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Help with Lloyds Tsb
Hi all, Just a bit confused with all this banking stuff! i have had to close my under 19 account because (obviously) i have turned 19! i ended up opening a CASH ISA Saver with £3000. I looked on the Lloyds Tsb website and i the rate is 2.65% AER. I then looked at there currents account and is it right that if i put £3000…
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AER question?? Help Please
Just a quickie. My daughter is doing her GCSE's and is finding it difficult finding AER's. I was taught Compound interest etc but not AER. (Annual Equivalent Rate) An example would be AER on a savings account with £2500. Year 1 - 3 % Year 2 - 5 % Year 3 - 7 % to 4 sig figures. How on earth do you work something like that…
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Old bank account help: Santander
Hi I had an account with abbey national, obviously before they changed names to santander around 6 years ago, maybe longer can't really remember. I left the account owing £107 in unpaid overdraft fee charges, (yes I know it was my fault, but I was out of work at the time and the account had only gone over by £2 but they…
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HSBC Secure Key - Useless
Received a secure key which I wasn't too thrilled about, but there's not much I can do. Placed it into my wallet as advised by HSBC. Went to use it today and the screen had cracked and filled with black ink. Do not put these in your wallet. They are very fragile. After being on the phone for 12 minutes, they are sending me…
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Lloyds tsb....
Just opened new current account with them. £1086 going in a month. I have poor credit so quite shocked they let me open one but how long before i will have good rating with them, how long before i will be getting offers like OD?
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Santander....
hi i want to open an account with Santander as i have just started my new job. I won't be using this money as i have another source of income. This would just be a saving. What sort of account should i open in order to get max interest on it? Thanks in advance
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hsbc decided to charge £25 for overdraft I've had 15 years
I've had an overdraft for years with HSBC. and i got the overdraft review letter and just by chance read the detail as i had 5 mins to waste. anyway. they have decided to charge me an arrnagement fee of £25. I rang them to confirm this, and the fee will stand. I then said just cancel the overdraft completely. (i was…
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Debit cards in Malta
Hi, we recently spent our honeymoon in Malta. Whilst there we booked some excursions through our rep and paid using a debit card. This was done by filling out a paper form similar to the old style visa ones which my wife signed. This was on March 28th this year. Our bank still has no record of the transaction and it is not…
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Santander...this happened to anyone else?
I applied for a current account with Santander, to take advantage of the £100 incentive for switching. I applied on the 27th April, and have heard nothing so I phoned them today. The guy I spoke to on the pheon said 'oh, i've never seen that before' there was 'Appeal' next to my application. On further investigation by…
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Nationwide Faster Payments
...don't seem to be very fast today? I've been waiting nearly 3 hours for a transfer I made to a HSBC account - money has left my account but hasn't appeared in theirs. Anyone else having problems with this system? :(
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Free business account
I have a situation as I was trading as a sole trader and due to the increase in business made the company a LTD company and opened an LTD account with Natwest. When I first opened the Natwest account, my business manager told me to run it for 2 years as a sole trader (free) then change to an LTD and get a further 2 years…
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Santander refusing to pay £100 switching incentive
due to having used the wrong "product code" when signing up. I opened the "Preferred In credit" current account back on 7/2/11 in order to take advantage of the £100 switching incentive. I made sure I used the dedicated switching team to move two standing orders from my Halifax current account and also transferred £1000…
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Best Account to use as a Joint Bank Account?
Hi all, Recently married and looking to set up a joint bank account. I'm currently with the Halifax and OH is with First Trust (a Northern Ireland subsiduary of AIB in Ireland.) Looking for a bank with both good online and customer service. So far I've been happy with the Halifax, so should I just stick with them, or do…
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Excessive bank charges?
I have just been charged £55 for being overdrawn, on complaining to the bank I was told by the girl that when purchasing something online the money may show on line as going out of my account immediately but that it depends on when the company does it's banking and that it could be days later when this comes out of my…
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Santander business bank account - debit card? Reviews?
Hi, I'm considering getting a Santander business bank account to keep business transactions separate from my personal bank account. I'm going to be a sole trader, selling a bit of jewellery I make as a hobby so I know I'll be within the limits to make banking free. As I rely on online purchases for materials, I was…
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Closing A Bank Account
I have just transferred my bank account from the Royal Bank of Scotland and have been advised that the final step in this process is to send a letter requesting the closure of my account and transfer of remaining money to my new account. And here's the minor catch I'm supposed to send this letter to the RBS's account…
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Satander Physical Address for Direct Debits - Sort 090132
Trying to set up a Paypal direct debit on a Satander account sort code 09-01-32 getting Prescot St E1 8AD from a google but different door numbers and PO Box numbers anyone know for sure? Tried ringing them and had the phone put down on me twice as they obviously didn't know.......they really are as bad as everyone says.
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What bank should I use to avoid currency conversion fees?
I have a poker account which I cash out from in USD. In the past I've always used Nationwide and they've converted it at their end for free. However, nowadays they charge 2%. Is there anyone that still does it for free? Thanks!
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Natwest Current Account. - Credit Check?
Looking to set up a natwest account tomorrow, don't need an overdraft or any special features. Do they credit check you? If so it shouldnt matter about bad credit as I dont need an overdraft?
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Do banks offer you an upgrade from a basic account?
Evening, Just been reading about debt & how you should get yourself a basic account with no borrowing facilities & they said something about you'll be offered borrowing facilities if you keep your account in good standing for a few years. Does this depend on the bank or is it a universal thing? Any other info would be…
