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Joint Account Questions
Am looking to set up a couple of joint accounts with OH 1. Looking for a current account. Joint income £2345 p/m (after tax) Looked at the reccomendations on this site, didn't quite make sense of it all but thinking maybe the Santander Preferred Current Account or the Halifax Reward account? 2. A secondary savings account,…
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1st Direct - three quick questions
My OH has opened this account and will be putting 1st £1500 in this month. The questions I have: 1) Does he need to physically put £1500 in each month or would £1 in the e-saver somehow negate the need to do the monthly transfer (I've seen some contradictory info re this on the forum) A link to T&C would be great. 2) Does…
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Halifax Current Account
I'm thinking of opening a new Halifax current account for the £5 per month 'reward'. However as I have just been made redundant I will not have my salary paid into the account, but I can transfer £1000 from my savings from another bank into this account on a monthly basis. Would doing this qualify for the reward? Thanks
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Halifax £100 offer for joint ac
We both have Reward accounts (opened about 6 months ago) and are receiving the fivers, but not using the accounts for much else. We have a Santander joint account which has 1 SO and 1 DD, no overdraft. Since it gets 5% on £2500, it's not very good as a joint ac and would be better as joint savings, because every time the…
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Business bank account compulsory for Sole Trader?
Hi, sorry if this has already been covered in a previous post. I'm just about to set up as a Sole Trader and have been told that I need to have a business bank account as opposed to an ordinary separate current account that I would use purely for business transactions. Does anyone know if this is true? I'd obviously like…
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Money sent to Wrong & CLOSED Account
I recently closed my santander account and moved all funds into a new Halifax Account, All well, good and easy, I changed all of my online accounts - Paypal, ebay, amazon from my Santander Debit card to my Halifax Debit Card, again all well and Good, BUT:mad: I forgot to change my Amazon Sellers Account, and it pays out…
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ATM with highest withdrawal limit
Hi everyone, I've recieved prepaid moneyshare card from my family with 1200£ loaded on it. I'd like to withdraw cash, but they charge roughly 5£ per withdrawal. I know typical ATM got a limit of 300-400£ per transaction. So I'm looking for ATM in London with limits higher than that, so I can make less transactions. Any…
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Is this allowed?
Hi, My daughter is a medical student and is taking out a special "elective" loan with Bank of Ireland to do her summer elective (working abroad for the summer on medical stuff). Anyway, the banks say she needs to change her current account to this bank (from her Halifax Student Account) and use it as her main account with…
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re-joint A/c
Hi, Can someone advise me please on whether I can close a joint A/c without my partners agreement? I am first name on it. It is also a spanish bank,CAMBANK,
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Do I qualify for 1st Direct £125 on maternity pay?
Hi, Normally my monthly pay would meet the £1500 p.m criteria for the free £125 switch but as I'm currently on maternity pay until May, would I qualify if I top it up to £1500 p.m with money from my savings? Apologies if this is on info is their website, I just couldn't find it! Thanks in advance.
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Metro Bank Debit Mastercard Offline
Hello, I'm wondering if all Debit Mastercard's that Metro Banks issue are offline? On my account I was given a letter saying that I was approved for a £0 overdraft and when read with a card reader the magnetic strip indicates that it's an offline card. However is this because the computer thought I had an overdraft even…
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Co-Op Bank acc? Check your standing orders
Had a letter on friday telling us 3 standing orders were not paid as there were 'No Funds Available'. This was odd as I don't use that account for paying out, apart from the bills. Another acc has spending money. Anyway, spoke to a nice lady who told me on the 1st of February there was a problem with standing orders, and…
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Money management apps for phones
Hi folks, just looking for some advice really. I noticed I can get free money management/budgeting apps for my phone. I was wondering if anyone could recommend a good one? I think I might be more inclined to record my spends on my phone than in a book. I have an android phone. Thanks :)
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changing back account - Advise needed
HI im in the middle of cleaning some cc debt but once clear i would like to change banks i have dormat accounts with TSB my current account with Santander my mortgage with Halifax i was thinking of closing TSB and Santander and having a current account and basic savings account with halifax which is also who my mortgage is…
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Nat West
I have been self employed over 1 year now running my own Light Transport business. When I started I opened my Nat West business account but its just the basic I was declined from having credit. I tried agin 2 months ago and still declined even though its all ways been in credit. I sent for my credit file witch was…
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Internet Fraud
Has anyone heard anything about the new internet banking hackers who can gain access even to a'ccounts that have the card reader. Apparently you log on normally to the normal website but then you are redirected for 'training' at which time the hackers can get into your account. Apparently each hack is a one off but it is…
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Elderly uncle had a stroke - aunt cannot find internet bank details
Hi, does anyone know where I can get some support for my 80+ year old aunt who does not know any of the details of her husband`s internet bank account. He has had a very bad stroke is in hospital and unable to speak. We cannot find any paperwork. The credit card company have written a default letter as he has not paid his…
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The evil Santander again
Just had my mother on the phone. Apparently Santander rang her earlier to speak to her. After a brief call they apparently told her that she had to attend an office to talk to somebody. She rang back shortly after and explained that she is 82, partially disabled and partially deaf. She also explained that there is no…
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Credit Cards and Limits
A friend what to book a car hire on hoilday in a few months, but the car hire company has told him, he must use a credit card with a minimum card limit of £1000. But he doesn't have a credit card, and when he asked his Bank Natwest they said they will only give him a £500 limit, do you think their are any banks he could…
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Lloydstsb phonebank express finishing
Letter from LTSB this morning, saying their free phonebank express service is finishing this April. Really disappointed with this, you could you an 0800 for free, without having to use 0845.
