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Trying to save for a deposit but I'm crap with money :(
Hi guys, Sorry in advance for the long post, but I just need to vent and to hopefullyget some advice from all you money savvy people :) My boyfriend and I are saving for a deposit for a house, we both earn good money and are putting a portion of our wages aside each month into a separate bank acccount. I am 20 and he is…
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spreadsheets
hi im looking to set up a spreadsheet of all our finances, but im clueless, im assuming you have one column for incomings and one for direct debits, then one for everyday spending?? im sorry if i sound stupid i just really want to sort our finances out, also we dont get all our income in at one time, oh gets paid monthly…
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Help needed- bank lost wages.
HELP needed. My husband pays his wages via PayPal into Nationwide. Money (over $1k) never arrived. After going and growing Paypal agreed to put trace on and we have just received transaction ID numbers so called nationwide who have paid it to wrong person's account. They say they might not be able to get it back and if…
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Credit report question
Hello I used to bank with the Halifax and had a current account with them. It's a standard current account with no monthly fee. As far as I know I have £1 in the account and therefore don't owe anything on it. I've just checked my credit report and it seems to think I've been six payments late on this account since…
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Help!please :-)
Hi, very strange thing happened today with the bank account. Oh gets paid on the 20th of every month and we have direct debits gong out on 20th. Never before has this happened, but although the wage went in today, it seems 3 dd's went out before it hit the account. On the statement it shows then dd going out, then says '…
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Stupid ISA Question
Forgive this really stupid ISA question. Lets say the ISA cash limit is £5k. Does this mean that this year I can put away £5k this year, and keep it in an ISA forever - but only that one single £5k? Next year I can keep the same ISA, or I can switch to a new provider - but I can't have both. Or does it mean I can put £5k…
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Hidden Bank Charges
I'm opening a business bank account and have been warned about hidden or unreasonable charges. Examples I've been given are charges for going over my overdraft and for making foreign payments. Are there any others I should know about?
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Reason for DD's on Santander 123 Account ?
Am I right in saying that a Santander 123 account can be operated as a fee-paying account WITHOUT the two DD's on it - the DD's only being required to be eligible for cashback? Situation is that OH has opened a 123 account to be eligible for the 123 Exclusive ISA (...also now opened) All eligible bills are paid from, and…
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How to retailers know if a bank card matches a cheque book.
Just curious. I have my personal banking and business banking with the same branch. I have a debit card with my personal bank account but nothing with my business bank account. Cheque books with both. Yesterday I wrote a cheque from the business account and without thinking passed over the cheque guarantee card for my…
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Santander took charges from pending cheque?
Hi, I deposited a cheque for £720 on Friday the 15th of march at 10am. I was told it the money would show up on my account but I would have to wait 4 days for the cheque to clear. I'm in financial difficulty at the moment, I am relying on the cheque to pay off debts and loans which I currently owe to get me back on the…
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Any Grace Period with Overdrawn Accounts
So my account has gone overdrawn, which is fair enough, but it was due to an Internal Transfer that was put into the Account by mistake and then taken out the following day - I had taken the money out the minute I saw it in my account and didn't expect the payee (my Council) to realise their mistake. Truth be told, I…
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Do NatWest text alerts cost me anything?
Pretty much as the heading I was just wondering if there are charges for these as I have a number, of alerts, setup?
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Accidental 0% Student bank overdraft 10 years after graduating
Hi. Need some advice from those in the know. I graduated around 10 years ago from a masters degree as a mature student. I had an interest free overdraft facility of £1800. When I graduated id guessed it was renamed a graduate overdraft facility. The bank didn't say how long this facility would last but I assumed maybe a…
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Best suitable Joint bank account?
Basically what the title says, me and oh are just about to move into our first place (renting) so we decided the best and suitable way to pay all bills and rent was from a joint bank account. The issue we have is what and who can offer and suit us best? We are only looking at putting around £800 into it monthly but this is…
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Creating new Natwest with ILR Biometric
Natwest Truro says they have problem making a new account for me. I took my Indefinite Leave to Remain (ILR) Biometric card with all my credentials. As a safe side I also took my Burmese passport. The Tier 1 visa in the passport is "expired" and has been "replaced" by my permanent residence (ILR) card. However, they said…
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Car insurance no claim accident
I had a small bump with an 12 year old mondeo in a car park today initially she claimed was no new damage the bumper looked like it had its fair tear of knock and bumps, although she rang me when she got home said there was a small scratch and wants to have it repaired! after speaking to people at work and being convinced…
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Direct debit from 1 bank acc to another?
Is it possible to set up a direct debit to pay into another bank account in my name E.g pay my nationwide acc from my santander acc £60 every 20th of the month. And if so would I just go into nationwide and ask for dd mandate form for them to withdraw from santander Thanks
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Halifax sign off?
Hi Just quickly double checking this is normal? There's a countdown timer to fully log out now. Thanks
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Nationwide faster payments
I have been advised just now that the above building society said there is a problem with their faster payment system now and all payments in and out are in a queue. Also they have an IT Team investigating but cannot advise when the problem will be resolved. I made a FP today at 11am and has yet not been received.
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Never mind the Chancellor, what about YOUR budget?
Hi all you good MSE folk Given that Budget 2013 is looming - and that the old red briefcase is unlikely to be bursting with goodies - we would be interested to hear about your own experiences of drawing up a household balance sheet. Where do you start with yours and what made you do it for the first time? What are the…
