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Joint account, recently married
Hello, I got married 3 weeks ago and am thinking of approaching the idea of a joint account for savings and pay holidays and stuff. Just want to know if getting joint accounts is a good thing and if yes which bank is best. I was thinking of getting one with perks like free insurance for travel and phone as I do not have…
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Every Little Helps!
Hello! This is my first post here, after AGES trawling Google, i thought i'd ask the Money Saving Experts themselves! Basically, my husband and I are saving for a house deposit, and we're doing quite a bit already (living off one salary and saving the other) we budget every month, write meal plans and stick to them…
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Barclays International Banking ?
I was wondering if anyone is with Barclays International Banking ? And how its service differs from a normal Barclays account ? I was thinking of switching from Barclays Premier, which i pay £17.50 for, which is too much i think, but since I live in the uk and im a uk citizen, im unsure if they will let me open an account,…
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fraud on account that not mine
a friend helped me out last year by opening a current account in his name as i not enough id to open my own. stupidly due to account being overdrawn i kept all my and his details in purse with card, it was stolen and overnight there was £550 taken out in 'payday' loans. What can either myself or him do about this, I really…
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Minimalist bank statements for ID checks?
Here's a thought.. Pretty much the only reason that I still opt to receive printed bank statements for my current account is in order to have one of the necessary proofs of identity/address/etc immediately available when I need one (eg, opening another new bank account, starting a new tenancy, etc, etc). I'd much rather be…
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direct debit out today, paid money in 9pm...
Oh dear!!! I had a direct debit coming out of my Natwest account today, and i've just transfered the money in there now (9pm) to cover it, do you think it'l be ok??? I'm sure its normally 3pm cut off- Oh Pooh!!!! I was on online banking this morning but didnt notice the other account was overdrawn! Its for a credit card…
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Are there 'Oyster top-up-style' bank accounts?
I try to keep my cash in my online savings account, topping up the 0.001% current account with spending money. I'm pretty good at keeping enough cash in there to cover spending, but every once in a while I get caught when a big payment comes out and I get hit with a bank charge (particularly if it goes over my overdraft).…
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Help with bank transaction code please
Hi checking my lloyds account online there is a transaction for today am unsure about, transaction code is RTR CHQ SOPR am thinking the first bit is returned cheque Can anyone tell me what the SOPR means? thanks
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Subject Access Request & Power Of Attorney
Hello.. Any and all advice appreciated please... In a nutshell, a family member, 3 years ago, appointed me and other relatives as Power of Attorney with relation to their financial affairs as their health was deteriorating. Unknown to me, that POA was activated last year and another person with POA has emptied a bank…
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Old Account with the Woolwich
I have just come across an old bank account I opened in 1977 with a gift I had received of £500 I still have the £500 on deposit The Woolwich Branch I held it at is now a trendy bar Can I get my money back? Who own the Woolwich now? Any assistance will be much appreciated I have moved address 4 times since I opened it
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HSBC Account balance doesn't match spending
I have just set up a new debit card and put 20 pounds into the account, to get it started. Since then I have bought a £10 topup for my phone and transferred £5 into my savings account. That is all. However, when I bought the top up, I had to set up visa verified (twice, failed the first time) and my available balance went…
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Looking for bank account with cheap EU transfers
Hi, I'm looking for a bank account that includes international transfer services. I'm only looking to send unconverted Sterling to Romania (I'm doing the currency conversion there at much much much better exchange rates), so that excludes all *FX "money transfer" services out there. I'm currently banking with HSBC and they…
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Nationwide Complaints
I wonder if maybe someone could help me, I'll start from the beginning so you can understand my problem. On Thursday 5th April I went to my local Nationwide to pay in £60 so i could pay some bills online. I used the ATM machine inside as there was quite a queue. I deposited 3 x £20 into the machine and one was given back.…
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Halifax Reward Current Account - getting automatically logged out after transaction
For the last couple of weeks', whenever I log into my Reward Current Account, immediately after making a transaction I get automatically logged out with an apology from them for having had to do so, but no explanation. I can't log back in again straight away, but have been able to (up to now anyway!), if I wait a while. I…
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Halifax phasing out Visa Electron cards!
Hi there I have just received a Visa Debit card from Halifax for my Cardcash account to replace my visa electron which expires this month. I contacted the call centre & asked for an electron card & was told that this wasn't possible as Halifax are phasing them out, so once your card expires you have to switch. I am livid,…
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Natwest Help
Hello. A Natwest cash machine recently chewed my card up. I got in touch and they said there was a chip error of some sort and I would need a new card and it might be wise to send me a new PIN as well. This was last week. Well my new shiny card has arrived but still no sign of the PIN number. Today is pay day and I cannot…
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Random anti-fraud measures every time !
I've been with Lloyds over thirty years (opened current account at 17), I'm not overdrawn, don't have a bad credit record etc. Lloyds tells me that anti-fraud measures on debit cards are random. EVERY time I use my debit card on a purchase over £100, it gets stopped. That's hardly random. I bought a fridge and freezer from…
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Halifax Reward Current Account - Overdraft & available balance?
Sorry if this seems a silly question, but here goes..... Lets say I banked a cheque for £250 a few days ago (the deposited cheque forms part of the daily closing balances - in credit), but because it hasn't properly cleared, my available balance is showing as £450 (assuming £500 overdraft facility) and the statement…
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Best bank account deals
Wanting to set up a joint account that offers travel and phone insurance. Will be paying in £1000 minimum per month.
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lloyds transfer times
Hi there does anyone know how long it takes to transfer funds from a lloyds account by one person into a halifax account of someone else. thanks
