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Cant stop spending...
Morning everyone I have to admit, I'm a shopaholic but yet I don't own designer shoes, handbags or clothes, in fact I hardly have any of these!! I just can't stop spending money, the minute I get paid or get some money my mind says its OK to treat myself and my boyfriend and I have no willpower to stop. This has resulted…
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Overdraft help
My wife currently has £1000 overdraft and I have a £500 overdraft. We basically live in our overdrafts but don't go over them. So when paid I go into credit for about half the month then slip down to my limit. My wife the same however she's in her overdraft about 75% of the time or more. We are about to get a big mortgage…
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Halifax reward and Direct Debits...
I'm just wondering if anyone can help me with a quick question, I've contemplated switching to Halifax for some time, the £100 switching bonus and free £5 seems pretty good to me.... :) The last time I looked into it I didn't bother because the lack of direct debits meant I wouldn't benefit from the free £5 anyway(The…
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switch from lloyds to santander
Hi, My mother has had a letter from Santander saying that after requesting a list of the payments in the old account, Lloyds have refused to provide it. The reason is that the account holder on the new account does not match the account older on the old account. The old account has my father as joint account holder. Do I…
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Halifax online banking
Over the last few years I have had a few online saving accounts with Halifax but as they do the bonus thing whereby they pay a bonus for a year then the rate goes down to 0.1 % so I now have about 4 accounts with a nil balance.Is there a way to delete these accounts online or hide them at least so they dont appear in "my…
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Drip-Feeding?
I currently have two NW Flexdirects and one FD First Account. Until I opened the First Account, I was unaware that FD offer a 6% regular saver. I'm now thinking that I should take advantage of this and keep my First Account open. My problem is that I'm unlikely to have enough of an income to use my second FlexDirect AND…
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First Direct Plus and TSB
Hi, Does anyone else use the First Direct Plus to manage their bank account and also have a TSB account formerly Lloyds? I have been using this for years and now that my Lloyds accounts have moved to TSB I cannot access the TSB accounts through First Direct Plus as they are not on the list of organisations. Obviously I am…
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Nationwide Online Banking
Thought I should post this which is showing on Nationwide Website Online Bank We are making improvements to your online and mobile banking from 23:00 on Saturday 12 October until 12:00 noon on Sunday 13 October. You may not be able to view your Current Account(s) at this time. We apologise for any inconvenience this causes…
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Opening additional Flexdirect accounts
I have two flexdirect accounts, both paying 5% interest:beer:. Three weeks ago I applied for an additional account;) through the links on my account. It said I was successful but additional checks had to be made. Since then I have heard nothing. A few days ago I decided to try again and got the same response. I was…
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First Direct bonus question
Hi all, just a quick question. I signed up for a FD bank account on 30th september which at this point offered a £125 bonus for signing up. I got all the information in the post and called up to activate a day or two later. I was informed that whilst everything had been activated, I couldn't complete the switching process…
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Getting a house, need new joint account
Hi there Me and my partner are getting the keys end of November for our new house (mortgage) and we have decided to get a joint account for all ins and outs. We currently have separate accounts. What is the best and easiest way of doing this? Any accounts people can recommend? First time buyers here and first time having…
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Bank 7 day switch "guarantee"
As one of the Lloyds' customers who was dumped into TSB, I decided to switch my account and to take advantage of the 7 day guarantee. It was all supposed to go through yesterday but at the eleventh hour Lloyds bank blocked it and it all has to start all over again now. Apparently Lloyds and Santander have a computer…
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How best to pay for kitchen that gives us piece of mind
Hi, We are buying a kitchen and the company is asking for the full payment upfront before they even start work. They don't offer a pay 50% now and then 50% on completion option, so we have two options: Pay the total on a credit card Take their 0% Buy now pay later 12 month We have the cash available for the kitchen, but…
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Just switched to Halifax
Hey folks, I've had a basic Barclays bank account for a while now and I noticed an offer with Halifax, whereby you switch to them and providing your income, ingoings and outgoings go into this new account, you get £100. Has anyone on here just done this? In all honesty I didn't expect to be accepted with a poor credit…
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First Direct no longer giving freepost envelopes
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Moneydance software
I'm very new to this and trying to see if it is a good alternative to M Money. I downloaded a qif file from a bank and again a few days later for newer transactions. I was disappointed to find that copies of previous transactions were included that had to be deleted manually. Is there a way to stop copies-or at least get…
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HMRC cheque bank fraud?
I got a cheque from HMRC with tax return to be paid to Account payee only which means it should be paid to my account. I used my bank giro form from chequebook (with printed my name, sort code and account number of my bank) and have written the amount of money from the HMRC cheque by hand. Then I passed it all to my…
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Q on debit card payments and when they go out
Hi,can anyone help please,i am on a tight budget so check my online account daily,but seem to be having problems with debit card payments. i know what is due and check and sometimes need to put some extra cash in or transfer some from savings when there is any there! but recently i check my account,i did this morning at…
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Sharing: What a difference a few years make....
Hi all, Thought I'd share my experience of opening new accounts at banks where I'd closed them down previously Lloyds (Was Lloyds TSB when first opened) Ran 1st account from 2008 - 2011. Paid salary in, no bounced DD's etc. Had retched CPD marker that was on everything so no OD etc. Couldn't even get a chequebook. Was…
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Paying into a Lloyds bank account
Hi, My local Lloyds branch is closed, and other branches are miles away. I know I can use a prefilled bank giro credit slip to pay money into my account via the Post Office but the money doesn't show up in my bank account right away. So I'm wondering if it's possible to go into HSBC or Natwest and use the BGC slip to pay…
