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Thinkbanking stay clear!!!
THESE GUYS ARE A COWBOY OUTFIT. I’m short on time so will be quick even though I could write a book on these guys. I have been with TB since January 2009, I pay £15 a month for very basic service and zero customer service. But it worked for me. They give you 2 accounts one for your incomes (called the salaries account)…
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Nationwide Flex Account
I have just applied for a nationwide flex account online, and got to the offer part, clicked that I wished to proceed, and it came up with an error, so did it again... Will that hit my credit score twice? Or do you think they'll skip the scoring due to me having a mortgage and savings account with them? They didnt take any…
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Bank £7500 Mistake - have i reproach?
Hi A company I do work in the Republic of Ireland made a £7500 (in euro) transfer to me using a large Irish bank. The bank filled in the transfer incorrectly, and acknowledge, this - on paper, and the money has gone from my clients account and into the ether. I'm now waiting over a week for the transfer to make it into my…
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Credit score - is it worth £5.95?
So I could get my credit score from Equifax for £5.98, but is it worth it? I thought banks used their own criteria anyway... Looking to start mortgage applications soon.
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A&L / Santander upping overdraft rates
I just got an email from Santander. Seems to me that they are putting their overdraft rates up. Our account used to be a monthly cap of £5, but as from next month it will be £10 per month. Grrr.. I can't post the link directly, but go here Personal > Current Accounts > Frequently asked questions > Legal details Important…
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How to Solve a Santander Problem
Hi Everyone I have recently experienced Santander's poor customer service everyday for 4 weeks! My account was totally blocked after being victim of an online fraud scam and was being passed from pillar to post, getting absolutely nowhere. If you have an issue with Santander and would like it to be sorted quickly, email…
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done something stupid - will it affect my credit rating?
I had an account with an agreed overdraft limit and was within that limit with Barclays. I haven't been paying money into it regularly (but making a few lump payments every now and again) as I moved my wages to a joint account with my husband with a different bank about 6 years. I had direct debits coming out and lazily…
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I've been a victim of online debit card fraud and would like some advice please
Hello. Two days ago, I received this email from Amazon.com which stated that someone had opened an account on Amazon and tried to make a fraudulent purchase using my debit card. In a worrying coincidence, this occurred one day after I myself had legitimately bought something from Amazon.co.uk using the same card (which I…
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Help with small print for Santander £100 + £50 switching?
Got an email through Quidco now saying they'll give £50 on top of Santander's £100 for switching to their current account. £150 becomes appealing. I don't want to switch all my D/Ds from my Halifax as i'd then have to switch them back again, which is a bit of hassle. I do have a Nationwide account i no longer use though.…
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How much compensation am I entitled to?
As per the title really. I decided to run this as a new thread as the other was a little worn. Hence why I have only linked to the updated, first post. Read this -> Santander - Major C***-up - Poor service. How much compensation do you think we (Myself, My Wife and My Brother) will be offered and how much do you think…
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Help with changing to nationwide
Hi there, Im currently an account holder with RBS, and have been all my life. I have a current account with them which includes a free £500 overdraft, an ISA with 0.5% interest and a regular savers account. im looking to change to Nationwide, and incorporate all 3 accounts with them, they're offering 2.9% interest on the…
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bank tried to take out 5 credit cards in my name!! help!
well as the title says really... a few weeks ago we went to get assesed for a mortage and were told we didnt have a strong enough credit score as we had never had credit before. so last week we went back to the same bank (i have banked with them for years) and i had been preselected for a credit card years agos but always…
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Cancelling a fee paying account with Natwest
What an inconvenience it is to cancel a fee paying account with Natwest. I know with Barclays, Lloyds etc you can get them closed over the phone. I phoned Natwest and they tell you to visit a branch to cancel a fee paying account, then I go to the branch and they say they will have to book an appointment for later in the…
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Disappointed with First Direct
I have banked with First Direct since not long after they set up shop, and like most of their customers I regularly sing their praises A year and a week ago, I set up a Regular Saver account, and the deal was that, on maturity, the account would be closed, and the proceeds transferred into an alternative FD account The…
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Barclays bank - fraud accounts
I paid money into a Barclays bank account back in 2008 for a car that I never received. I have since discovered; after speaking to an Adjudicator for the Financial Ombudsman, that the account I paid my money into was a fraud account which Barclays froze soon after my payment was made. Following further investigation I have…
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What is Cbl Hips Payment on my bank account?
Hi there, I was hoping someone could shed some light. I got a letter from my bank (about an account which doesn't have money in it) and apparently a payment of £837.90 to Cbl Hips Payment got bounced. I've never heard of this company before, have not spent anything like that kind of amount and I don't even use this account…
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banks' rights to offset - do they apply to pre-paid cards?
Hi all, I just hoped some mighty expert might pop along and advise for the following scenario. I have debts with RBS (Mint) that I am paying back but on a plan. If I use the Cash Builder prepaid card - it states that all funds held on the card are actually held in trust with RBS. Could RBS use those funds to offset against…
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Problem switching from Santander
Anyone else having this problem? So far I'm 2 months into moving from Santander and everything seems to be in place but has ground to a halt. They have not transferring the balance and are not communicating with me or the switching team from my new bank. It's complicated slightly as my 'telephone pin' now no longer seems…
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Cater Allen
hi all, wondering if anyone uses cater allen bank and what would you recomend it for thesterling and us dollar account. As it is a private bank for what i understand does it still report to credit refernce agencies? with regards to charges is it worth it or would citi bank be a better option for a us dollar account. thanks
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Nat west current account plus
As I am getting well p***ed off with RBS, I've applied for a Nat West account. Applied for it online and got the welcome pack yesterday. Phoned and asked them if I needed to send any supporting documentation, she said no, just sign and return it. Now I know the dreaded AVU will definitely be looking at this so am not…
