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Wondering if anyone has had same problem as me with Santander / Alliance Leicester
I am wondering if any of you have had the same issue I have had with A+L / Santander. Just before A+L became Santander they were providing the financial advice to old existing premier customers that to get a better rate of interest they could downgrade their accounts to a nil-interest one for 3 months and then upgrade…
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Nat-West e-Saver; Locked from account?
Rightio, I need to shift some money over from a Nat-West e-Saver (the one that had 2.85% at one point..) to my current account at another bank so that I can make a debit-card transaction tomorrow. I log-on just now (the usual pattern of cust-no, 3 digits from PIN & 3 chars from Password), and it tells me that my details…
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Weird email from personal Lloyds/Halifax account
I tried transferring some money from my Guaranteed Saver account into by Current Account (I had enough in there to transfer) but it said it would take 48 hours. I then received this email, (in my junk folder) from <womans.name>@lloydsbanking.com (which is fine as both lloyds and hbos use this domain now) I know there are…
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Cashminder reporting to agency??
Hi, I have an Co-Op Cashminder account which was opened last month and i was wondering if co-op report these accounts to any of the cra's? I am on my free trials with Equifax and experian none of them have appeared yet. Thanks
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New Halifax account won't let me make payment
I recently opened a Halifax Reward current account, mostly because I wanted the extra 0.2% on their ISA (I'm going to transfer an old one over), but the £5 a month is an added bonus. I opened it online without paying into it, so when I went into the branch to show my ID they told me I'd only get sent the card and paperwork…
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Experian free trial
Hi all, 1st post, apologies if its in the wrong place, im just trying to find my feet, so mods please feel free to move ;) I have just signed up for the experian free trial and everything looked fine, clicked on credit score and it asked me to check address info and then click an "order now" button. It didnt tell me about…
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Is this legal? - TSB selling debt
Hi there, My mother recently received a letter from a debt collection agency. They claimed that the TSB had sold her debt amount to them and that they would accept £3 payments a week they also mentioned it was debt from the year 1999. Now, I knew that if a debt is owed for longer than 6 years and that the organisation had…
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Can I help my parents when I have a poor credit record?
My parents are both elderly but until recently managing their finances independently. Dad does most of it now, as mum is forgetful. On a day to day basis, not much needs to be done as regular bills are paid by direct debit and shopping by debit card. For the past few weeks Dad's not been well and is being treated by the…
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Really stupid question
Just got a new debit card - does this mean I have to make any changes to the DDs I already have set up? Can't remember what happened last time I got a new card. I was assuming it's automatic/no change as it's associated with my account rather than my card, but I've had a couple of calls from one of the companies I have a…
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Halifax Reward Current Account?
I have a Halifax Reward Current Account which pays me £5 every month for depositing £1000 a month. I normally keep a high balance in the account which is unnecessary as I'm probably missing out on interest. Can anyone recommend another account, preferably Halifax where I can transfer the money in order to accrue interest,…
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Ethical Banking
I would like to change my bank account from RBS to a bank that does not pay huge bonuses and actually works for the benefit of the customer. Does such a bank exsist???
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Best account to keep open when we move abroad
Hi, My husband and I are moving overseas and are wondering if anyone knows of a good current account we can apply for to keep open for our return visits and for receiving the odd bits of money from family etc. I've looked through the bank accounts page but as our situation isn't the norm I'm not sure which would be best.…
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Joint accounts with fiancee - she has a default in her credit history
Hi, Apologies if this topic has come up a lot before, but a search throws up a lot of conflicting information. Also, apologies if this is the wrong forum. In two months time I am getting married, and I will be moving in with my fiancee shortly before that. Our plan was to get joint accounts, mainly for reasons of…
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RBS Key Account Upgrade
I've just upgraded my Key account to a standard RBS Current account by phone. I was told that my sort code and account number would remain unchanged. Is this normal? I thought that it entailed a new account number.
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Can they take money without my permission?
I am experiencing problems paying my credit card. However, I have spoken to the credit card provider and have made arrangents to pay it back. I have logged onto my accounts this morning and have seen that they have taken money out of my account without my permission. The credit card and the bank are the same provider. I…
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Best Current Account For £400 Monthly Deposit
Hi, I currently have a Lloyds TSB Classic Plus current account. I have had this account since before I met my now wife. The account was my only current account & had my wages paid directly into it. Things have changed now & we have a Halifax joint account where both of our wages are paid into. From this I get £400 paid…
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Been charged for non D/D payment on credit card - Santander. Why's this happening?
I switched to Santander for the £100 fee (+£50 quidco). I switched 1 D/D which was my Tesco credit card D/D & one 'bogus' SO. My SO was paid from my Santander account no problem after the switch. I got a confirmation letter from tesco regarding my D/D being handled by Santander now instead of my old bank - Halifax. Payment…
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Halifax reward account
I am in the process of opening a Halifax reward account to get £5 every month as I have decided to ditch my RBS non interest paying current account. Previously it was an interest paying current account. My monthly income is less than £1000 but I do have a few £100s in an other RBS savings account that I can pay in and…
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Natwest First Reserve and BACS payments
Hi, I have opened a Natwest First Reserve account to enable me to have my Mystery Shopping money paid into so I can keep it separate from my main account. These compaines all pay by Bank Transfer and I have now read that the First Reserve account does not allow Salary, BACS or Faster Payments. Is this true as its not…
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Joint account PINs
Seems to be 3 scenarios 1) Each holder has a separate pin and can only use their own 2) Each holder has a separate pin but if they use the other persons pin with their card it will work 3) They have the same PIN for both cards My parents used to have the same one years ago - but nowadays seem to get sent different ones Can…
