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S/O not paid and "late payments" on my credit file
Hi all, Being self employed and very busy, sometimes I find it hard to make sure money is in my account on the day that DD's come out. I have never paid ANYONE late though - if a DD has not been honoured due to insufficient funds, I transfer money over from my business account and pay the bill straight away with whoever I…
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Overdrawn RBS basic account
A friends account has gone over drawn by -£10 , am i correct in thinking that if i pay in to this account before 3.30 then the wont be any charges? Please confirm asap if anyone knows if this is the case?
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Gourmet Card Recurring payment issue
Hi All:j I'm after a bit of advice, I got a gourmet dining card 3 month trial and after the first month phoned the company to say I wanted to cancel after the trial. They took £39.99 off my card anyway and when I got in touch said I didn't send my card back so they took payment anyway. No one said I needed to send the card…
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I went over my overdraft
Hi everyone, A couple of months ago i went over my overdraft by about £50 due to a standing order i couldn't cancel. It then caused a knock on effect of causing me to go over the next month. I managed to make them waiver the charge for the second month but i wanted to know if this will affect my credit score? I did ring up…
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Honouring Cancelled Direct Debits
Just got off the phone to my bank who told me that even though I have instructed them to cancel the direct debit, if the company claim for funds under the cancelled instruction the bank may charge me if insufficient funds are present to cover the debit...If this is true, what's the point of cancelling a DD? Surely this…
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Standing Order - Bank Makes A Mistake!
I set up a Standing Order with the bank to run for 15 months and the bank got the completion date wrong and stopped the payments 12 months early! I have only just realised their mistake and am now in an embarrassing situation where payments have not been made - (this was not due to a lack of funds available). Has anyone…
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Nationwide dithering indefinitely on Faster Payments
Nationwide have admitted to me that they have no idea when they will be able to make FP work (apart from their current hand-crafted trials with accounts no-one actually has.) Since FP were announced in 2005, this is a poor show. cottager reported here http://forums.moneysavingexpert.com/showpost.html?p=30790485&postcount=3…
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Student Overdraft Expired
Hello, I’m a little bit panicky here. I’ve just received a letter noting that my student overdraft will expire on April 2nd. It’s currently at £1000. I graduated a year ago and haven’t paid this off due to it taking so long to find employment. It does say that I can apply for the overdraft again but they will look at…
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Whats the best Bank account for my 17 yr old Daughter?
Hi there, my daughter is 17 and in her second year at performing arts college, she needs a bank account to enable her ema to be paid in, which is the best bank for this? Thanks in advance for your help. ;)
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Grand rotate
http://www.moneysavingexpert.com/banking/compare-best-bank-accounts Ok so it says things like this is one best if you earn this much, or if not go for this one, etc. Can you not just open all of those first three - the firstdirect, get the £100, get the £5 a month from HSBC and then get the 5% from A&L. You don't need to…
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bankers draft
Hello there, this may sounds like a silly question but a question nevertheless, what form of ID wil i need when arrangeing a bankers draft, i am with hsbc and i am moving flat this friday and need to give the letting agent £1700 and they said they will only accept bankers drafts. i dont have a valid passport becouse it was…
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Advice on the best basic account for my situation?
Hi, I'm looking for advice on which would be the best basic bank account for me to setup as i am in need for one. I had a look at some suggestions and keep comeing back to Santander. What do you all reccomend? *Notes - I must be able to setup direct debits on the account. Credit rating is not good. I am already with RBS so…
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Quick question about bank transfer to Ireland
Hi, sorry to sound simple.................:) I need to send a deposit of 200 EURO to an account in Ireland. If I were to use online banking, do I just get the exchange rate myself and send the sterling amount of £186? Will his account read £200 EURO once it clears? Or is there an easier way to do it? Kind Regards
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Bank Statement Question
Hi, I am just checking my historical bank statements at Natwest and have a number of entries with "C/R" as the transaction type. The amounts vary from £50 up to a few thousand. Anyone have an idea what C/R refers to? The payment description is just an 8 digit number. I know a bit about banking so my first thought was…
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Debit card advice please
Hi i'm new here i've just signed up for some advice..apologies in advance if i ramble on. my problem is this..i'm a natwest customer and currently have a natwest visa debit card.I'm currently in the usa and last week i used my debit card to book a hotel.But, an hour or so later i cancelled the booking and the manager at…
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Tesco and Maestro card frustration!!!!!!
I've been putting orders through with Tesco groceries for ages, I use a Yorkshire Bank Maestro card. It no longer has an issue number, but to get it through I used to put '99' in the issue number box. This has worked for quite a while, but tonight noticed the website has a new look? So did the order and went through to…
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UK based interest bearing Euro account
Later this year I will be receiving a payment in Euros. I don't feel it is a good time to change in into Sterling and would rather keep it in Euros for now. I know where / how to get a UK based Euro current account, but would like to also get interest. Can anyone tell me where I might find an interest bearing Euro deposit…
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Cahoot - desperately trying to close account
Hi, hope im posting in the right thread:D I have been trying unsuccessful to close my account for over two months now. The main problems are: Cahoots inability to cance a Sky payment via automatic card and close my account in a timely fashion. It takes 4-5 days to transfer cash into the account which is ridiculously long…
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MSE News: Bank charges D-Day tomorrow
This is the discussion thread for the following MSE News Story: "The Office of Fair Trading (OFT) will announce plans for the future of bank charges tomorrow. This follows talks with current account providers and consumer groups, such as MoneySavingExpert.com ..." Read the full story: Bank charges D-Day tomorrow
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Switching service for HSBC?
Does anyone know if they have one? I am being driven to drink by Santander's inflexibility and would like to change banks asap. Only problem is, I can't access online banking so can't get info about my SOs and DDs, so would need a switching service to ensure everything transfers across. Thanks for any info received :)
