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Banker's Draft query
Hi there, I'm looking for some advice... At the end of April I raised a Banker's draft which was presented to the payee. I'm with Natwest and the draft cost £12 to raise, and the funds were immediately taken from my account. As I understood it, the draft should be treated as cash thus i was very careful with it. However a…
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Natwest Overdraft charges
Hey everyone, and thanks in advance to all those that offer me some help. I've got an account with Natwest and I had a payment go out that left me approx £8 overdrawn. I'm currently temporarily living in Germany, and I assume that I would have received a letter warning me of charges about to be added to my account, but I…
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Surname change following wedding in Mexico Natwest bank
Hi. We have just been married in Mexico and my wife will be taking my surname. What is the process for changing it with the bank (natwest) and our wedding certificate is in spanish, wil this still be acceptable? Thanks in advance
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Business Banking
Does anyone know what the norm is for business banking- ie is it every 7 days? Monthly? Quarterly? Annually? I had some materials delivered and gave the driver a cheque on the 28th April. Nothing has come out of my account and I'd assumed if it was monthly the cheque would have been put in at the start of May and come out…
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Natwest Phone Banking
Hi guys i made a transfer today around 5pm over the phone i sent the payment to my friends natwest account the guy on the phone said the payment will clear tomorrow morning. I just logged in to my natwest online banking i cant see no payment going out or on the statement? How long dose it take for payments over the phone…
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Best bank account for PhD stipend - £15,000/year
Can anyone recommend a good bank to put my university stipend into over the next three years? My stipend amounts to £15,000 tax free/year, + the potential for a few thousand more from my industrial sponser. Are there any banks that I should avoid? Sorry if I'm being too vague!
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Halifax Reward Account want me to go in Branch?
Hi All, I have 3 Reward accounts opened up before they restricted them to one. When I logged into on line banking today, on two of them, I cannot look at the transactions or make any payments. I have rang the online helpdesk and they want me to go into a branch with photo ID. Anyone know whats going on??? Should I only…
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Santander/A&L internet banking
Is anyone else having a problem logging into their account on internet banking ?? I have been getting this message all day: I phoned Santander, they said they don't know of any problem. My account is an old Alliance Leicester current account. .
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Are bank accounts classed as closed after default?
I just want to know if a bank account acts the same as a closed account once it has gone into default and passed onto collection agency I had a bank account that went over my overdraft about 2 years ago. This was due to charges by the bank which I appealed on but lost. Long story short I refused to pay them, and they…
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Nationwide flexaccount changes ...??
We've a Nationwide flexaccount and have just received a letter saying they are going to: 'start sending details about how you use your flexaccount toi our approved credit referenced agencies and also receive information back about how you manage other credit products. Thi information is not used for credit scoring purposes…
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Payment Services Directive effect from 1 January 2012
Do any of the bank staff who post here know what the main effects will be of the 1 January 2012 deadline for payments to arrive within 24 hours? For UK domestic payments, will all banks and building societies have to offer Faster Payments, and will BACS credit transfers be phased out? Will all UK banks and bs have to send…
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Bank account loyalty
Hi, I am trying to get rid of bad credit card (high interest rate) but my current bank Halifax appears to have used a disputed default account payment history to refuse me. So I am not happy, I was looking to switch and Santander seem to be offering a good account as we have our mortgage with them (well Alliance & Leics,…
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business bank account
Hi all, not sure if i am posting in the right place, if im not, you can all shoot me:rotfl::rotfl: I am going to be starting a new business:j and need to open a business account, but as you will from my sig, on a dmp with loads of debt:eek: have a basic account with Natwest so applied online for their business account (i…
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2nd Card holder in current account- credit history linked?
Hello forgive me if this is a very bsic qeusiton and there is an answer elsewhere... OP and I are 'streamlining' our finances. At the moment they are separate as his credit history wasn't brilliant to begin with, (although it has improved). We have opened a joint saving account to start putting money in towards a house (in…
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Halifax Visa Debit Card
Hi All, This is the first post for myself and I could really do with some advise. On April 28th I purchased goods to the value of £1350.00 and another £850 on the 31st May from a shop on my Halifax Visa Debit Card. The first transaction was completed in person and the second over the phone. Was informed by the shop owner…
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Bank of scotland reward account changes!!??
Does that means the BOS Reward account will be gone as well? Currently I have both BOS Reward and Halifax Reward accounts to pump a £1000 through each and get a £5 for each. That was done on purpose, so Halifax or Lloyds wouldn't say that I can only have 1 Reward account. Alo what will happen to internet banking? Will they…
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Quickest Bank Account
Are there any bank accounts that can give you an instant answer on whether you are accepted or not? I need a new bank account & need a s/c & acc details asap so my wages can be paid in this month. The quicker the better.
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Overdraft charge for under 18?
Hi - just need a couple of quick answers. I'm 17 and have a standard current account with Natwest that I opened about a year ago. About 6 months ago, I had a £200 online purchase come out of my account with a £100 balance. Due to the time the company took the money (I purchased on a Sunday, they took the money from me on a…
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Lloyds TSB Premier Account Scam?
2 months ago I received a call from my Lloyds TSB branch trying to get me to change to a Lloyds Premier account from a classic account as I have an overdraft of £3.5k and supposedly the interest rate and fees would be cheaper. I declined as most of the services offered by the account were either useless to me or I had…
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Paying by Bank transfer
Hi All, Apologies if this has been asked before but I couldn't find anything through the search facility. And I don't normally lurk around this part of the forum so not even sure I'm posting in the right place....!:o I want to purchase an item from an online retailer. Never used them before but my research shows them to be…
