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How to become credit worthy?
I've only just signed up as im sure you are the best guys to ask. I NEED to improve my credit rating, i cannot even get a credit card. Im currently 23. Gross income £1700-2800. 1 current account with an over draft of -£500. which monthly hits 2k+ 1 student overdraft account with an overdraft of £1200 (within limits) (was…
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123 Santandar account
Santandar say they want to upgrade my current account to the 123 scheme which has been advertised on TV. I know I will have to pay £2 a month but I want to know if its worth it and will I gain anything by it? I pay my utility bills through Santandar so It might work. Can anyone advise me please, or should I avoid it?…
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Joint account for bills, first time buyer
My girlfriend have bought our first house and it completes on Apr 4th. Due to being a recent graduate her earnings have been up and down although (touch wood) she has now found a permanent job. The mortgage has gone solely in my name as it was my deposit and my wage etc etc. After the two year initial mortgage term we plan…
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NatWest & RBS why different options
I am not able to get anything other than a basic account with Natwest but today I went into RBS and could get Basic + Select Silver + Royalities Gold (not sure if Select was offered) and was told that these accounts are credit scored. Is it due to paying for them that they are more willing to offer them?
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Visa Debit card will not work for online transactions
My Visa Debit card has stopped being authorised on all recent attempts to purchase things online. - I have money in the account - Everything was fine up until about two weeks ago - HSBC say its not them and alls ok their end - I can use it at ATM's and shops etc. - HSBC are sending me a new card just in case. If it isnt…
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New account and transfer of DD+SOs
So I applied/got a new account today with RBS and my card + Pin + online banking details are in the post to me. How long do you think it will take to arrive? When I applied online I asked for them to do the whole transfer but in the branch I forgot to ask (they had to redo the application). I don't mind doing it myself but…
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First Direct Everyday saver account
Hi all, my first post :) Hopefully not in the wrong place!? Opened up a new First Direct Current account just 5 days ago,its all up and running and I have the debit card already,just in the process of moving all the DD's with their switching service, impressed so far...however...rang today to enquire and open up a basic…
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Microsoft Money 2005 UK no longer works
I have been using Microsoft Money 2005 UK edition for many years now and have a Money file which has all my historic financial data that I use regularly. Unfortunately, my hard drive failed recently which required a complete re-install. Luckily, all my data is stored on a NAS which is backed up so I didn't lose any data. I…
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RBS sending me somebody elses texts
Hi, was not sure where to post this or even if anybody could help, but for the last six months RBS have been sending me the text alerts from somebody elses bank account. It is very annoying, particularly when you phone them up and they tell you there is nothing they can do about it. Apparently despite all the High Tech…
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Bank ignoring the extra day in Feb
So this is Nationwide. Partners wage = last day of month Rent share to me = last day of the month Nationwide took the rent out on 28th Feb then returned it, my partner has now been charged for this, can he claim it back?
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HBOS Cards
Morning does anyone know if halifax or bos use online/offline cards? I have 3 accounts and one card starts 4462 and the others start 4762. are they all these 'offline' cards that can use at tesco and on trains and planes? Thanks
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Online payment with incorrect reference! Help!
Hi All, I stupidly made an online payment to a store card today and put my name as the reference instead of the the store card account number. I am hoping to ring the bank in the morning and get this changed, or the store card provider. Has anyone else incountered this problem? Just wanted to know if it is easy to rectify…
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moving money
I have recieved a large cheque and plan to pay it into Natwest. I then need to move some into Nationwide. I have current accounts with both of these, so to start with will go to the current accounts. I don't have online banking or telephone banking for either so will be inbranch. Is there an easy and quick way to move the…
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First Direct question...
I've had a look on their site and can't seem to find the answer to my question ....... how do you pay a cheque into the account when they don't have branches?
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Best Online Bank Account?
Good Afternoon money savers. I have just been diving through the myriad of online bank accounts and prepaid master cards and I can't seem to find the best one. Does anyone know the best online bank account out there at the moment that doesn't charge silly amounts to have? Thank you.
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Limited statement service Lloyds TSB
From time to time I get the error message Unfortunately we can only provide a limited statement service at this time. Sorry for any inconvenience this may cause you. Please try again later. on online banking is there a reason for this?
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Bank account protection
Okay so a bank account is protected up to £85000 per institution. Suppose however you are using an offset mortgage and owe for example £100K, yet in your bank account you have the £100k. At this point you are paying no interest on your mortgate but you are sitting on a cash pile £15K above the protection level. My logic…
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International payment not received
Hi, I made an international transfer to a U.S. account for £740 via Lloyds TSB online banking. This was made on the 14th of March and the LLoyds site says a North American transfer is made within 3 working days. I am concerned as the recipient says he has still not received it. I have also lost the online receipt i printed…
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Two full searches by Barclays for one bank account.
Hi Just checked my Experian report and Barclays has done a full credit search, twice. One on the 13th and another after I received documents to sign and send back to them along with the signature card. This is not what I was expecting, and in my eyes is plain wrong. Is there any way I can get this additional search removed…
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natwest charges for fraud case
hi i ordered a product and did not receive it and contacted natwest about this and then filled a letter about the case and just seen that they have charged me nearly £200 for it, can they do this it is outrage for me, was not told about this cost any advice please, will not be recommending this bank anymore
