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Natwest Step current account v Lloyds classic vantage
Evening all, I do my main banking with Lloyds tsb. I have been banking with them for around 7 months and at the start was very impressed with the services they providing. In the recent few weeks I have been a little dissapointed. Firstly I did have the silver account again at first a great little account until the changed…
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Advantages to sticking with one bank?
I've been with Lloyds TSB for 20 years, but was thinking of changing accounts, maybe to CO-OP for the £5 a month thing if it's still going. But is there any advantage to sticking with a bank you have a long history with? I took out a loan once with them that I repaid, and have been in credit with them for about 8 years so…
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Experian/Creditexpert Scam
Hi all, I recently signed up for Experian/Creditexpert in order to check my credit file as I was about to apply for a mortgage. I signed up via quidco in the hope that I'd receive their cashback offer. Quidco is normally very good at tracking purchases & I have used the site for over a year now, however, my free trial was…
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HSBC Premier Downgrade
Currently a Premier customer due to savings (ISA) but will be moving this away at the end of the fixed term (next week). As my account will then fall short of the £50k requirement, does anyone know what the procedure is for downgrading back to a normal account? Will it cost me given that I presume they will want to replace…
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Never had a bank account...Help
Hi new to the forum, just joined for a bit of advice really. For the last fifteen years my wages have been payed into my Girlfriends account. We split up 2 months ago and i really need to get my self a bank account, only problem is on paper i don't really exist. I have never had a loan, never had a contract phone, Bills…
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Lloyds Bank Query
I have just logged into my account only to find that my Regular Savikngs Account is not showing. Anyone else got this problem?
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direct debit has bounced
Will my direct debit be taken again as it bounced back to me and I don't want to behind in payments?
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Santander's purchase of RBS / Natwest Branches
Hello, I was wondering if anyone had any information of Santander's purchase of RBS / Natwest branches / business? Is this deal limited to only Scottish Natwest Branches or would this also relate to England and Wales too? Any updates would be appreciated - whilst I've heard favourable comments about Natwest - my experience…
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Nat West / RBS cash back accounts
Anyone been reading the T+C? Do you think you could open up one natwest and one RBS account? Or are they all on the same systems like halifax and BOS? Paying for bills aka C.C's from the account I guess wont count as a purchase?
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Removing overdraft limit
I've currently got a £750 overdraft allowance on my current account, which I haven't touched in years, and I'm not going to any time soon. Is there any benefit (e.g. credit report wise) in asking them to remove the facility completely?
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Halifax Issue
Hello all, I have just got off the phone once again from Halifax and would like some advice To give a brief outline, in November I had a problem with my account - after many months - today in fact - Halifax have accepted this was down to a system error that effected my account which left me £1500 overdrawn ( it basically…
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Making a payment over the phone using debit card
Any one out there work in a bank could you please tell me if you make a payment over the phone by debit card does the bank recored the time of the payment and would it show as card holder not present at time of payment Thanks
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overdraft charge
hi all if anyone can offer advise to my problem please do. I have a Nationwide Flex Account which is a current account. My overdraft limit at christmas was £150 which I have never gone over. I was away from january until just recently. I have been catching up on correspondance and and found a letter stating from the start…
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bank charge surprise
Had a letter this morning from Santander demanding a payment of £233 interest charges , I have never used this bank so rang them to ask what it was about., After numerous calls i was told i had poened an account with Alliance and Lecester that required me to pay in £500 per month or incurr a penalty charge of £ 5, per…
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Joint Bank Accounts
My partner and myself need to set up a joint bank account as we are moving into a rented property together. What is the best account when it comes to joint accounts? Thanks
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Cancelling a DD - what happens if the gym tries to take it still?
I need to cancel my gym membership due to severe lack of use! I've emailed the gym and they said that I can cancel after the 1st July (can continue to use the gym until the end of July) and just to cancel my DD when that payment has gone out. They did say that the email was sufficient as one months notice but I'm going to…
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4 Weekly Pay
I've just been notified that my employer is changing from paying calendar monthly to every four weeks. In order to make budgeting easier I've been looking for credit cards, mortgages etc that can issue statements / Direct Debits on the same 4 week cycle. So far this has been a rather fruitless exercise. Can anyone help or…
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Abroad
Best basic bank account for using ATMs abroad??
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Paytoo
Hiya Does anyone know how this works?
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Expenses APP for Blackberry
Hi All, I use BB and looking for a app to record expenses to help my budgeting. I do my home budget on monthly basis, buy cos i travel often on work, i tend to lose some Till receipts, have looked on BB app world but most decent apps there are made for Americans.
