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Will I be accepted for a Santander 123 Current Account?
Does anyone know how strict the criteria is for being accepted for a Santander 123 current account? I'm thinking of opening one for the cashback and credit interest, but I'm not sure if I'll be accepted. I'm concerned because a few years ago I tried to switch my account to Nationwide but they would only give me a basic…
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Thoughts on my budget
Hi all, I'm hoping to buy a house (currently living at home), and have worked out a budget for what I'd need to spend each month. Mortgage - £450 Council tax - £150 Bills - £150 Home insurance - £20 Travelcard - £140 Mobile Phone - £30 Landline - £14.50 Broadband - £7.50 TV license - £12 Sky - £31.75 Total - £1005 I would…
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Should we get a jiont account
Hi all I got married a month ago and we are looking at the pros and cons of getting a joint account. The main worry is weather or not my other half's credit history could negatively effect my credit rating. Any advise??
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Santander 123 account - personal details
Just had an email to say my account application has been approved, and card and PIN being sent out. Somewhat bizarrely, they also included the text above in the email, and request that I fill out a "Change of details" form in respect of my existing Santander account(s). The problem is that I actually don't have any…
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Co-Op Failed Transaction NOT on Statement
Hello All :) Slowly but surely discovering my wife's move from Barclays to Co-Op was the complete wrong move! She uses the Co-Op account as a bill account so she only ever transfers enough money to cover any up coming direct debits etc etc, she cancelled a direct debit to Virgin mobile for £7 a month at the end of April by…
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Debit Card not yet charged (or money held!)
Yesterday morning I used a self-service checkout and my contactless card for a small set of purchases (£7). It all seemed to work as normal, the card reader said accepted, the till went back to its start screen, told me to take the receipt and bag etc. However the receipt feeder seemed broken or jammed, I got a few…
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Online holiday fund?
Are there any uk sites that allow you to set up a joint page for friends to put money in for a holiday?
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Current account and savings advice
Hi all, It has been a while since i actually posted on this forum(please forgive meJ) I am looking for abit of advice with regards to mycurrent account and savings. I currently bank with the coop but wanting to move mysavings and possibly even my current account away from them. I have around £5.5k sat in an ISA with them…
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is my new budget doable?
Hello all I am new here and after abit of advice on if my budget is (a) possible and (b) maintainable. In our household there is me, hubby and baby ruby age 1, we manage ok each week and we make it through but I think we could do better with what we have, we just dont save since my husband was made redundant from the army…
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Nat West new Current Account charging structure
I assume people on here will already know that Nat West are introducing a new charging structure on their current accounts from July. If individuals go overdrawn on their current accounts (even if arranged) by more that £10 a £6 a month charge will be taken. Basically I see this as a move towards forcing people to pay for…
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This may be a silly question
I am looking at opening a new current account. I'm interested in the Santander 123 or the nationwide flex direct account so will be getting something back. I am aware that you need a balance of at least £1000 to get the interest and then need to pay in £500/£1000 a month (depending on account). Can this be a standing order…
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A&L/Santander
Can mods please delete this thread
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Natwest refused to even help me because I don't have 'telephone' banking
Hello, well, earlier I tried ordering a phone on the orange website, after going through filling the details in, my internet opened a new window and i was then onto the 'natwest secure' page to fill my details in again, and after 3 attempts it didn't work, and then it said 'something' about something now being 'locked'…
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Lloyds TSB Delay in showing faster payments
Perhaps I've been spoilt by First Direct, Santander and Natwest by faster payments showing immediately. Even Nationwide and Coventry BS are pretty quick. But both BOS and Lloyds TSB seem to have a delay in showing faster payments. The other week I transferred £1 as a test payment to BOS from First Direct and it showed…
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Budgeting with Overdraft
Hi All, I am trying to get myself out of large overdraft to hopefully help in regards to house purchase at some point in the future.. but I was wondering. Are you best to reduce your overdraft when you get see a little light between what you need and the overdraft max. or should you try and budget it more mentally and keep…
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[News] Questions to the Chancellor of the Exchequer, 25 June 11.30am
Note - This is an alert for upcoming business inside the Chamber of the House of Commons. It is posted here due to the diverse range of topics it covers. We encourage discussion and comments concerning the topic or content of the debate. The debate will be streamed live on Parliament.tv Player (Silverlight or Windows Media…
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Halifax Reward Account
I've read that the £5 monthly reward is a net payment. Does this mean that if you are eligible to register the account for gross interest the reward payment is £6.25 per month?
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HSBC current account charges
I've just had a 'Important - changes to your terms and conditions' pamphlet through with my latest statement. It mentions new charges from 1 SEP 2013. From reading it appears the price list will also be available from 1 SEP 2013. How can I accept the charges if i'm not sure what they are? Basically, are hsbc going to…
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Nationwide - are you supposed to get notice of any charges?
Such as the dates & amounts you will be charged? I wrote a cheque which bounced. This was April. I've just logged in to my Nationwide account (don't use it much) to notice i'm £14 in the red after a £15 charge to my account, which is related to the cheque. At no point have i ever had paperwork stating the date & amount…
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Unable to get basic bank account
Hello I have been using my partners bank account for a few years now but I now need my own account I applied for a basic bank account with lloyds, I was accepted received letter with sort code and account number, I then supplied passport etc in order to open the account and then received letter saying they were not going…
