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Budgeting loan advice please
I will try to keep this short. I was on income support up till May and then the very next day my wife claimed income support so there was no break in it. So she sent of the form for a budgeting loan and she got letter back today saying that she can't have one as she has not been on IS for more then 26 weeks but I thought…
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10 year old uncashed cheque question
Hi, Not sure if this is the right place for this query, but I'll ask it in the hopes someone can help. 10 years ago, just after he retired my father booked the "holiday of a lifetime" - a 2 week cruise in the Caribbean. Unfortunately, a few weeks before my parents were due to depart my Dad had a heart attack and although…
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Padlock secure website icon missing
I've just noticed that the padlock secure website icon is missing when I try to log into my Lloyds account. It may have been missing for ages and I've not noticed before but it is showing when I log into my Santander account. Should I be worried? Is it the same for you? Edit: sorry, my fault, it appears on page for logging…
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Will being turned down for current account effect credit rating?
Hi All, I am currently in the process of rebuilding my credit rating. I have a Natwest Basic account and would like to upgrade to an account that will let me use my card at all ATM's rather than just the RBS group machines. I have had the account for 5 years and always kept it in good condition, i also have an instant…
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Barclays to Barclays
If I pay a cheque someone's given me (they are with Barclays) into my old Barclays account, does it mean that the cheque will clear instantly given that it's a Barclays cheque being paid into a Barclays current account? FYI the person issuing the cheque, and me, are with two completely different branches of Barclays. Or…
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self employed, do I have to have a business bank account?
Hi, hope you can help with a basic question. I'm a self employed, work from home graphic designer. As you can imagine I work all hours, do my own finances, everything really and only make a very basic living and it's difficult to make ends meet sometimes. I had a sales call recently from HSBC asking me if I needed a…
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nationwide overdraft charges
Hi I would just like to find out if anyone knows how they go about charging you when being overdrawn? This is the first overdraft I've ever had and its of £100, I had a letter saying I would be charged £4.47 but it doesnt say when does anyone know if it means that much daily or monthly? Many thanks
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I'm overdrawn!!! :(
Hi All, I bank with the co-op and have two accounts with them both are cashminders. I am very careful and use their text balance service every day so i know what my balance is (as it takes off pending transactions on the account). i text the service yesterday and had £16.57 in one account and £13.02 and the other...this…
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Anyone having problems logging into halifax and Lloyds accounts?
Been trying to log onto my account with Halifax and Lloyds for the pass hour so is anyone else having problems? i keep getting the message there is a problem then a code.
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Has anyone had their overdraft reviewed and revoked??
Do the bank demand the money back in full by a certain date or by instalments? This is just a general question, out of interest. I work in finance and I hear many customers advise that their overdraft has been taken off them, but do some banks take it back in full because the customers advise me like it is the end of their…
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GE Money unregulated loan
I have a secured loan with GE Money. I had a lot of issues with them, and was in arrears for some time. They attempted to reposess my house a few times, and over the past 4 years have been to court in excess of 6 times, with Eversheds. Last friday i recieved a letter from GE, stating that basically, they have done a review…
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Faster Payments to Nationwide - delay?
On the understanding FPs take up to 2 hours for the recipient to receive the funds. The funds have left Santander 2 hours 30 mins ago to Nationwide and both sort codes are FP enabled according to the payments council website and the funds are well with in the sending limit of Santander. On Santander on the realtime…
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How to cancel HSBC Advance
Hi, As an existing HSBC debit card customer I upgraded to HSBC Advance in May this year. Although I normally do not consider myself easily lead, in the instance of signing up to this I gave in very easy to what are in all honestly, completely pointless perks. With just over 6 months to go of the 12months you submit to with…
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Opening First Direct Account whilst on Benefits
Hello there, I am wondering whether there might be certain restrictions, such as being in receipt of income based JSA etc, which might prevent me from opening an account with First Direct (I am particularly interested in the £100 Reward one). I have been on the Electoral Roll, since I've moved in, but upon checking my…
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About Lloyds Visa Debit and transaction
Hello, I was hoping someone could help me on this. I've been to the local bank but they couldn't help me and I am a bit worried. Here's the situation. The balance on my card saids ￡600 but the available fund saids only ￡10. I know this means that there's a pending payment or transaction and I only have ￡10 available to…
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Upgrading unused bank account
I bank with HSBC and I currently have a £1000 student loan with them. When I entered second year I tried to extend it but they ran a credit check and refused me. I'm wanting to do matched betting and use a seperate bank account and was thinking it would be easiest to use my existing Halifax account. However, this account…
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Do banks still understand the meaning of collateral?
I am looking to buy a property at auction which, if successful, will require a payment of 10% plus some other fees when the hammer drops. I don't really have much faith in the banks, so only keep about £5k in a single account, but have a fantastic credit history with them for many years, and am mortgage free on my…
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hsbc credit rating
Hello All Ive resently found when checking my file hsbc have (in 2009)placed 6months worth of late payment charges against my credit file (all showing Red .I only have a basic account which has no borrowing facility and has always been in credit . I have asked them why and they say its because id not used the account for…
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Receiving luscious dosh from the US
I will shortly be receiving a Swift payment from the US into my Nationwide account. What information does the sender need? I'm thinking SWIFT Code and Account Number and Sort Code. Is that right? Do you need an IBAN and BIC as well for a payment coming from the US? Also what address do I put for Nationwide? Their address…
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Natwest Business Account
Hi all I have a NatWest business account with a £500 overdraft. They have written to say they are no longer giving me that service. I have about £400 overdrawn. They are handing me over to business collection. Are they going to ask for this all at once. The letter says something about an agreeable plan. Any help would be…
