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Switching?
Hi, I'm currently thinking of switching bank accounts. I'm currently with the Halifax and have an Ultimate Reward account and pay £7.50 a month for the benefits (after the £5 reward) and been with them for over 8 years with no troubles. However i'm thinking of switching to the Co-Op or smile for their Privilege accounts…
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Egg Card - Minimum Finance Charge?
Hi I have an Egg card that was originally on a 0% offer. The full balance was not paid by the time the offer ran out (maybe 1 or 2 months of interest). I then had an offer on my Virgin MBNA card for 0% so transferred most of the balance up to their limit. So was left with a balance of £54 on the Egg card which was paid by…
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Starting from scratch: Banking for someone relocating to the UK
Hello everyone, I've just relocated to the UK from the US, and need to set up my bank account(s). I used to play a lot of the games I see on the forums here (interest chasing, bonus collecting, etc.), but I imagine there are several differences as well (I'd never heard of an "overdraft," and it seems as if, unlike in the…
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What account to have as back up?
Hi, I bank with Barclays at the moment and have a current account and a cash card account with them. I don't have any other accounts elsewhere at all. What basic account could you recommend as back up? Im Ideally looking for a basic bank account with no overdraft but a visa debit card without the credit checks e.t.c. I…
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Nationwide turning away new customers
I have just been to my local Nationwide Bank to open a Flex Account (current account). I am going overseas soon and want to use their debit card in ATMs overseas as their rates are still quite good even after the charges go up on 1st November. I was honest and told the lady behind the counter that this account wouldnt be…
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Knowledge Urgently Needed
Hello, I need some knowledge if anyone can help. I currently bank with Lloyds TSB and my father did over 5 years ago, Now the problem is Lloyds send out private letters that reflect banking details and financial details to my father not to me, we share the same name barring our middle initials and I've not lived at home…
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Personal Finance software
Hi all, I'm looking for some decent personal finance software that works on a Mac (or is browser-based). I don't want to do anything too complicated; budgeting, cashflow, and auto-sync with online banking, credit cards, and investment (eg H-L) accounts etc. I've done some searching and it seems that a lot of people are…
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Under 18s and PayPal
We have a 16 year old who has just opened a bank account and is still studying. We have seen his bank statement and it gives a deduction stating Paypal. Our 16 year old says that people under 18 years old open Paypal accounts online all of the time and lie about their age! What are the consequences, if any, of a minor…
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Household running costs
I am hoping to buy my first house within the next year or so, depending on the housing market. I want to make sure that I have an accurate idea of all the bills involved so I can create a workable budget. I am looking to buy a two bedroom semi-detatched house which is about 20 years old. The house will have double glazing…
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Santandare Takeover of RBS and NatWest....
Hi all Not a happy chappy today! Santandare have completed their takeover of RBS and Natwest, I have happily banked with RBS for a long time but no more :( my accounts are being moved over to a Spanish bank on their terms which will put 1.8 Million UK bankers out of pocket, This transfer will happen in the next 12 - 18…
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interest taken out of flexaccount
hi all, Ive just checked my bank account (flexaccount,nationwide) and ive just seen that they have taken out the following: £90 interest £20 interest £0.80 interest I have no idea why they have taken out interest, i dont have a lot go in or out of the account, BUT i have had a few unpaid direct debits incurring charges…
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Unknown Insurance Refund on Bank Statement??
Hi, I don't know if this is a scam or not... I've logged onto my online banking this morning and a £480 item is showing going into the account with the reference 'Insurance Refund'. I'm not expecting any insurance refunds, especially of this amount! Is this some sort of scam?? Anybodies advice would be gratefully received.…
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Young person bank account
My daughter is 17 years old & has just started an accountancy apprenticeship. She goes to college one day a week so therefore cannot be classed as a student. She earns £10k per annum. She has recently passed her driving test & owns her own car so would be interested in breakdown cover. What would be the best bank account…
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Stopped Cheque Confusion
A customer has recently complained about some work that I did - a small error that I held my hand up to and was happy to fix. The customer paid me the remaining amount owed by cheque and we arranged a time for me to fix the error. When I came to do so, the customer held me up, and in fact this happened on two separate…
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Quicken
I think this is the best place to ask! Basically I have Quicken 2000 on my PC. I'm currently using it to keep track of all my accounts; graduate, credit card, loan, savings, paypal and piggy bank etc. I do categorize expenditure however I've only inputted all this since the 1st October. Essentially I currently have no…
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Transferring Travellers Cheques - right way to do it?
Hi there, I have some Euro Travellers Cheques (countersigned) that I want to gift to my younger cousin who will be travelling in a months time. I wonder is there any way for me to 'transfer' the TCs to them such that she can use it while she's abroad? If not, I wonder will it be a good idea to report them as 'lost', then…
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Offshore Account HM Revenue
Hi, If i open an offshore account would the HM revenue need to be notified?
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child trust fund.
we had our baby in may got given the trust fund vouvher. some banks arent taking them and say it no longer applies, but im sure they said all those who have received it they will honour it. i know that after a few years you get another payment etc can someone advise please
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should unused accounts be closed?
I keep reading on here about posters having problems closing bank accounts. Why do they want to close them? I have quite a few bank accounts from when I used to follow interest rate increases and freebies and when finished with them I withdraw most of the money and leave a balance of 1p. At the last count OH and I had 5…
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Lloyds tsb classis and Vantage - oh, lucky you...?
I know there are threads regarding Lloyds tsb classic and vantage accounts, but cannot find them for now; apologies - please be patient, I'm a newbie. I went into my local branch to transfer my account from A&L/ Santander (for reasons so many others have written about) to the Lloyds vantage system, having seen so many of…
