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Sorry thick question re europe
My brain is a little fuzzy this morning so please forgive the question thats probably been asked a hundred times! We are off to Italy soon, and trying to figure out my best way of getting money-am I right in thinking the nationwide flex now charges even in eurozone, or have I got that mixed up? I have a first direct…
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Cheques and Prepaid accounts
Hi My son recently received a refund from HMRC by cheque. As he got himself into debt whilst at Uni, he had his bank account closed by his bank (First Direct) and now relies on a Cashplus? prepaid account until he gets himself back into the black. Rather than pay the extortionate rates that cheques cashing businesses…
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How much will changing banks effect me?
Hello, I currently have a Halifax Student Account, and have had it since 2007 when i started my first course at University. In 2009 i changed my course (basically started again in Year1). Recently I recieved a letter from the Halifax informing me that as I was soon to finish University, my Account would be changed from a…
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HBOS rewards
Apologies if this has been discussed before, but if either H or BoS, stoped their reward offer on their current accounts, how many would return to either original bank or look for a new account? Assuming HBOS, would either redunce the fiver to a pound or less or as I said stop it all together? I'm just curious, because…
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bank failing to reimburse fraudulent transaction
I am a Barclays customer and became separated from my debit card. At the time I wasn't sure whether it was lost or stolen. However, within 90 minutes (max.) of the loss I reported it to the bank over the phone. I confirmed the most recent transaction which was legitimate and was assured that no further transactions could…
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Santander complaints (gifts of apologies)
Hey tell you what, if you make a complaint to Santander they might give you a token gift. Yesterday they called me back and offered wine or a Molten Brown set. This was all within a few hours of writing the complaint on their website form. Wasn't impressed that when I called their Customer Services line they kept me…
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Debit Card Service Charge
Hello, It seems that sometimes when I use my Halifax Electron Debit Visa Card online, I get a £1.50 'Debit Card Service Charge' - I have no idea why, despite searching the Internet and this forum. I have two questions to ask: - What is this charge, why am I charged it and is there any way to avoid it? - I'm an 18 year old…
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Moving to Canada - Setup account before I leave or once I'm there?
Hi All, I'm heading out to Vancouver on a year's working visa in 3 weeks. I have money to take with me and have been trying to decide the best way to get my money set up in Canada. As far as I see it, I have 3 options: 1) The bank I hold a current account with (HSBC) can setup an account for me in Canada for a fee of £100.…
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Nationwide faster payments
Hi Just to let you all know that Nationwide are experiencing problems with their faster payments - I pay my kids an allowance which should have gone out on 30th April but due to weekends and bank holidays etc went out today but hasn't hit their accounts - when I phoned they told me it was an urgent problem they were trying…
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Farse whilst changing bank account's *please help*
Hi I am a new member and would really appreciate some advice on the situation i am in right now; It started around 2 monthgs ago when me and my partner decided to get a joint account, we decided upon a lloyds tsb account which meant us both switching from HSBC. We went into lloyds and discussed what we wanted with them and…
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Halifax fraud checks
Over the easter weekend I opened a halifax reward current account to budget better ie splitting bills from daily spending. And the £5 per month reward seemed like a nice addition. I also love online banking and never go into branches. To save moving all my DD's I was planning on using this as a spending account. So account…
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Bank Charges
My son opened an account with Natwest in Jan of last year. They offered him an advantage account which he had to pay a monthly charge for. When we checked out the "advantages", we decided they were not beneficial and so returned to the bank to change the account. The advisor assured my son (with me as a witness) that the…
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Barclays online banking
Is it just me or is it very slow again today, plus it keeps logging me out. Anyone else affected by this?
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How to Work out Income
Im trying to do my household budget as we are starting to struggle financially. The problem is on our Income. My hubby's job is not salaried and is not an hourly paid rate. He is a fencer and gets paid different rates for different jobs, so depending on what he's done, depends on how much he get. This can vary from £325 to…
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Are they having a laugh?
Still chasing around after that last extra bit of interest, but is it all worth it? At last count I have had 76 accounts or "financial products" in last 4 years. Recently decided to dump NatWest e savings account when bonus period ended. Phoned Nat West to close account and was told that I had to visit local branch. This I…
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Couldn't give a Cahoot
On 28/04 we received a letter from Cahoot bank to a previous address we lived at saying we owed them money and they would issue a default within 28 days of the situation wasn't resolved. We sent a letter by recorded mail in reply saying we haven't banked with them for 7.5 years, had no correspondence or statements since…
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Should I close my account?
I opened up a student account with the Co-op last year but I haven't used it at all, except to house my loan temporarily before I put it into my ISA. I'm wondering whether I should close the student account. The only thing that's making me think twice is about closing is the 0% interest overdraft (but I've forgotten how…
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BoS Counter System before Lloyds...
There have been numerous threads about the recent changes Lloyds Banking Group have made to the Halifax branch counter system (basically changing it from the old building society type to the Lloyds TSB system which can process bank giro credits etc). My question is, what system did Bank of Scotland branches use when HBOS…
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Opening offshore account, check procedure
When opening an account (savings product or current account, say) with the offshore arm of a UK financial institution they ask you to provide certified proof of ID & address - do they also run a credit search on you like when banking on mainland UK, anybody know what kind of checks they run? What would reasons to be turned…
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Basic bank account for 14yr old
Hi, Wonder if anyone can rcommend a first bank account for my 14 year old daughter, who has now got a weekend job and her first taste of financial freedom? I'd like her to have a cashcard without the ability to go overdrawn (until she's a little older and is wiser to the value of money). The only no for me is CO-OP - who…
