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Trying to budget for 6 weeks?!
I've just started being paid - I get 5 paydays and got paid one early just for added fun! So I need to be able to do all our weekly shopping and cat food/toiletries on my money til 12/02!! I get paid again end of jan as my OH has been off sick so won't get much £ :( I refuse to use my Christmas present money for bills -…
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How long does a bank transfer take?
I'm waiting on a payout from my home contents insurance. I was broken into 2 weeks ago, took everything of value plus all the xmas presents I'd bought for everyone. On the up side, he was arrested and admitted to 25 :eek: burglaries including mine! Unfortunately my stuff was long gone. Anyway, they transfered just short of…
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DD's and Christmas??
OH & I were just discussing our finances etc, and we was wondering what would happen if a DD was due on the 25 Dec this yr?? Normally as it's a Saturday we'd expect it to leave the a/c after the wk/end, but seeing as the 27th & 28th Mon & Tues are classed as 'holidays' does this mean it won't leave until the 29th dec???…
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Santander has completely blocked my account.
Hi, sorry if i have post this in the wrong place. Over a week ago i tried to use my santander debit card at my local cash point, it was refused.I contacted Santander and was told my account was now blocked.I have rang them over 30 times, i have been to my branch 3 times and it's still blocked.I have just got off the phone…
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Standing Orders changed & not by us!
I need some help with how best to make a complaint to our bank re errors they have made. The Story... 1) I tried to change a Standing Order online from our joint account to increase it (due to a missed pymt which is my fault but a whole different story) and wasnt able to .. this was Thurs 9th Dec & it is due out on the…
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New to Budgeting.
I have never really had a budget before which is terrible at my age! One of my New Year's Resolutions for next year is to have a proper budget and to stick to it. I am trying to get a bit of a head start! Ideally, how much of my wage should I be looking to save? I don't have a house as I live with my parents but I pay…
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Bank Made Mistake What can I do
Hi all, I recently just received my credit card statement and was shocked to see that there was a late payment fee added to my account and also that my balance hadn't been paid from the last month! When I looked further into the matter I found that when I called my bank up to make a direct one off payment from my account…
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Switching to Halifax Reward Current Account:
Hi, I have two questions about Switching to Halifax Reward Current Account: 1) what is a current average payment for switching to Halifax Reward Current Account -is it £50 or £100? 2) how long (if any) this account needs to be held in order to be able to switch again or close this account? Thanks for your help. THE NOX
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FOS Awarded me a WIN against Santander, but compensation is low...
Hi all, I've not had access to my Alliance & Leicester (now Santander) account on line since June......And I have spent A LOT of time phoning them writing letters etc. to no avail. Santander insisted everything was OK with my account, but it wasn't. After I finally got Santanders "final response" I took the matter to the…
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Bank Accounts VS Credit File
If this is in the wrong place then please move :) I'm looking at possibly opening a few savings accounts next year. A lot of the savings account I've looked at say you must have an account with that company Will opening lots of bank accounts be bad for my credit file? I wont be using those bank accounts for anything other…
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Escape card travel
I have an Escape card uk, I tried to get an escape travel card as Im going to europe, but have been told that as I already have an Escape card I cannot have another, they will not cancel the ordinary one and issue a travel one.:mad: So beware, you may be better getting a travel escape card from the start, also I dont think…
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A&L Underfunding & OD Charges
Hello, I would appreciate some help and guidance with an issue I have with A&L. I opened a premier direct account in 2006 and been regularly funding since early 2009 when I opened a new account with Abbey National. My stupidity, I forgot that I am liable to pay the under funding charge for A&L account and left the account…
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Co-Op Cashminder - 3 Strike Policy
Hi folks, Was just wondering if anyone knows the answer to this, with Co-Op's 3 strike and you are out policy does this reset every year or is it simply from account opening? Also, if for example someone uses your card details fraudulently and it takes you overdrawn and it was proved to be fraud - would they give you…
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Am I losing £40 a month in interest?
Hi I have a Halifax Rewards Current Account which pays £5 a month, I am trying to figure out what £5 is as a % of the £1000 I pay in. I make it 0.05% interest I'm earning? Is that right, my math isnt great... I was thinking about opening a Lloyds TSB Vantage account, so I'd get 4% on my £1,000 which is I make is £40 per…
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changing bank accounts
Hi I have just got a new job working for a bank (HSBC). One of the requirements is I have to open a bank account with this bank, this will mean moving from my current bank account (Natwest Current Plus) which which i have had for around 15 years, obviously the type of account has changed over the 15 years but has been with…
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Sending Money Abroad
Hello, Not sure if this is the right place to post but would like to let people know that I have found a way to send money to the USA for a small fee, unlike the £25 my bank wanted to charge. I have used GlobalWebPay which is not charging anything at all in December! :TThe fee I think was £4:25 normally. It seems to be…
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Best easy access joint account
My girlfriend and I are trying to find an online account to save for a holiday this summer and a wedding in 2012. We live an hour from each other and so an on-line account seems best. Does anyone have any ideas about which would be best to run between the two of us. We aren't too interested in interest rates, ease of…
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How long you have to stay with Santander after receiving £100 to switch?...
Hi, In summer I switched to Santander because of the £100 offer they had on. I happily received my £100 after 3 months like they stated. My old bank has now offered me a ''local branch only offer'' offering me another £100 to switch back. I was just wondering if anyone knew if there was anything keeping my tied to…
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No income, can't access money in bonds
Been asked advice:- Friend has £40.000 in bonds which mature next summer but was unaware that T&C's changed so no longer accessible until maturity. (Was expecting a penalty/loss of interest). Has no income apart interest on bonds (just enough to cover council tax) and failure to budget adequately means that current account…
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Hi there, I really need help :(
Hi there, I've recently lost my job and it's happened at the worst time (whilst i'm into overdrafts on both bank accounts) I have the following Halifax Ultimate Reward Current Account with an overdraft of £1000 and i'm £980 into it. It's costing me £12.50 a month to have the account and £1.00 per day for being into the…
