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halifax reward overdraft buffer
I have the Reward account with no planned overdraft - so my OD limit is £0. However, I noticed that there's a £50 overdraft buffer that comes with the account, can I benefit from that - just in case I ever need it? This is what their website says: £50 overdraft buffer If you are overdrawn by £50 or less our overdraft…
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CHAPS payment, how long in terms typically?
I'm due a payment via CHAPS tomorrow from Barclays to HSBC. I know it is a same-day service providing placed by around 2pm, but any ideas how long it takes to clear at the other end, is it instant these days or will it take a few hours? Anyone done it recently, all references to this online seem to be from years ago so…
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Halifax £100 to switch delay
I signed up for the Halifax £100 switch when it was mentioned in the weekly email Martin sends out about 3 or 4 weeks ago. I signed up, got accepted and received my card and pin through the post within about a week. They had to send a separate code through to access online or phone banking, which turned up this weekend. I…
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Post Office basic bank account
A new employee has a basic PO bank account, previously opened for him by the JobCentre for paying in his dole cheques. I don't know what the proper name for this kind of account is. It has a sort code and account number, but apparently won't allow payments in. When I try to run the monthly salary transfers, his gets…
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Cheque to be paid in but how long before we can spend that money?
We are due to get a cheque (around £2,000) from Prudential Insurance Company in our hands today & so will getting it in into the bank immediately. But how long before we can start spending some of the money a few hundreds say?
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Help Halifax returning payments
My daughter has just phoned me in a state of panic. Checking her account online she sees the Halifax paid her rent as normal but then its been credited back to her account with code FPI next to it. Her account is in credit and no reason for the payment not to be made. Checked my account and can see a payment I made using…
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Natwest helps customers remind friends and family about unpaid IOUs
http://www.finextra.com/News/FullStory.aspx?newsitemid=24863:
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Debit card in washing machine - oops!
I have just washed my OHs debit card at 40 degrees - oops, it looks fine, and very clean! Do I need to tell him to call the bank for a new one or will it be OK?
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Paying off overdraft
I got an overdraft with HSBC as a student which ended up being £1500. Since graduating I've lived in it perpetually. Over the past year I've got into an awful habit of going over the limit. It's become a bit of a vicious cycle as money I pay in overdraft charges often mean that I end up going over the limit again the next…
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Nationwide FlexPlus current account question
Hi there, first post here, but was reading the forum for quite a long time :) Ok, so I have opened Nationwide FlexPlus current account at £10 p/m and received my card yesterday. Strange thing is that the validity of the debit card is 5 years instead of the common 3 years term. I searched all over Nationwide FAQ's but can't…
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Do First Direct Allow You to Create Direct Debits?
Do First Direct allow you to create direct debits? Or is it Standing Order only?
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Halifax/Lloyds/Bank of Scotland
recently opened 3 x Lloyds vantage + 3 x B of S Vantage. Registered for Internet banking with Lloyds and B of S, but have justed used my old Halifax logon details and they work with B ofS. Shouldn't they also work for Lloyds ? (Theyare all part of the same set up aren't they ?)
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Bank of Scotland Classic Account
I opened a Bank of Scotland Classic Account and turned it into a Vantage account. Now I want to open two more when I log into my account and click open an account it states in the conditions that to apply I do not have a current account with them. Tried ringing them no joy put through to online help desk told to ignore the…
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Opening a business account
I have a several business accounts with Barclays. For a number of reasons I have applied to open a business account with HSBC. They tell me unless I move all my business banking to HSBC they won't let me open an account. They say all the banks do not do 'dual banking'! Is this correct? Can they do this? I don't want any…
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Over payment
Hi Not sure if any body can help? If you've been made an over payment by a bank how long do they have to claim it back? Many thanks
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Co-Op Bank - Should we be concerned?
I switched to the Co-op about a year ago - service has been very good, but I am wondering if they are in serious trouble, and would appreciate some informed views. Lloyds sale cancelled CE resigns/leave Selling off arms of business left right and centre What do we think? Stuart :)
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Different addresses on bank accounts
A family member has opened a bank account for my son using their address rather than ours (we gave them a copy of his birth certificate as a gift when he was born, and they used this for ID). As my son also has an account at our address, I am concerned that he might have financial problems in future due to having accounts…
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Faster Payments - is it really five years already?
According to these people, 'yes', Faster Payments arrived on 28th May 2008. (I'd say that '1st January 2012' was a more appropriate anniversary however)
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Can you link 2 Santander 123 accounts?
Does anyone know if it is possible to link 2 Santander 123 accounts (1 in joint names, 1 in my name) so that I can transfer money between the 2 accounts at the ATM? I asked in branch nearly 2 weeks ago and am still waiting for someone to ring me back. I will go into the branch later this week but don't hold out much hope…
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Iphone Budgeting Tool
hey, just wondered if anyone had any recomendations for a budgeting tool on the iphone? I want to have a tighter grip on what i spend and as the phone is always with me its going to be handy to manage it all on there thanks H
