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Too secretive?
I am constantly reminding my wife and children to never discuss their finances with friends/work colleagues etc, that goes for what they know of the household finances too. Through very hard work and a lot of sacrifices we are in a very favourable position, however I would have the same stance irrespective of our…
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Quotation Search for Bank Account
Hi, I'm considering applying for a Current Account with Barclay's, my credit rating is fair. I know you can ask lenders to do a quotation search when applying for a loan to see if you are likely to be accepted without leaving a negative "footprint" on your credit file, and I was wondering if you can do this for opening a…
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Changing Bank Account and Credit History
Hi, Looking for a bit of guidance. Keen to open 8% reg saver with first direct. Seen that i would need to open a current account with them. Im currently with HSBC and have been for 15 years + Currently got my property on the market and aware that this is a long time to have a bank account in terms of demonstrating reliable…
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Insurance Blacklisted for cover I never asked for, never took up, & never wanted??
Can Anyone Please Help???? I attended what I took to be an informal interview with the Halifax in October, at a review of our bank accounts & from which I got a "Protection Analysis report" via Scottish Widows. I fully & truthfully answered innocent answers to questions put to me at an informal branch interview when faced…
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Strange "advised" payments to HSBC IB accounts
I've got an hsbc bank account and their isa account - and I noticed on internet banking that I got 2 payments to the accounts yesterday labelled as "ADVISED" - one for £23.97 and the other for £26.03 - i.e. £50 in total - but I have no idea what they are. I've sent a message to the online banking link but not had a…
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Should I close my current account?
Hi all, I know there are a lot of posts on here already about it, but still they seem to be split down the middle, so I just wanted a definitive answer, if possible! :) I have a house shared account, three credit cards, a loan, and then also a personal current account which has a few pence in it and I haven't used for…
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Barclays Customer Service
Hi, I've been thinking about getting a back-up current account, hopefully with Barclays. Can anyone comment on their customer service and general performance as a bank? I'm usually in overdraft and most comparison sites recommend Santander but I'm put off by their customer service feedback. How good/bad is Barclays? Im…
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Bank questioning my chargeback?
Hi all, Quick back-story: I bought some shoddy software from an Indian company online a few months back and it was pretty awful, didn't work, extremely patchy, no support, no refund policies and they actually denied my repeated demands for a refund and were very rude. I paid for the item online with Halifax Mastercard…
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Excellent credit but turned down for account upgrade
I have been turned down for an upgrade from a basic account to a normal account for the second time by lloyds tsb, i have checked my experian report and im rated as excellent..does anyone know what a risk code 99 means thats what came up on the screen at the bank..advice sought?many thanks.
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Halifax or First Direct?
I'm currently with the Halifax having switched from Barclays, however, I've had a couple of issues with them 1) they blocked a small payment I was trying to send to a family member and locked my account for 24 hrs. Not too impressed 2) they only let me transfer £15k at one time between my own internal accounts, which is a…
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Forget the incentive
As we all know there are some banks which offer switching incentives. I get the distinct impression that there are many people who factor this into their decision of which bank they should choose to go with. We all want something for nothing so of course it is nice if £100 lands on your lap. In my opinion if you are…
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Santander grrr!
Yesterday I received a new debit card in the post. Card wasn't list or stolen and still had 17 months left on the card. Acc no is slightly different. Online had the new account no. Destroyed the old card. Tried to use it and said incorrect pin. Phoned them up and said card was cancelled before I received it. Went to the…
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Anyone use personal finance software?
I only recently discovered that such a thing exists! I'm wondering what kind of functionality this type of software offers, how easy it is to use, can you download info straight from online accounts, etc. Which? reckons BankTree is the best - does anyone have any personal experience of it? Or any recommendations of…
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Received debit card that was cancelled
Today, I received my new debit card from Santander. Was originally a&l. Tried it this afternoon at a supermarket and it failed. Card wasn't lost or stolen. Phoned them up and told my card was cancelled before I received it! !!!!!!? So have to visit my branch tomorrow before work so they can order a new card. Has anyone had…
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Card One Banking
Has anyone any experience of this bank or any other comments? I'm investigating basic bank accounts for my son who has a very poor credit record. Thanks in advance. Rick
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For what do you pay more if you are single
As many of you probably have noticed people in a modern society are being penalised not only for being poor but also for being single which is often not because of making that choice but due to life circumstanses eg. being unlucky at finding your other half. I would like people to post here their stories and life…
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Full current account with no minimum monthly deposit
We have our main account with First Direct (after moving from the dreadful Santander), but as part of our 'getting our finances sorted' plan, I want to have one account purely for bill payments and the other for spending money. So I'm looking for a current account with a debit card, the ability to set up direct debits &…
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Natwest Adapt Account Charge
Hi there I recently went into overdraft on my NatWest Adapt Account of about 30p . I've rectified this problem but want to know how much they will charge me for this overdraft. I looked at the fees and charges but it states nothing about an adapt account. So can you help me out. Thanks, Maningrey
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Direct Debit Indemnity Guarantee
I am in the process of re-mortgaging, the last and final payment to my previous lender was on Tuesday, my solicitor has received a redemption statement which does not take into account this payment. Upon querying this, the lender has said that due to the Direct Debit Indemnity Guarantee i could ask for this money back…
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Banks 6yr a/c history help required.
Wasn't sure where to post this, so my apologies to the mod if it's in the wrong place. I wrote to the bank requesting a copy of the cheques deposited over the past 6yrs. They sent me details of 2 out of 25! stating that they didn't have the rest (i am looking for the letter so i can quote them exactly). What i wanted to…
