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Closing Bank Account - Credit Change?
Hi All, My girlfriend and i set up a joint account with the aim of using it as a central repository for paying for joint bills, food etc. I was unaware at the time that because she had a low rating (Purely because she never had credit, avoided credit cards/loans etc) and that this may have an adverse effect on my credit…
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Son's Student Account Overdraft
My son had a Natwest Student Account during 2010-2012, the first years overdraft was fine, in summer he was fully overdrawn but that was OK when he got his next round of grants etc. However in 2011 the terms of the overdraft changed, and in summer he got a letter telling him that no money been paid into the account for 4…
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Think Money Account?
Hi I am looking to open a joint basic bank account and applied to Think Money. However after searching the internet it seems they get a bad opinion. Has anyone had experience of this company?
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Average Montly Utility/General Costs
Hi All, I am looking into moving out into a 2 bed apartment / house on my own and wondering what roughly other people are paying? I have done a slight budget but not sure if i have the costs correct. Contents + Buildings insurance -15 Gas and Electric -65 Water -35 Phone + internet -20 TV License -15 Mortgage -500 Food…
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RBS Digital Banking
I think I'm going to cry! This is just a rant. I have held two RBS accounts for around 4 years and in that time I've been able to log onto digital banking about 5-10 times, most of those times I've not been able to get any further than the account summary before getting logged out. I have only been able to "make a payment"…
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Student Overdraft? Pay off or no need?
Hi all, I have a NatWest Student Account with an interest free overdraft of £750, I'm still a student and it's going to be interest free for years yet that's not the issue. What I wish to know is should I make sure I am not overdrawn by the end of each month? I.E. If I am overdrawn going into the next month, will this be a…
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santander 123 current account
Hi, Is the santander 123 current account a current account and savings account combined? I'd really like to apply for it, but I'm against the idea of having one account with all my cash in it. Can anybody confirm? cheers
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Proof of Address nightmare for foreign national.
My wife is Brazilian, here on a marriage visa. She's lived here for around 9 months now and we have tried several times to open a bank account/join my account with no success, so I thought I'd ask here if anyone knows any alternatives or solutions. The problem is always proof of address. We live with my mother just now. We…
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Help Which Bank ? - Barclays or Halifax
Which would you choose ?, I have two bank accounts one with Barclays and one with Halifax, they have: Barclays Debit Card Cheque Book Halifax Reward Contactless Debit card Cheque Book £500 Overdraft (Never Used) I use the Halifax for the free £5, and keep the rest in Barlcays and use that for day to day spending, Direct…
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Joint account with foreigners. Advice needed.
Hi guys, My first post (of many to come)... :) I'm an IT professional from the south of Europe and I've just recently moved to the UK (a year and half ago, maybe). As I'm sure you all know, it's chaos down there, not to mention the whole Cyprus mess, so I want to move most of my money to UK banks and get pounds instead of…
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Would bank take a dim view of one off betting transaction?
I bank with First Direct. I play the lottery by direct debit (one line on Wednesday, one Saturday) and will play Euromillions via the site when it rolls over (I credit lottery account with a tenner which is the minimum amount Camelot now accept) purchase the ticket and transfer the rest back. I am also in a syndicate at…
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Debit Card with saving account
Is there any bank account that offers a debit card instead of a cash card?
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The old Online/Offline Card Question Rears its head again !
I am a bit confused, not hard to do admittedly but here you go. I have a Debit card (Contactless) with Halifax, and a Premier debit card with Lloyds, both these cards are offline (I think) as I can use them on the train and at pay at pump etc. I also have a Barclays account (Normal account with cheque book etc) but the…
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Nationwide card issues
Has anyone had any issues with their debit card being declined? I have phoned the customer service line and they have informed me there is a problem across the UK and they recommend that you do not use your debit card as it is most probably going to be declined.
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How to stop pushy staff?
Hi all, I know this sounds like a strange question, but it seems every-single-time I go in branch (Lloyds TSB) I'm getting pestered by staff asking me if I want a credit card because the (lack of?) security (Risk of fraud and that) of using a debit card. I'm vehemently opposed to using cash or credit that isn't mine…
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barclays online banking problems
Hi is anybody else having problems with barclays online.banking this.morning? I keep getting the following message when i try to log on M1101 - Sorry we're currently experiencing technical difficulties and have been unable to log you into Online Banking. Please try again later. If the problem persists, please call the…
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Are RBS having computer problems again?
I've just had my debit card declined for no obvious reason. I just wondered if their computers were playing up again.
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Normal Current Account After DRO
Morning all, The Mrs went through a DRO 3 years ago and we're slowly rebuilding her credit file, which is a very slow process as no bank wants her business We started with a HSBC basic account but this was pointless as she couldn't have any DD out the account or a debit card. After a year she managed to get a Nationwide…
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weekly shopping budget
I'm committed to clearing our debts as quickly as possible, but I need help with the weekly shopping budget ( food, hygiene, cleaning); What's a reasonable weekly/monthly budgeting amount for general shopping 2 adults and 1 child per week/month? Help please
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Letter to my Barclays Branch - Still Possible or is it centralised now ?.
Can I still send a letter to my Barclay's branch and will they reply or will it just get forwarded to some central place to reply ?. Its not something the call centre could deal with as its only some thing local to the branch, I am living about 200 miles away at the moment so its not possible to just pop in. Just wanted to…
