever that means), and…
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Joint account problem
I still have a joint account (Santander)with my ex. It is in the red to the tune of £1354.85. He is the one that racked the debt up. I am aware however that we are jointly liable for the whole debt. I tried to get the account closed when we split up (May 05!) & was tols by the bank that they couldn't close it unless it was…
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Halifax Reward Account - Have I Lost the Plot?
I am 'certain' (?) that when I applied for a Halifax Rewards account in January, there was an offer on that you received a payment(I think £75) when the account was opened and all your direct debits had transferred to it from your previous account. I'm now reaching that stage, but can't find any reference, anywhere, to…
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Best bank account for internet banking + general service
Hi I realise it's not exactly "moneysaving" as I'm not after the best interest deal. Been there done that - went with A&L, enjoyed the year of 8.5% they were doing at the time (it's funny, even 0.85% is unthinkable now!) but I've always hated their internet banking system which is never up to date and the last transaction…
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Advice needed - lodged irish cheques into Uk account
Hey I was wondering if anybody has been in similar situation or would know what to do for the best here.....basically my hubby and I bank with a bank in NI (Ulster Bank) and we have credit cards and a personal loan with them. We are currently seeing CAB and the adviser has written off to the bank and our other creditors…
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Paypal Transfers - Hidden Delay & Cost
A friend recently transferred some money to me using Paypals "Same Day Service". It cost 10 pounds I believe. What they did not tell her was that it would take me 3-5 days to have the money transferred from my Paypal account to my bank account. Alternatively I could have it in 1-2 days by paying an additional 10 pounds. In…
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Lloyds TSB Security Breach?
Tried logging in to Lloyds TSB online banking earlier to be asked for my email address on the third screen which is very unusual. Closing the browser, re-opening it, clearing the cache, etc, and trying again was asked for my email addy and the login failed. I called the up to do what I wanted to do online, over the phone.…
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First Direct - Credit Report
Just wondering if anyone else has experienced this? I've just found out that if you have a bounced direct debit from a First Direct current account - even if you pay it the same day - they sent that to the credit reference agencies as a late payment, which flags up as a '1 / Warning' on your credit record. The customer…
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banks oh what joy
hi there everyboby this is my first time so here goes!!!!! my wonderful bank has sent me to tears today, i checked my account :( < telephone banking> overdrawn as usual but still had money in my account my child tax gets paid in on a thursday that covers my child care costs so this afternoon i try and draw out the money…
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over draft fee
hi, can you tell me if it is legal for a bank account to charge you twice on your unauthorised over draft e.g Say you go over your agreed limit by £26.50. when money goes into your account they automaticaly take the £26.50 back that you went over drawn by plus over draft fee plus £26.50 for the money they covered for you…
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A&L Premier Account - £25.00 Unauth O/D Charges!
Hiya, I've had an A&L current account for a year now. Salary paid in, until last October. ESA paid in since then. As I went overdrawn for 5 days last week 8th - 12th March inc, they have charged me £5.00 per day = £25.00. Or rather, they are due to charge me this on April 17th. I phoned A&L today and asked them if, as a…
