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A bank account that can't go overdrawn
Hello, Me and the wife have an RBS basic account that is joint, which we use for spending during the month. The joy of this is that it will not let us go overdrawn, if there's no money in the account it rejects the transaction, which is what we want. We need to open another one of these, because of our new budgeting…
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Bank or Building Society?
Hi, I'm interested to switch to a different bank or building society. I've got Barclays i'm looking for an account with free costs and if its possible with not charge you for not paying bills like Barclays charges 8 pounds. Thanks, Javier.
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Clydesdale Bank Application
I like the sound of the new Clydesdale Direct current account. I applied online, but only basic details are asked for and you have to choose the time of day for a call-back. Anyone know how long they take to get back to you? I'm resident in England but chose Clydesdale rather than Yorkshire because, strangely, of the two…
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Co-op alternative
So, now the slimy hedge fund managers have got their hands on my bank and it's ethical credentials go down the toilet, who can I switch to? I'm at a bit of a loss as I use my three local post offices for paying in cash and the like, and yet none of the other ethical banks offer this service nor offer me a local branch so…
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Bank Service
Marketing material says "we care, service is everything to us". Staff say "it is against the rules to help you". I asked my Haslemere based "personal HSBC Premier account manager" this afternoon if he would copy my passport and certify it and he asked if it was it to purchase an HSBC product. "No" I said. "No" he said. I…
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Bank accounts for 17 year olds
My son is 17 years old and in 6th form. He has recently got a job earning £150 a month. Is there a suitable bank account out there for him. He would eventually like to go to Uni and possibly do some traveling. Thanks for any help.
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Nationwide close bank accoutns withiout warning
Nationwide claimed there was potentially fraudulent activity on my credit card but refused to give any details of what this might be, They authorized and then a few days later cancelled approved transactions, leaving me and businesses in debt, Now they have cancelled my bank account without warning (I found out when I…
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Banks & Internal Credit Scores
Hey there! Just a quick question - Ignoring a general credit rating (which doesn't apply to people like me who are 'offshore') how does one build up a great internal credit rating? Obviously, there's the normal things like avoiding bounced DD's, Un-authed OD's etc but what can be done to build a positive score?
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Balance and available balance
The last month or two I frequently find my available balance is lower than my actual balance by weird amounts like £1.58. It's not a pending debit (this month I have solely withdrawn cash, no debit payments (well I have my usual DDs too)), nor the usual £1 that Pay at Pump takes (again, not used it). So I'm at a loss as to…
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DD - cancel then reinstate problems
Hi, Would appreciate some advice: * In May, I cancelled (online) my Nationwide mortgage payment DD on my First Direct current a/c and moved it to Halifax (for £100 bribe) * A month later, I asked Nationwide to move it back to First Direct, but the funds never come out, and despite Nationwide telling me the DD is set up,…
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MSE News: Seven-day switching, one month on: Q&A
"Seven-day bank switching is fulfilling its promise a month on from its launch, according to those who've tried it..." Read the full story: Seven-day switching, one month on: Q&A Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro…
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MSE News: Seven-day switching: Does it work? We put it to the test
"How has the new current account switching scheme fared? MoneySavingExpert.com put it to the test ..." Read the full story: Seven-day switching: Does it work? We put it to the test Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum?…
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Here's hoping ...
I'm on a pension with an annuity which is separate from my state pension and pension credit. I have credit cards and a store card. I'm currently overdrawn by £1600 (700 unarranged) and of course the fees are racking up. I've made an appointment to see someone at the bank tomorrow (it's the Halifax) to see whether I can get…
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Graduate to Current Account
Can anyone help me? I currently have a Natwest Graduate account with an overdraft of approx £1500. As of the 17th December I am being switched to a standard current account which wants to charge me 18% interest on said overdraft and £6 a month for the pleasure! I went in to branch to ask about whether they could help me…
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question Barclays account holders
Do you have anything showing in the Products - View pre-selected offers area? It used to show £15-20K for barclayloans and around £1K for overdraft, but it now says this: "There are no pre-selected offers available to you based on the information we have." Is this an effect of recent credit applications elsewhere - my…
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store taken money twice
I spent £49 in a supermarket yesterday using my debit card. Today my bank has taken that money, and it has appeared on my statement, however there is also an amount pending to come out of the same £49, effectively reducing my available balance to £6. I cannot spend the money without going overdrawn, does anyone know my…
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Two 123 accounts?
Hi, I've had some really good help from you guys on here earlier this year so I'm hoping for some more good advice, please. Thanks in advance. I opened a Santander 123 account recently and it all went smoothly. I put 20k in and transferred my DDs. The first month I received (after tax) about £32 interest. Question 1 - Do…
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Joint Account - Affect on Credit Rating?
Evening all, I'm due to start renting a place with 3 close friends next month; I need some clarification on how my credit rating will be affected if we open a joint bank account to pay rent / bills. I’m not worried about getting into debt on the joint account itself, I’m fairly well off in comparison and could top up the…
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Bank Of Scotland and Haliax (Having to switch accounts?)
Hey all, I'm just really curious about this one. The TSB split from lloyds got me thinking. I've been told fairly recently I must switch my Halifax accounts to the Bank of Scotland (I'm in Scotland) and a new Halifax Branch will open in Glasgow City Center. I've been searching for some details about an re-organisation or…
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Returned DD
First post.. Weird thing has happened today went to check my account online (Halifax) and O2 had taken the DD which was expected but logged back in this evening to discover it had been returned, I know that when it's returned it's usually due to insufficient funds but there was more than enough to cover the bill. Will i be…
