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Do santander Have a grace period for unauthorised OD
Hope someone can help i have an arranged overdraft with santander i accidently went over this by £8 from about 2am till 8am this morning when i paid in sufficiant funds to bring balance back into arranged overdraft there t&c are complicated do they have a grace period like lloyds were if you pay in by 3pm they dont charge…
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Faster Payments and MoneyBookers
I use Moneybookers on a weekly basis and everytime I send a payment on Wed, it's in my bank Friday. My question is will the FP change mean this transaction will be instant?
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MSE News: EU overhaul leads to faster electronic payments
This is the discussion thread for the following MSE News Story: "High value and some overseas money transfers will this week go through within one working day, under a new EU directive ..." Read the full story: EU overhaul leads to faster electronic payments
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Business Bank Account Rejection..
Hi. I have recently failed a business bank application with my personal bank Santander. I should point out that i have recently come out of a Debt Relief Order at the end of September. I am starting up an on-line business. The money will be generated by phone calls (call diversion) which the phone company will send me an…
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Getting the Santander £100 bonus
Hi all I opened a current account with Santander and they said if you transfer 1k into your current account per month for 6 months you get £100. So I opened a current account & an ISA with them & set up 2 standing orders on each so 1k would bounce to & from each account. Would I be able to get the £100 doing this, or does…
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Halifax Bank Account £5 monthly reward - is it interest?
Hello all, Just wondering whether the Halifax Account's incentive of £5 a month is interest or just a reward payment. The MSE site states: "The monthly £5 payment is ‘interest after basic rate tax’ so non- or higher-rate taxpayers should claim extra or pay more via tax returns" whereas the Halifax T&Cs state it is a reward…
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No reason why you can't switch again quickly?
I switched to Santander in July and got the £100 / 5% interest etc. I'm now considering switching again to Halifax as there is another £100 on offer and £5/month is more than I am getting in interest on my balances. Is there any reason why I couldn't do this so soon? I note Santander impose a £2 fee if you don't pay in £x…
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Basic account for food/child benefit - card
Hi all, I need a basic account that will be used to help our family with some budgetting - basically will put money in each month to cover food plus the child benefit (approx £650 total). We need a joint facility, cheque book, visa card, and ideally online banking although not essential. Does anyone recommend anything that…
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Bank Fraud
Long story short I've had just shy of a grand nabbed from my account. Am not too sure what happens next, Santander have given money back but are investigating and may take it back if they think I may be at fault. Obviously I'm not, my husband is unemployed and this was almost every penny we have. Had a letter in today…
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Natwest Step changed to Basic, meaning no access to cash anywhere nearby
Due to taking out a DRO a couple of years ago I have had a Natwest Step account since. This has recently been changed to their new 'Basic' account. Unfortunately this has changed where I can access my cash, now I can only access it at Natwest or RBS cashpoints, of which there are none near me. I've spoken to them to find…
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Paying off overdraft - pressure from bank
Hi, don't know if anyone can clarify following situation for me. Have been paying off debts for last 2 years and am left with one debt. Owe £1040 overdraft on a standard RBS current account. What I've been doing is reducing the overdraft montly by about £30-£50. But my bank repeatedly ring me to ask me to take a loan or…
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Halifax Reward Acc non tax payer
I know this has been covered before but I must have misunderstood the answer. As I have been a non tax payer for two years now I thought I would sort out my Reward account. I printed off a form to claim the tax back and sent this to HMRC. They sent this back saying I should take it to my bank, eventually I went to the…
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US Bank Account
Hi, My wife is registered as an international student (although she now has British Citizenship, but this was after she had been studying for a few years, so can't claim home fees or anything like that). She is coming to the end of her PhD studies and the USA loan companies are now starting to 'bay' for their money. She…
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Finance template?
Hi all, Im looking into starting some work on the weekends to supplament my household income. For now, does anyone have an excell template for finances i could use please? I have seen a few on the net, but most seem way more in depth than what i would be needing. I may make my own but something to give me a good idea to…
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DMP/DRO - which current account is best?
Hi, im looking to start a debt management plan (and possibly a debt relief order if i dont find work soon) and i know that i will need to set up a new account with a different bank if i owe money to my current one. Well i do... I have a loan and a credit card with barclayloan/barclaycard, and the only bank ive ever used is…
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Need Advice re Bank account switch please
I have switched my bank account on the QT from Santander to LloydsTSB, all direct debits, salary etc have been switched to my new account. I have left Santander owing an overdraft of £2250 but have not approached them about the charges and am being charged £7.50 per month overdraft fee, and can only afford to pay £20 per…
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What will my overdraft charge be?
Hi everyone, Basically, my potential HSBC overdraft charge is really worrying me. From the 16th December - 16th January (the date any charges will be announced, and the period the charges will relate to) I will have been overdrawn for a period of three weeks consecutively (until the 8th January). Yes it's my own fault…
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Advantages to switching to Halifax?
I'm currently with Santander at the moment, current account & eSaver. I've heard good things about Halifax, and now they are running a £100 joining bonus. I've always found Santander to be average. Do Halifax have an iPhone App? Do they have any good basic saving accounts. Thanks for the help :)
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HALIFAX £100 opening bonus
Just seen an advert on the TV for Halifax - if you open their reward current account and switch your existing account you will receive a £100 bonus. The reward current account also pays £5 p.m. irrespective of whether you are overdrawn or in credit, but overdraft rates are steep. I've just checked the website which states…
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Halifax updates in real time?
Before the system updates with Lloyds, Halifax used to update everything overnight, and debit card transactions would only appear after the update once a day. Ive noticed now that debit card transactions come out as soon as they have been taken. For example i checked my online banking at 4pm, i just checked it again now…
