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Joint account - advise please
Hi, Just joined this immense forum, and have a few questions for my first post.... I entered an IVA in Nov 2005 and settled it via F & F in Feb 2007. Alot of my defaults have now dropped off my credit file. All should be off in November this year. My fiancee and I are contemplating a joint account - and having all our…
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Unpaid item fees - nationwide
Just noticed we had a £75 paid item fee £20 unauth'd overdraft fee and interest. I understand we get £15 for every transaction over the overdraft.... here is what we got charged for.. a Payment for £24.56 came out, taking me £12.07 over the overdraft as I was abroad for this transaction I then have a commission fee of…
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Maximum amounts on debit cards?
Hi all Hopefully this is a question with a quick answer (possibly a bit dumb too!): I'm planning on buying a car tomorrow for £6.5k and I have the cash in my bank account - are there any restrictions on how much you can pay by debit card? I'm with HSBC if that helps? I think not but it would be a disaster if it were to be…
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Halifax Cardcash account and taking money out?
My wife has a Halifax Cardcash account and just wanted to know will she be able to take Money out at any cashpoint or will it now have to be a halifax or Lloyds one?
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Can't login to Halifax all day
Their page: https://www.halifax-online.co.uk/ Takes me to a page saying: Service interruption We're currently upgrading our banking systems which means that you'll not be able to access Online Banking at this time. Please try again later. We're sorry for any inconvenience caused.
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What is the safest way to receive funds from selling something like a car ?
Say you want to sell something and someone turns up at your place and agrees to buy the item, just how do you accept the money ? Of course, if it is a £50 item then it is cash or already through Paypal etc. but what if it is a car worth a few thousands or even more worryingly, if it was many more thousands, say £20,000 ? I…
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Problems using all of halifax services
Hi , I am aware that over the weekend halifax were upgrading there systems but since them doing this I have been unable to send any faster payments and when I have tried to use my debit card or use cash machine my transactions have all been declined . I was just wondering if anyone else has had any problems at all doing…
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SANTANDER new bank account issues
Afternoon Thought I would add this should anyone be considering moving to Santander. ****BEWARE**** I opened an account in April 2011 with the intention of benefiting from the £100 you get by having 3 months of £1000+ going into your new account. You also have to have 2 direct debits / standing orders set up and active…
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Halifax products in BOS branch?
Hi all I'm looking for a bit of info from an HBOS employee, or anyone else who may be in the know. Can Halifax products be opened in a BOS branch? Obviously with the separation of the Halifax and Bank of Scotland products over the weekend has resulted in 2 sets of products now being offered. I am looking to open a Halifax…
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Santander Embossed Visa Debit
Hi there, My son has a 11 to 15 youth account. Will be upgraded to 16 to 18 on the 14th. He's getting very frustrated as the card is unembossed and believe it or not but our local shop still uses one of those zipzap machines a lot(Their system goes down frequently) Is there anyway he could qualify for a fully embossed card…
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Natwest Adept
Are the Natwest adept cards embossed?
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Names on cheques: ploy to make them more difficult to use?
I tried to pay a cheque made out by my wife from our joint account with our retail bank into her Nationwide account only to have it rejected. They stated that because she had made it to "Mary" (her commonly used name) but her account is in the name of "Wendy Mary" (her full name) they refused it since the cheque was…
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Changing halifax online username?
I've had the same halifax username for years, after the changes today it wouldn't let me log in and I had to reset my username, passsword and memorable information and confirm by phone that it was me. My username is now a big jumble of numbers which I'm going to struggle to learn off by heart. Does anybody know if I'm able…
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Halifax Treasurers Account Missing
I have 3 current accounts (personal) and a treasurers account. Since the upgrade, I can now only view the current accounts. I used to be able to 'view only' my treasurers account. I cannot check balances on it via telephone banking either. I have just called the helpdesk (savings) and was told that they can see my 3…
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Will joint account kill my credit score?
I have a good credit history. I've never had any trouble getting things like phone contracts and I've been accepted on a mortgage before now, etc etc, no worries on my side of things. My partner however has a terrible history. He can't get a phone contract even. It mainly stems from living alone from the age of 16 when his…
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Close My Accounts
Hi, I've just received a bank letter that says; they will close my Account at Lloyds TSB, I'm working out of UK & I don't use it since two years.what should I do? I would like to keep this account. I have some money still in it.your advise please?
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Can my bank discuss my credit report with my husband
My husband recently applied for a loan to consolidate my husbands credit cards and was turned down, we have a joint account. The bank had called me to ask if it was ok to proceed as they need my permission to credit search me for a joint account, so I said thats fine. We were declined, when my husband asked why, they said…
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MSE News: ICB report urges banks to separate retail and investment arms
This is the discussion thread for the following MSE News Story: "The report states UK institutions should ring-fence money deposited by the public from 'casino' operations ..." Read the full story: ICB report urges banks to separate retail and investment arms
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Texts from Halifax and LLOYDSTSB
I guess this is part of what their system update was upgrading over the weekend. I am a Halifax customer and received a text from 'Halifax' warning me of being near my limit (I don't have an overdraft and balance is 0.01) which was unexpected but useful I guess! This isn't my main bank account anyway. Then I received…
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Halifax ISA missing
Just logged in to my online. My Halifax ISA has vanished with my £3000 HELP !!!!!!!!!!
