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Uh-oh, Bank Account Confusion
Hello! I popped into HSBC today as I wanted to talk through overdraft options. But my account was a "graduate one" when I'm not a graduate yet. I also never made my normal account into a student one. The very nice lady said that it wasn't possible to revert my graduate account into a student one, but instead could just…
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How to do a Visa Debit Chargeback?
I recently purchased some car parts from a breaker through ebay and paid £190 on my Visa Debit via Paypal for a bonnet and bumper. They have arrived and are quite clearly not from the car shown in the picture and the body shop has advised me that the car has been in a front end collision and the bonnet has rippled as a…
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Possible to Change Name of Current Account
Hello I have a current account with Nationwide that I haven't used for years, but am thinking of using it for my self employment work (to keep it separate from my main personal account with another bank). It currently uses my 'name' on card etc but does anyone know if I could change it to the name of my business, so I can…
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Best business bank account - have bad credit rating!
Due to repeated redundancies we have debt and struggled with repayments recently so our credit rating is bad. I work on a self-employed basis and need to open a business bank account. Could anyone advise me of a good business bank account that I can open even with a bad credit rating, preferably free?! We have current…
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Bank Account for irregular payments made in.
Morning I am not sure how to word this so apologies if I sound like an idiot........ I currently have a joint back account with my husband with HSBC, I wish to apply for a single account in my name with a different bank, however I will NOT be paying in my wages to this account and will be moving money from our joint…
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Moving salary between current accounts
Hi All, I have been an avid reader of threads on this site and the advice they have provided me has proved invaluable whilst sorting out my financial situation - so before I begin, a massive thank you to all for that! Apologies if this has already been addressed somewhere, I can't seem to find anything quite like it (but…
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Co-Op and Trainline
This is a bit frustrating and wondered if anyone knew if it was a common problem or if I have just been unlucky. I bank with Co-Op and one of the few negatives is that on their internet banking the available balance doesn't show earmarkings and I have to check that at the cashpoint. 99% of the time thats fine, I keep well…
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HSBC Computers Down?
Is anyone else having trouble trying to access HSBC's website(s) this morning. I am unable to get on-line banking to come up at all.:( EDIT: It's ok, system has now appeared with the new style log-in page. They must have been changing it over when I tried earlier. FURTHER EDIT: Actually it's not alright. When I go to the…
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Credit rating
Im going to apply for a first direct current accountand credit card, my mortgage is due in November (8 months). Will the credit search for the accounts have an affect on my remortgaging? If their rates are still as good i'm hoping to do this with first direct anyhow. Thanks
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Employed paying in cheques?!
Hi, I was just wondering. I work for highways company and I am full time employed person. I wanted to pay in a £900 cheque into my bank account. Will I have to deduct a TAX from it? Will it affect me in any way? Will Inland Revenue ask me any questions about it, like: Where do I have it from? or Will they tax me? Just…
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Inheritance Money - Best account for this?
Hello all, Have been a reader on the forum for some time, has helped me numerous times :) I was hoping someone could help me with a question. Forgive the naivete but I'd just like to get some opinions on this. I've recently inherited around £35k. I'm going to be clearing off some debts with some of this and making a few…
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Halifax student account denied with 999 credit score?
Hi guys, In my second year of uni, and I've applied for a student account with Halifax. They ran a credit check, and sent me a letter with the results. Letter stated that they were unable to offer me an account due to a "total credit score below the accepted amount". However, I then got an experian credit check, showing my…
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Joint bank accounts or stick with individual ones?
If everything goes well on the house front I should be moving in with the gf into our first house within the next couple of months. One thing we need to sort out when we move in is how to setup our bank accounts. Currently we have the following accounts: Me: 1 x NatWest Credit Card account 1 x Natwest current account (main…
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Is £40k outlay a year excessive?
Well I decided to use Lloyds new "Money Manager" which sums up all your money and what you've spent it on, its a good bit of kit. Anyway one thing that shocked me was my outgoings for 2010, I never thought it would be so high... I've double checked the figures and everything seems accurate. Anyhow, I have no mortgage and…
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Business overdraft repayment
In a nutshell. Ceased trading Oct 2010 self employed parcel delivery. Luckily OH managed to obtain another delivery job as an employed driver. The business overdraft is now £11000. I work full time but my salary £1282 monthly is totally used to pay all the mortgage, utilities, life ins, council tax, mortgage ins/life…
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Natwest/RBS accounts sold to Santander....
Just had a telephone call today saying my business account is one on the list to be Sold. I opened it years ago via telephone banking rather than in branch and even though responsibility for its upkeep has been transferred to my local branch (with an excellent business manager I may say) my sort code is an older one and on…
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student banking 2011/12
Have searched the site and forums but cannot find any info on student bank accounts for the coming year. Have found the thread for last year but its obviously outdated now. My daughter is going to university in Sept and we are trying to set her up an account to use through university but have no experience on this subject…
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MSE News: Bank of England promises more £5 notes in ATMs
This is the discussion thread for the following MSE News Story: "The Bank expects there to be £4 billion fivers in circulation next year, compared to £2 billion last year ..." Read the full story: Bank of England promises more £5 notes in ATMs
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First Direct Switching.
Hi Im considering switching my current account to First Direct, my mortgage is due for renewel in November and I like the look of their rates, I also like the rates on their savings accounts etc. Is the switching process easy? Will the credit search for the new account have an affect on me renewing my mortgage in November…
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Satanander Current Account - Any good
Hi there, Just wondered if anyone had switched to the new Satanander current account that pays you £100 for switching and offers 0% interest on overdrafts? I am about to take the plunge I do deposit around £1100 per month Just wanted to know if theres a catch or hidden costs with this account? Thanks...
