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Massive approved overdraft - Halifax
I read on another forum where somebody mentioned that if you bank with Halifax, login online to your online banking current account, navigate to the 'apply/increase overdraft section' and enter £9999, it will return an error stating that this exceeds your guaranteed approved overdraft limit of xxxx. Just out of curioisity,…
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New Business Bank Account - Barclays or Santander?
Hi all, Can anyone offer advice regarding a business bank account? I am a freelance we developer and have been working for 2 years. I don't have a business account and pay any payments straight into my current account - while its not against the law it is frowned upon by the inland revenue as it makes it difficult to see…
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Co-op deal for free - but student/graduate account?
Hi there, I currently have a Lloyds account on a priviledge deal - I think it's something like £17 per month. I have an overdraft on it that I'm using but I'll be in a position to close it soon so I was hoping to go with the co-op deal, however it looks like you need to pay a salary into it. I've had a quick look on…
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ANOTHER Santander tale of woe
I should have listened to all the warnings, but was tempted by good rates of interest. Opened 2 current accounts (one in my name, one joint), an e-saver, and a 1-yr term account. There was some confusion over opening the accounts, but I got them all up and working OK and didn't think Santander were too bad... Then my debit…
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Basic Bank Account Which Does DDs & Also Does Debit Card Transactions Free?
I've tried to search for an answer to this but haven't came up with anything..sorry if it's been asked before. My sister wants to open a Basic Bank account which allows Direct Debits and has a Debit card. I have a Halifax Easycash Basic account, though whenever I do a Visa Electron transaction I get charged £1.50 each time…
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which bank do you use?
hey guys i was just wondering what bank or banks you used and if you thought they were any good?
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All banking to go online?
Hi everyone, I seem to recall around a month or so ago that there was a news story about all banking to be going online by a certain year, possibly within the decade. Can anyone remember what this year is? I only ask as it is part of some research that I am conducting and can't seem to find it anywhere! If anyone can point…
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A Warning - Stay clear of Santander
I have had nothing but problems with Santander. I opened up a basic account when I returned to the UK after living abroad. After 2 months I requested a debit card and was told that I would have to upgrade my account which I did. I was told my card would take two weeks. Four weeks later my card had still not arrived so I…
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Santander!!!
Since 1991 I have held a Passbook account with the A&L, for a small charity group As recently as three weeks ago, all was well, but today I went into the back, to withdraw some money to pay bills, only to be told that BOTH signatories need to attend the bank in question, every time! Apparently Santander changed the rules,…
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Joint bank account
My son had a joint bank account over 3 years ago with a old flatmate. They went there seperate ways after a couple of months,since then my sons old flatmate has been buying things on the account and not paying for them. i managed to get a message to him on facebook as we had and still have no idea where this guy lives and…
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RBS Vs Bank Of Scotland
Currently with RBS but not been that impressed, was thinking on moving to Santander but with all the bad custumer service im now thinking on bank of Scotland, so really looking for some feed bank on BOS good or bad, thanks
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Cheque Clearance to minimise loss of interest
I have several £100K maturing in bonds with Halifax on Sat 20 Nov. I intend to transfer the total to Natwest e-saver which is already set up. To minimise loss of interest when should I pay in the Halifax cheque to my Natwest current account for transfer across to the e-saver? I was thinking Wed or Thurs this week so 17 or…
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why banks forse clients to use overdraft...?
I was trying to set my current account without overdraft option so if I have no founds in my account - the card transaction will be rejected by bank and in this way I won't go overdraft neither I will be charge £25-£30 fee by bank. Unfortunately this is not possible: 'the bank system is set this way'... I was told by…
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Halifax Faster Payments Saga
Some people will recall that Faster Payments out of Halifax sometimes work (you get the 'this will arrive in two hours' prompt) and sometimes don't (the 'unfortunately on this occasion...' blurb) The 'official' FP single payment limit at Halifax is £2500 You may also be aware that having a second (or third) current account…
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Alliance and Leicester won't let me reduce overdraft!!!
Hi All I have just tried to reduce my overdraft facility with alliance and leicester (now part of santander) only to be told no!! I'm baffled, I can either have a £950 overdraft (which is what it is at present) or non at all - nothing inbetween!! All I want is £100 just as a buffer! Is this standard practice with all…
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Transferring money abroad
I'm currently living in France and am here from a year. I have a nationwide account which has just started charging for everything overseas. I also now have a french bnp paribas account. I need to start transferring money across but am not sure of the best way to do this. I have been told nationwide will charge an arm and…
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Something strange going on
I've just recieved a letter from Santander saying I owe them £156 so I log on to internet banking to find £138 of charges from being over-drawn. The thing that made me over drawn is 2 direct debits to paypal, one is around £10 and the other £8 both on the same day in august 2010. I know I probably should have checked my…
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Childs first current account - parents in IVA - ideas?
I'm about to open my 12 year old her first bank account which has a cash machine/debit card - we're in our last year of an IVA so we're very nearly out of the woods and its been a very valuable lesson. I'm keen to teach her as much about managing her money as I can so she doesn't fall into the traps we did and end up in an…
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Halifax Ultimate Rewards for Joint Account
Does anyone know if the Halifax Ultimate Reward current account gives both joint names the same benefits? IE, specifically regarding the car breakdown insurance, and the mobile phone insurance, or does it just apply to one nominee?
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Bank of Scotland Ultimate Reward
Hi everyone. I pay £12 a month just for the privelege of having this account. Furthermore, as my overdraft is currently at £1000 - right at the limit - I get charged £1 per day, meaning that at the end of the month I pay at least £31 pounds, and that's before any charges are made for unauthorised fees. Does anyone know how…
