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Current account - default
I wanted to find out when a bank can issue a default notice on a current account - is it basically up to them or is there a criterea they have to meet first? A couple of years my account went over the limit twice but I brought it back under the limit both times by transfering funds from other accounts within a day or so…
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CRA Searches?
Hi I've received a couple of search alerts within the last six months to indicate HALIFAX BOS-EMC COMPUTER SYSTEMS have searched my Equifax credit file. I do not bank with Halifax or BOS and am unsure as to why these searches have been made. Previously I tried to track down the reason for the search and who precisely it…
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Santander Current Account
Hi, I'm thinking of opening a Santander Current account and switching online just to claim the £100 plus £45 cash back through quidco. Just a few questions first if anyone knows... Do i have to close my account i have now? Will i have to switch all direct debits? How long do I need to stay with santander to claim the…
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Natwest first reserve account
Hello all, I have recently switched all my banking needs to Natwest and have a Current account and a first reserve savings account with them. So far Natwest have been very good. Does anyone else have a first reserve account? And could you use the account as a second account without DD ETC and purely just use it for a…
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VISA card for 16 yr old
Hey; I need some advice and heard that you guys are the most knowledgeable bunch of moneysavingsexperts. Basically, I would like to open a bank account which will give me a VISA or Mastercard, rather than a basic ATM Cash Card type thing. But there is one (small) stumbling block, I'm 16. Which are the best accounts out…
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Lloyds TSB to cease Agency Banking facilities
Lloyds TSB will be withdrawing their Agency Banking facilities in the UK shortly Therefore a change of sort code is likely for banks using Lloyds TSB for clearing eg CitiBank , Bank of Cyprus and many building societies Apologies if already posted
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Switching banks
I have been with Abbey/Santander for almost 20 years. I have always found their customer services soooo infurating. I have recently opened a nationwide account to get a better deal on my mortgage and was thinking about switching my main account from santander to nationwide. Is this a good idea? Will it damage my credit…
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HSBC - Reducing Overdraft
HSBC are really confusing me with the overdraft request charges. Here's the thing I want to reduce my overdraft by say £50 or £100, but I've already reduced it 4 months ago. I was under the impression that requesting an overdraft twice in 6 months will incur an overdraft arrangement fee. But I'm not so sure now after…
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More good news about your favourite bank - Santander!
Check this out http://www.dailymail.co.uk/money/article-2005309/TONY-HETHERINGTON-Why-mystery-cash-debits-Santanders.html Yes, I know it's the Daily Mail.....:o I'll get my coat......:embarasse
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Smile.co.uk Debit card starting 4988
Hi peeps, I have a full current account at Smile.co.uk (the cooperative's online bank). Great customer service btw! It is an Offline card as I can pay my train fare with it, but the card systematically checks my balance prior to authorising the transaction. I thought Offline cards were all FULL AUTH?? Does anybody have a…
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Bank account for backpacking/traveling?
I am due to go traveling from December for 9-10 months throughout Australia, New Zealand and America. I have a HSBC current account at the moment, but i need help on the best bank account to have to withdraw money abroad and have funds transferred in from home. Can anyone recommend a bank or building society?
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TSB, close or forget?
I have a TSB basic bank account. It used to have an overdraft but they took it off me and charged me £6 for the honour. This used to be my main bank account, but they was unable to provide the one thing I was after, I have asked again and again for it. It was... If my account DOES NOT have any money, DO NOT GO OVER MY…
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Direct Debit due Monday taken Saturday
I'm amazed and angry at NatWest's policy. I looked at mini-statement today 18/06/2011 and found a D/D dated 20/06/2011 for £50 ish just gone from my account to pay the D/D due on Monday. They have just deprived me of £50. The 'chat' advisor flagged up some details about them making a decision that this money should be…
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Am i still financially linked to my ex?
I broke up with my partner of six years a little while ago and we owned a house together and also a joint bank account. Since breaking up we have sold the house and paid off all debt we had together including closing the joint account we had. He has said we will still be financially linked for 10 years because of the joint…
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Do you know your bank internal score?
If you do, care to share? :D I was told I'm a three, a big surprise I must say! I don't know how I managed to be a three because I'm not rich and don't have a fancy life. I do live carefully though. Anyway, would I be right in saying the following is true? 1 - 3: The very best customers. 4 - 6: Mr and Mrs Average. 7 - 9:…
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Budget worksheet month to month?
Hiya, I wonder if anyone can help me, I'm trying to find a budget planner, Ive played with the one on site which is good but I want one that I can update month to month and compare, go back too etc if that makes sense, I know people that do these on paper in a notebook but i'd rather do it on the computer, I have Excel if…
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Transfering Direct Debits?
I know when you open a new bank account they will often offer the option of automatically transfering all your direct debits from your old account to the new one. Does anyone know if Barclays offer this service at any time or just when you open the account? Currently I have two accounts with different backs and I'm now…
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Santander Transfer Time?
How long (approx) will it take a bank transfer of £2,850 from an account in Holland to reach my Santander account in the UK? The transfer was made today by the way. Thanks!
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Halifax have taken out my SO amounts early
This seems wrong to me as my available credit including my £300 overdraft is now £190, it would be £390 as I was £90 in credit beforehand, I'm not buying anything today and get paid on Monday by which time it'll correct itself as the dates on the SO are 20th. This means if I needed to spend my available £390 for some…
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Bank given me 2 weeks to pay off my overdraft - don't have the casj
Nationwide have out the blue told me I've to the end of the month to pay off my £1500 overdraft with little explanation as to why. They simply say they've reviewed it as well as my wider finanicial management and that it isn't sustainable. If I don't pay it I'm charged 18.90% interest plus unathorised overdraft fee. I'm…
