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Closing joint account
Could someone help me please, i am divorcned but still have a joint account with halifax with ex husband. I have tried to take my name off but need both signatures to do this and he wont agree what do i do please ???? Thankyou
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Higher overdraft at Halifax!
With the Halifax you used to be able to see what level of overdraft they were willing to give you without a credit check by clicking 'increase overdraft' online. Now they seem to have changed the system slightly. I'd like to increase my overdraft limit temporarily. However I don't want to lose the overdraft limit I already…
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NatWest - "Activation Code Has Expired"
Trying to log into NatWest online banking I am getting a message that my activation code has expired. I have had nothing to activate. It's some weeks since I successfully changed my PIN and password which was not because the previous values had been forgotten. Anyone else unexpectedly getting this? Update: Called NatWest.…
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Council Tax - 12 monthly instalments
My new Council Tax bill dropped through the door this morning, and there was no mention of the right to pay in 12 monthly instalments instead of 10. I phoned them, and told them I would be paying in 12 instalments, and they said they would send me a new instalment plan. What a waste of money, they should just ask for 12…
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Application for a bank account
Hi. I just wondered when applying for a financial product why the application form asks how long you have been with your present bank? Does this impact on your likelihood of being successful? Is it a case of the longer you have been with your bank the better? Thank you in advance.
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Payment pending/retailer saying not received
Debit card payment. I know this has been discussed a hundred times but I can't find a thread. I made a payment to Woolworths, completed the transaction and at the end it said "Error no payment taken" However I have spoke to my bank and they said payment is pending to go to Woolworths. Woolworths said they dont have the…
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DD needed for bank accounts - how long are they needed?
I set up a Lloyd's vantage account in Oct that needed 2 DD's but now I want to open a Santander 123 which also requires 2 DD's. If I change them over will my 4% interest come to an end or do they just require them to be set up at the beginning? Thanks
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How often can I apply for current accounts?
Hi, I'm sure this question has been asked before but I promise I have searched this forum and I can't find an answer. Basically I switched my current account over to Halifax reward account at the beginning of January for the switching incentive and the £5 every month. I then decided, last week, to apply for an ordinary…
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Noddle
Sorry if this is the wrong place to post. I want to have a peek at my credit report and was thinking of using noodle. I have gone on this site and its asked for all the usual details but then it asks for my debit/credit card details, even though it says no payments will be taken. Is this genuine? https://www.noddle.co.uk/…
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First direct cash for switching - too late?
Hi guys, I opened an first direct current + savings + regular savings account to get the 8% on regular savings in January I've paid over the £1500 a month into the account in Jan + Feb but didn't transfer my direct debits, as I like having everything with my current bank. I'm now thinking maybe I should open the…
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Santander being a pain !!!!!
Hi, Just looking for some advice really, Santander are holding a debt against my self and my partner dating back from 2007 we have been in contact with them via the CAB about three years ago but they couldn't tell us what the debt was for, nor prove what it was for. Myself and my partner both had current accounts with the…
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Overdraft interest confusion
So I'm really unsure of how interest actually works on overdrafts... I have a current account with Natwest and an arranged £2000 overdraft limit. It says the nominal month rate is 1.52%, Nominal annual rate is 18.28% and EAR is 19.89%. No fees. Example 1: I go into my overdraft by £250 for one week only. Would I pay a one…
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Wescot/Lloyds TSB
Hi everyone :) I took out an overdraft of £3000 a few years back with Lloyds TSB. Last year I got made redundant and since then haven't worked. Im now a full time college student and because of this I'm unable to claim any benefits. I have zero money, and thanks to still living with my parents, I have food etc. I received…
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Nationwide unauthorised auto-upgraded from CashCard to FlexAccount
Today I have received a surprise letter from Nationwide informing me that last week they had upgraded our Joint CashCard account (ie a basic, no overdraft/credit facility account) to a FlexAccount (ie a normal bank account with an overdraft/credit facility) without my knowledge or permission. For most people this would…
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HSBC or Halifax
Hi all, this is my first time ever posting on this website. although I do browse regularly. I currently have an account with Halifax (ultimate reward) but I don't use the benefits that come with the account so im paying for no reason. Ive been trying to find another bank account that has the same overdraft deal which is…
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budgeting disaster!
I'm really sorry if I've posted this in the wrong place -I was a little lost! Today has been one of those days - I feel like I've walked into a film rather than living in my own life. BACKGROUND: I look after our budgets in our family. I am married, I'm employed and run a business on a self employed basis, we have 3…
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Help Please ...Santander taken all my wages
Hi All, I hope someone can help me any advice will be most welcome. Really worried as I have no money and unable pay the mortgage, electric gas bills, I have a young family to support and really struggling. I have recently had a employer pay my wages into an old account by mistake. This particular account has been closed…
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No bank account available for people like me
Hi, Having been discharged from bankkruptcy in 2009, i had a co-op cash minder account, over the last year or so i`ve had dircet debits returned due to lack of funds and now the co-op are closing my account, i`m trying like mad to find an account somewhere, but the main street banks offer me a current account and when i…
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Direct Debit Question
A friend of mine has told me that if a Direct Debit is unused for a year, the bank will automatically cancel it. Does anyone know if there is any truth in this?
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Co-op cash minder current account issues
Hi all, I wonder if anyone can help at all... My partner has a co-op cash minder account (the one for poor credit ratings) and also has debt with Barclays bank. He went over his limit by £3 last week, and as soon as he realised (less than 12 hours later) he transferred money into the account. Co-op have now said that he is…
