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Sick of bank account charges - overdraft - paid items fees
I have just logged on and found Ive been charged £65 in one day by my bank (santander). This has once again put me over the overdraft (which means they'll charge me again next month). I'm getting thoroughly p***ed off with them doing this. First I get £10 charge for Arranged overdraft then £15 unarranged overdraft. Plus 2…
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Writing Off Small Amounts
Quick question for any (private) bankers out there. Is there any legislation which would allow a company to write off punitive amounts (<50p) on the basis of it being more efficient to the company (on the basis of man hours, postage, economy, etc)? Reason is we sometimes get clients who are invoiced to £199.99 and send…
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Card Readers/Secure Keys
Can someone explain in very simple terms how these work? How does the website know that you have entered the number that has been generated on the device?
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Help..Can my mum set up a business account for me
I need a business account but due to my bad credit history (because of my ex husband) I have been rejected by all accounts even those who look at ex bancrupts like nat west, santandar etc. Can my mum set up a basic business account and put me on it as a signatory? I have this fantastic opportunity of opening up a clothes…
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NatWest Paying In Slips
Hi there, I'm currently overseas. So I've asked a friend to bank a cheque for me into my NatWest current account. I was thinking of sending him a pre-printed paying slip - see here However, this paying slip is from 2008. So I'm wondering whether it would be still valid? Also, I'm wondering whether my friend needs some sort…
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Overdraft reduction
I've been with my bank for a long long time and over the years my od limit has crept up and up and up to a huge £4500. I'm ashamed to admit that the amount I owe to them has crept up and up in line with them and for at least the past three years I have lived at this limit often with a few standing orders bouncing at the…
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Santander
Hi. I am a Taxi Drive.Over the weekend I found a wallet containing a Santander Visa Card plus driving licence and other cards.In the first instance I contacted Santander via their customer service number to explain I had found the cards and could they please contact their customer for me saying I will return them later…
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Halifax/BOS cut off time for payments
Hi, My brother has a LTSB cash account, his not very good with money so find it useful to have cut of time at 3.30 in which if DD has gone out from his account and pays money in before 3.30 the payment wont bounced. Is this the case with BOS/Halifax aswel? MS
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Halifax and LLoyds help
This may have already been answered so i apologise for my ignorance. If you have a Cash Account with Lloyds are now able to do withdrawals from a Halifax machine and vice versa? What about a cash withdrawal for a Bank of Scotland Cash Account from a Halifax and Lloyds cash machine?
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Santander Premium account - health insurance benefits - WARNING
Be careful, it sounds like a good deal, all these things for £20 a month but read the travel insurance policy carefully. Wife has Asthma - nothing serious but she does take 2 different inhalers (like a lot of people). £14 extra Santander want. I dread to think what it'd cost for anyone with a serious pre-existing…
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bank account for 13 year old?
Hi, can anyone give me advice regarding a bank account for a 13 year old - soon to turn 14 that does not need parental authorisation. I ask this because my sister lives with me but I am not her "legal guardian" and so far have not been able to open an account for her. Does anyone know of a bank that will allow her to open…
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Halifax reward accounts
I already have one, i am wanting to open another account so i can switch money to it so i can budget better. Can i open another one to claim the £5, also me and the misses are actually gonna get rnd to opening a joint account can i get a reward account as a joint account? thanks in advance
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A&L - Santander Overdraft cap
Hi everyone, Ive just been plunged into my overdraft - had an expensive couple of months but wasnt too worried as my rate has always been 50p /day capped at 10 days(£5) now thats raised to 20 days so im paying £10 in bank charges. Does anyone know any better accounts? The main guides as very limited as they only push the…
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Credit rating and Childrens accounts.
Hi all. i am wondering if a parents credit rating is used when doing a credit search for their childs first bank account? My son is almost 12 and i want to open him a bank account, but as it is i have an appalling CR (and can only get a Natwest step account for myself) i am wondering if this will make a difference?
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RBS - massive charges
Hi all, I need a bit of advice as I'm getting absolutely nowhere with RBS. At the start of April I had an unusually high mobile phone bill (over £400) come out of my account by direct debit. At the time I did not have the funds in my account to pay this, it should have bounced but RBS decided to pay it anyway. This took me…
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Recovering money from limited company
I’m not sure if this is the correct forum, but I wondered if anyone had any advice for claiming money back from a limited company? My son was attending a nursery on the edge of Sutton Coldfield and the owner decided to close the nursery with one days notice. We received a rather unprofessional letter from the owner ranting…
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Pay off OD or Credit Card
Hi there. I have an OD on joint account with Halifax which I tend to live in, at cost of between £31 to £55 per month in fees (based on £1 day plus £5 per day if go over the £2500 limit which occasionally happens. I also have a credit card with APR 17.9% which costs approx £41 per month interest. I have the opportunity to…
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Over Drawn - Help!
Ok, here is the situation. I went into a shop on Friday and spent £300 using my visa debit bank card. The payment originally was rejected due to the amount. The shop rang for an authorisation code. Gave me a "transaction rejected" slip. Ran the transaction again, I put my card in and it accepted it. Today I checked my bank…
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Hope others are finding Halifax a bit more helpful at the moment
Went in today as two people ( one being my mum so know its genuine ) sent me fasterpayments yesterday that are not showing on my account, when in Branch was told that a few people had come in to report this but she will check the system When she went to look me up it hung for 10 minutes before her admitting " The new…
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Think Banking
Hi all, Just wanted to know if anybody here has one of these managed accounts with ThinkBanking?? I personally have heard great things about them but wanted some personal reviews from people. Many Thanks
