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Cheque Clearing Time Problem
I wonder if anyone can help with clarification about the delay in the clearing of a cheque I received recently? Having won some money at a large bookmaking chain (William Hill plc) they paid me with a cheque issued on their Nat West account for UKP 410,264.50p (on a side note I had asked for some of it in cash but they…
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Help needed - LOST MONEY TRANSFER - Currencies Direct, Hsbc, Alliance & Leicester
I have a euro bank account and wanted to transfer 3000 EUR into my sterling account, I followed advice on MSE and used CURRENCIES DIRECT in order to get the best exchange rate and lowest fee (see MSE section on foreign currency transfers under £5000). Since then, the money (£2049 equiv) has left the euro account, received…
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Why am I better off on benefits than I am in work?
Hi all, I just got news this morning that a job interview I went for was a sucesss! I'm really pleased about this and I had a hurried 5 minute talk with the disability advisor in the Jobcentre this afternoon and she done a benefit check up with me to see if I would be better off in work should I take this job. If you read…
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Lloyds TSB - Cash Account help?
I went in to a Branch today and they tried to check my risk banding and said there was nothing on there. They then said the Cash Account is not risk banded? Is it possible to upgrade this account based on usage alone? as my credit is very bad and not likely to improve in the next 2/4 years! The account is fine but don't…
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Savings accounts...?
Can you have as many as you wish? Or is that not a good idea when it comes to banking, credit scoring etc? Thanks.
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Guaranteed Cheques...
Hi guys I phoned my bank around 6 weeks ago and asked them to cancel some cheques for me - which were guaranteed - I was assured this had been done - however was told it could not be confirmed in writing. Fast forward to last Thursday and I notice one of the cheques has left my account. I was told by somebody at the bank…
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HSBC - Student Account
Hey I was wanting some advice with regards to my student account. I have been at uni 5 years, and have a student account with HSBC, which entitles me to a intrest free overdraft whilst i am at uni of up to 2,000, and when i cease being a student this drops down by 500 every year. Now i rang up to extend my overdraft the…
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Advice needed on Joint Accounts
Hi My Mum and I have a joint Halifax account for savings. She doesn't have a Will and doesn't want to make one as these savings are all she has (no property etc) and she assumes that, when she dies, the money in the joint account will automatically come to me. I don't know that this is so, can someone advise? I have two…
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Business Account for Poor Credit
Hi, I need a basic business account for my recruitment consultancy company (no credit needed) and have seen recs for Natwest for this type of account. My question is as a Ltd company - what details will they require from me to open such an account? There are 2 people in the business (me and my GF) we both live at different…
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Alliance & Leciester / Santander UNFAIR bank charges!
Hello, I have a £100 worth of charges on my account :mad: I manage my money very well checking my balance every other day, I have a spreadsheet with all my outgoings on and how much is left to spend in my account. The problem that happens is when a card payment is made on my card it doesnt always show up on my account…
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Debit card pre-authorisation – help needed
Hi, I’m wondering if anyone can offer a bit of advice. I made a payment for a holiday on Saturday of just over £1000, the first transaction failed so she put through another. I tried to get some cash out Monday only to find no available funds. After some lengthy calls it turns out that one payment of £1076 has been debited…
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Co-Op Bank account for Premium Accounts
Hi guys, I was wondering if anyone got any advice on a decent bank that I can switch to. I am currently with Barclays and have had a lot of troubles with them in the past so I am looking to switch. I did apply for an account with Santander but was rejected an account despite me having no debts and paid Amex Platinum Credit…
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For the Journey (Yeah right!) (Lloyds TSB)
Hi all, I registered, simply to share in my woes, a tale of how Lloyds TSB single handedly ruined my credit rating. I started banking with lloyds 8 years ago when I left education and started working. Since then I have kept my account in good standing, never missed a payment, never gone over my overdraft, always paid in…
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Online purchase - no money taken nor authorisation done.
Hi Yesterday I ordered a new footie shirt from sportsdirect.com I paid online with my LloydsTSB debit card. The item has been dispatched and is out for delivery with DHL yet no money has been taken nor has an autorisation been done for the amount (£45.99) on my account. Has anyone else had this with sportsdirect.com? I am…
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Student Overdrafts
Hello, My bank (HSBC) said I can have an interest free overdraft but only if I complete my masters course full time. Does anyone know where I can get an interest free overdraft as a part time masters student? Many thanks, Chris
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Using Natwest Visa debit card abroad
I tried to withdraw cash from my Natwest account from a Deutsche Bank ATM while in Germany, using my (purple) Visa debit card. The card was rejected. Can this type of card be used for cash withdrawal abroad? If so, can anyone say which banks accept the card? The Natwest site doesn't provide this info. Many thanks for any…
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Deleting my Halifax a/c
Hello all, Advice required please - my situation is this, Over the course of the past few weeks i have been into my local Halifax branch to close my basic current a/c with them. The account has never been my main account, I mainly used it to transfer money into, in order to then pay off my Halifax credit card. Both the…
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Alliance & Leciester / Santander woes
Hey, I'm going to cut one hell of a long story short here, but essentially for the last 2-3 months i've found my self getting randomly "blocked" from doing online transactions. I ring up A&L/SAN customer support and they tell me there isn't a block on my card, they simply blame the merchant i'm trying to deal with…
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Lloyds TSB, Contact?
Hello Everyone, Does any one have an email address to contact them on. I opened a new account and registered for on-line banking and its asking me to call them to finish it off but I cant as I dont have anyway of calling out and my branch is over 8-miles away and I don't have a car. Any help will be greatly appreciated…
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Santander Current Accounts
I have 2 questions I was hoping you might be able to help me with: 1. I've just been reading the information Santander give regarding the interest rates for their current accounts. At the top if page 4 it says It then proceeds to list the rates for their current accounts. On the next page it lists the "Rates if you're a…
