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M&S current account - switch incentive now increased - £125 gift card
M&S Bank fee free current account now offering a £125 gift card for using their switch service. Offer valid until 31st October 2014. T&Cs here: https://online.email.hsbc.co.uk/mandsBank/msmexclusive/
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Help closing my halifax reward account
I have a halifax reward account with an overdraft and it's costing me a fortune every month in bank charges, I can't afford to keep up with them as they charge me £5 a day as I'm going over because the charges are making me go over. How do I freeze my account and close it ?
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Waiting to hear from First Direct...
I applied for a First Direct current account last week and I was told that they would consider my application further, then get back to me. It's been almost 7 days, but I still haven't heard from them. Anyone know if this is normal? Should I try applying again? I don't have a reference number in my emails or anything.
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Batch overdraft charges
Hi all My bank today decided to charge me 5 overdraft fees in one go covering November last year to July this year. There is nothing in my terms and conditions stating they will or won't do this. I am not disputing the charges because they are correct but I do think it is unfair they have decided to do it all in one go.…
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10 minutes on hold at smile
Smile managed to lock my card in July and it won't unlock at a co-op machine (even though that what they told my to do). Gave up after 10 minutes on hold which was after going around their silly phone menu system. So glad I open a first direct account a few years ago.
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Closing Barclays Bank Account
Can anyone just give me a quick bit of advice... I've printed off the account closure instruction form, do I need to put a covering note in with it or can I just pop the debit card and form in? I've got a balance I want to transfer as soon as possible (long story, they keep blocking my card atm and said I need to go to the…
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1st Direct - switch
Hi, what happens to saving accounts when you switch your current account? For example I have a regular saver with HSBC, what will happen to it? Also I am trying to apply for an account but i get "Thank you for completing your application. Unfortunately we are unable to offer you an account at this time. You will receive…
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Bankers Draft in Euros - best way to convert to £££'s??
We are in the process of selling a property in Spain for which we will be paid in the form of a Bankers Draft in euros. What is the most economical way for us to pay it into a UK sterling account? We've already explored options such as Moneycorps, HiFX etc and although they seem to be very efficient at the UK end they are…
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Halifax £100 Current Account Switch
Hi, I am considering switching from my Natwest Account to a Halifax Current account as it is offering a £100 reward for the switch, and then £5 a month for every month that you pay in +£750 and pay out two direct debits. I have never done this before. I have been with Natwest for some time. I was wondering if there is any…
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Yorkshire Bank (processing payments issues)
According to their website their having issues processing overnight payments what are due in/out of their accounts.
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BACS - Help!
Hi, I was looking for some advice/reassurance really, not being that good with money matters. My brother died earlier this year and as he was part of a pension/insurance scheme at work, his employers are paying me the insurance money. I've sent bank details, but nothing seemed to be happening so I rang his employers last…
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Current a/c game...
So I'm new to all of this great current account playing... I have been with First Direct for nearly 20 years, very happy to carry on with them, but I'm wanting to make best use of some of the other offers around at the moment. I have £1000 savings in an Isa. I've just been accepted for a TSB Classic Plus a/c - I'll put the…
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Banks fees: extortionate EAR interest rate?
Banks such as Barclays are moving away from charging an EAR Effect Annual interest Rate. eg. 19.3% and, charging a fee. See their "Changes to overdrafts and ways to avoid fees". I'd like to calculate the equivalent EAR. So if I go overdrawn by £20 for one day, and have to pay their 75p fee, what is the equivalent interest…
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A crazy glitch at Natwest with cash deposit.
I have just been asked to help resolve this strange problem, so I want to warn other people about a crazy and unfair glitch as Natwest that may cost you charges and spoilt credit rating. The guy went to Natwest branch that was open until 6pm. He made 3 cash deposits at 5.05 pm at the counter, totalling, say, £3000.…
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Board & Lodging Rate - Teenage Offspring
My teenage daughter has decided to not return to school to complete her A levels. She is instead working full time in a restaurant. I think now is the time to start charging her board and lodging. Please can anyone advise how much I should charge?
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Terrified, please help.
Hi, I hope someone can advise me as I've gotten myself into a real mess and am not sleeping. I live overseas and have done for 3 years. I have a uk bank account (HSBC current account) which I left open in the UK. It received my last pay check before I relocated which was left to see out the remainder of my phone contract.…
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Budgeting in Uni
Hi, I am starting Uni soon and would like some money saving tips and hints. Any help would be appreciated Cheers Mary
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Postgraduate student bank accounts - Options
Hi All, Can anybody offer any advice on postgraduate student bank accounts? The guide on MSE only covers undergrads I did my undergraduate 2 years ago and had an RBS student account which has now upgraded to a graduate account (still have the large overdraft facilities but they would charge me interest if i went into it).…
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Bank account for a 16 year old
My son is about to start 6th form. I want to open a bank account for him so that I can transfer his bus money and dinner money into it so he can withdraw it as needed. I've had my bank account for years so not sure what bank I should try for him. I bank with First Direct, but I think he likes the idea of visiting a branch…
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Slow faster payment Halifax -> Smile
Done my usual first-of-the-month transfer of £1000 from smile to Halifax current accounts and back. Money hasn't arrived back in my smile account yet. Are there any known issues or has anyone else had this problem today before I use a substantial portion of my work day trying to contact them?
