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Budgeting for a house we've not yet bought...?!
I'm trying to figure out what we can afford if we buy a new house; I can work out the potential mortgage repayments but does anyone have any idea how to find out/guesstimate other costs such as energy, council tax, Insurance costs (house and contents)? Our current place is a VERY small flat so no comparison to what we'd…
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new halifax in-branch computer systems
Have just been into a Halifax branch in Nottingham, today was the first day of a new computer system:mad:. Queues a mile long!! It seems that you now have to complete a paying in or withdrawl slip for transactions but not to sign until you get to the counter I have passbook accounts (childrens regular savers which mature…
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New-style Halifax online banking (again)
Hello So I've posted twice saying I quite like it . . . Going off it a bit now. 1. You can't change Payee Recipient's details without deleting and reinstating (obviously open to error) 2. You can add accounts to view (to check balances of little used account say) - but you can't remove accounts from view without calling…
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Applying for another loan/current account help? 20
Not quite sure if this is worth doing, but i thought i'd get an opinion, i know a few !!!!!! will be around, but serious replies are appreicated. Basically i've got a full timish job, looking for a career/apprentice job. Earning around £520 a month at the moment. When i was 19 (March 2010) i opened a current account with…
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Business/Personal bank account?
Hi I've been running a small business (I'm a franchisee) as a sole trader for 3.5 years, and up to now have banked at NatWest with a business account. I have all my personal accounts there too. I'm a bit fed up of the charges accruing each month for paying in cheques, etc. As far as I see it, I've got 2 options (if I want…
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Does anyone have an HSBC basic account?
Would love some feedback on how long it took to open and if you got a debit card at all? I've trawled the basic bank accounts threads but can't find much on HSBC. Many thanks, pippitypip
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Changing bank accounts
I am currently with Santander - just had my statement that tells me that they will start charging me 50p a day for every day that I am overdrawn up to a max of £7.50. Some months that wont matter. I do have enough money coming in its just a matter of when it comes in and goes out so some days I am overdrawn as the DD has…
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Exporting statements in CSV or similar format.
Do Lloyds, Halifax or nation wide allow you to export statements in CSV or Similar format? I was thinking of using an Account Aggregator - but as that gives them all my spending/saving habits I don't think I'll bother. Also, apart from Excel, what windows applications would you recommend to import them into? Support for…
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Transferring Euros to pounds 60000E
Hi all, Hopefully someone has been in this position before or has good knowledge regarding this transaction. Basically, my partner and I are shortly looking at buying a house in England and will be using savings she has in Spain (where she is from) for the deposit. She has roughly 60,000 Euros, which is the cheapest and…
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Reducing Overdraft limit - how does this affect credit rating?
Morning all, As above really - Halifax upped my OD limit to £1900, on an account I've not used since October (it has £1 in it). I'm not intending to use this account in the near future (it was a joint account, that my ex and I used to pay all the household bills), but will keep it open just in case. If I reduce the…
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My Santander CHAPS complaint
I have just sent this to Santander. On Friday 11th February, I needed to make a CHAPS transfer before 10am. I arrived at Santander Muswell Hill to be told that I would need to make an appointment. The next appointment time available to make this same day transfer was the following week. To not have any staff that can carry…
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Direct Debits and standing orders that fall on a weekend?
I have a Standing order that is due for payment on Sat and a Direct debit that is due for payment on Sunday so will they get taken out on that day or will it be on the Monday? I bank with Halifax.
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debit cards that can be used at post office
I have a nat west basic step account. I asked at the post office if I can use it to get cash out and was told no,so end up paying £1.95 each time to get cash out from the machine in the shop next door. I have now looked on the post office web site and there is a huge lists of bank accounts that can be used to get cash free…
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Overdraft
Like all students I got sucked in by the large amount of interest free overdraft my bank (Natwest) were willing to give me. Recently ive started to panic and im trying to pay it off before the interest kicks in. BUT ive been told its good for the credit rating to have a small overdraft that is managed??? i need all the…
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First Direct Referral
Hey, If anyone's interested I still have 2 referral cards for First Direct left... The joining bonus for the current account is £100 plus there is a £50 referral offer, of which I will split equally £25/£25 so £125 in total.. (plus access to a 8% regular saver amongst other things).. PM me if anyone's interested!.. Thanks,…
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LloydsTSB question
Hi All, I have a LloydsTSB current account, and have a standing order due to go out tomorrow to pay a bill which isn't due until the end of the month, so I decided to go online and change the payment date. The payment has already been taken from my account but dated the 14th! Which leaves things a bit tight this week.…
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Money juggling between accounts
There seem to be a few tempting deals about at the moment with current accounts (Santander £100 and Halifax £50 plus £5 a month). My existing setup is two current accounts - the first one my salary goes into and then money for bills is transferred by standing order into my second current account, leaving me with spending…
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Halifax £5 Reward Current Account
Hi Folks, Having been lurking in the shadows on MSE for quite some time I've decided to join the useful bank of information here. I've been reading up on the above account with great interest so I have opened myself one as of yesterday. In the process I have decided to open up a savings account with Halifax as I'm…
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Joint Bank account with Friend
Hi, A friend and i are in the process of buying an investment property, We need to open a joint bank account for the rental income to be paid into and expenses to go out. Between us we have accounts with Lloyds, Abbey, Alliance, Hfax, Nationwide, First Direct, Post Office. Are there fee free bank accounts i can open…
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Current Account / Savings Account Combo
I amplanning on switching from Santander to Lloyds, and will be opening both a Classic Plus and an eSaver account (if they will let me ;) ). I was just wondering if anyone else had opinions as what constitutes a good Current Account / Instant Access Savings Account Combination (that has no delay in transferring funds from…
