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Lloyds Vantage question
Hi All, I just had a quick question about adding Vantage to my current account. As i understand it at the moment there is tiered interest rates up to the balance of £5000. What happens if you end up having more than £5000 in there? Do you receive the tiered interest up to £5000 or do you lose out on all interest as a form…
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Nominate person the use of my bank account?
Hi, Is it possible to nominate another person to use my account, i.e. withdraw money etc. from the branch? Thanks
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MSE News: Santander still by far the worst bank for customer service
This is the discussion thread for the following MSE News Story: "A poll of MoneySavers shows Santander is still bottom for service, with First Direct the best ..." Read the full story: Santander still by far the worst bank for customer service
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Which banks do not charge for depositing demand drafts
Hi I'm a Singaporean student going over to the UK soon for studies. I have a substantial amount of pounds (>£10,000) in bank draft purchased from the local bank DBS bank ltd. The agent bank on my draft is Barclays bank. I would like to know which banks do not charge me money to deposit this bank draft with them, assuming I…
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Proof of address - Odyssey with NatWest
Hi folks, I'm getting a bit impatient with NatWest: I was living in Germany for a year and notified NatWest to send any post to Germany. Just got back to the UK. Well, few days ago I was trying to update my address with NatWest. They requested my NatWest Debit Card to do an immediate address update. Although the expiry…
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NatWest Bank Account
Hi, I have just been on the NatWest website to apply for a bank account and once I got to the end of the application it said I didn't qualify for their 'Select Account' but offered me their 'Basic Account' or their 'Select Silver Account' which was £8 per month. I am just wondering which account I should go for. My credit…
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Natwest Advantage Gold - HELP!!
I currently have the Natwest advantage gold current account, which I upgraded to in May from my Current Plus account. I am thinking of cancelling the advantage gold as I don't use the benefits, apart from the mobile phone insurance - which I have read bad reviews about on here anyway, but I see that Natwest no longer…
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Santander or First Direct?
Hello, I am looking to switch bank accounts and am tempted by the Santander Premier account (£100 + £25 Amazon voucher and 5% AER interest for the first year) and the First Direct account (£125 to switch, £100 if you leave between 6-12 months later). Does the Santander account always have 5% AER for the first year or is it…
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Lloyds - gross interest
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Payable order?
Hello, just had a refund of my car tax as had to scrap my old car. Its paid by a payable order not a cheque, have paid it in to cashminder account and it says on back of order it takes two to three days to clear. I hope this is right as really need it asap! I paid it in to post office and I know this may delay it by a day.…
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Found a Northern Rock passbook...
...among some of my gear from years back. Had £2.99 in the account in November 1996, there is just the one balance, but im sure I withdrew £100 and they gave me a new passbook. Im assuming that money is still there as I havent closed the account. Do I get my shares from the switch from building society to bank? And do I…
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Northern Irish (student) bank accounts
I was looking around on the website with the hopes of getting a student account. (I currently have a basic starter account with my bank.) I'm not very happy with my bank's services and am hoping to change to a new one but there are no mention of popular banks where I live. Such as Ulster bank and Bank of Ireland for…
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Right of Offset & Business Accounts
Hi All, If an individual has defaulted on personal credit (Credit Card / Loan) with a banking institution, and they also hold a Business Account with the institution, in the name of a LTD Company, can the right of offset be used in these circumstances and monies taken from the business account to clear the personal…
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Opinions of HSBC, in particular internet banking
I'm thinking of switching my current account once I pay off my overdraft as I'm not entirely happy with my current bank, and am considering HSBC. I was wondering I could get some opinions on HSBC banking in general, and specifically how good their online banking facilities are (as this is my preferred method of banking).…
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Smile Bank
I have been with Smile for very many years. Over the past 2 years I have noticed the Customer Service getting worse. The latest incident is over a missing Credit card that should have been issued to replace an expiring card. To say it's been a shambles would be an understatement. If you are thinking of moving to Smile -…
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Cashback or points for opening a Halifax reward account?
Well the title says it all really. I'm with Santander currently as I was with A&L and they're rubbish, so I figure the £5 a month account from Halifax is the way yo go, but before I sign up I was wondering if anyone knows where I can get cashback preferably or points for doing so. Thanks
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MSE News: MPs call for cheque guarantee card return
This is the discussion thread for the following MSE News Story: "An organisation which sets payment methods should consider reintroducing the cheque guarantee card, MPs said ..." Read the full story: MPs call for cheque guarantee card return
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Debt Advice?
I'm writing this because I am TERRIBLE with money, finances..basically anything numerical I can't grasp or remember. So I'm asking for some advice off someone who is a bit more clued up than me. I'll try and keep this simple. Three/Four months ago I left home and moved to the city. I'd saved a small amount of money so it…
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How to set up a DD between two banks
Hi, I'm sorry in advance for the basic question, but I have no idea when it comes to banking! I have a current account with Santander, and an ISA with Nationwide. I'd like to set you a Direct Debit from Santander to Nationwide, but how do I arrange this?? Also, I'm looking into switching my current account to another bank-…
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First Direct bank error: incorrect interest rate paid on ISA
I recently spotted that First Direct had not applied the correct interest rate to a new ISA that I opened.:( I thought I'd mention it in case others have FD ISAs which are not paying interest at the rate you expected; it might be worth checking your rate. I noticed that the interest appeared paid to be very low and have…
