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Advice wanted to get the best out of my money
Hello! I have been saving up to pay off my student overdraft off and this Friday 26th is the big day!!! I am looking to switch banks as I am currently with Lloyds Bank and do not believe it is the bank for me. Doing a bit of research and based on my pay of £240 a week I have narrowed it down to Halifax or First Direct. Not…
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I've got a Blue Natwest Visa Debit card
I've got a blue Natwest Visa Debit Card which isn't contactless I thought Natwest did contactless. Why have i got this?
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Someone trying to access my BOS online account?
So I tried to login to my Bank of Scotland bank account online about a week ago and got a warning that I needed to change my password/memorable information. No explanation, but it wouldn't let me login without changing them so I did. Today, I come home to a letter from BOS basically telling me to change my online…
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MSE News: Is bank charges reclaiming back? Martin Lewis thinks it could be
MoneySavingExpert.com creator Martin Lewis says a new court ruling has a chance of reopening the floodgates... Read the full story: Is bank charges reclaiming back? Martin Lewis thinks it could be 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…
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Switching a business account to a current account
Hi have a small buy to let portfolio which I run for ten years through a HSBC business account and they have started to charge for the account around £7 per month. I do not require a business account just an account for the properties and I was thinking about getting a current account with interest added as a bonus . I…
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Accounts to switch from to get the incentives
As an avid reader on here, I finally a few months ago started trying to get the best out of my money. My next stage is on the verge of starting. I have set up a coupke of accounts and closed them to get rewards, but I have some way to go. my question is what other accounts can I use to switch from? For example I don't…
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Best place to save £8k
Ive currently got some savings sat in a 0% current account. This money is to overpay on my mortgage at the maximum of £500 pm. Obviously it would serve me better to be earning atleast a bit of interest. I will be maxing out my ISA this year anyway so this would rule out putting it into an ISA i guess? I also don't really…
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I am a 41 year-old single Dad who is broke...help!
Hi... I am a single (divorced dad) with one child. I live paycheck to paycheck and have virtually nothing in savings or retirement. Basically, I am screwed. I take home (after taxes) $36,140, which is roughly $2780/month. I need advice on how to save...because I am ALWAYS broke. Here are my monthly bills: $950 rent $440…
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Natwest Account Opening Problem and Processing Team not based in Uk !
I have been getting the run-around from NatWest, Opened a Credit Card with them Online no problem with £5700 limit, card arrived with a week, opened a Savings account with them online, again no problems all opened within a week. So thought well may as well have my Current account them, so applied online - Big Mistake!, got…
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Morrisons taking time to clear account?
Does anyone ever have this problem? I normally pay with cash so never notice, but yesterday I paid at the pump, spent £20 to fill my tank and it hasn't gone off my available balance like I would expect, although I get this issue with Tesco all the time. I do have a pending transaction on my account but that's only for £1…
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Woolwich Prime Account
Hi I recently found a Woolwich Prime Gold Account book which I set up when my son was born, we have since moved a couple of times and completely forgot about the account. Just wondering if anyone knows how or if a we are able to track the account and where to start? Many thanks in advance for any help.
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re-lloyds club dd's
Hi Guys, just upgraded 1 of my Vantage to Club, online ok. Set up 1 DD to my Tesco I saver A/c.ok tried to set up 2nd DD using my Wifes Tesco I saver, said, wait 5 working days, to check it out? Is this normal, can I use Wifes Tesco A/c as 2nd DD ?. If not, I don't have a spare one, unless TV licence can be paid 12…
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HSBC current account. Confused about eligibility
Hi, I want to open a current account with HSBC. I've chosen what I think is the vanilla current account. The eligibility requirements state They said they'll change it to a current account but isn't it a current account already? I was also surprised to see the £500/month requirement for a plain current account. I'm used to…
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Bank account with no ID??
Hi All My son is trying to open a basic bank account so that he can manage his monthly allowance (from me) and pay in money he is due to get for his upcoming birthday. Unfortunately he does not have any of the forms of ID they are asking for. He has no interest in driving so no license, we do not travel so no passport, he…
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Bank account without full credit check to use for switching
I currently hold accounts with TSB, HSBC, Halifax and Nationwide. I'm looking to open one more account so that I can use the switch service to Co-Op and then First Direct (and stay with first direct for the 6% regular saver). Are there any current accounts I can open that won't require a hard credit search, either with my…
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"Impossible" to release bank account details to Experian
Dear MSE Forum Can anyone out there help? Recently I applied for a Buy-to-Let mortgage with The Mortgage Works. I own a mortgage-free property in Brighton that is valued at £375,000 and the IFA had lead me to believe that, given my circumstances, the application was a formality. Within the week I heard that I had been…
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Is £300p/m a realistic budget?
Hi folks, I'm new to the forum to please be kind! :j Recently started budgeting (about 30 years too late!), and trying to stick to £300 per month to cover food/ toiletries/ going out/ petrol etc, but I'm just not sure if that is realistic? It's just me and OH, and have separate finances apart from rent/ bills etc. I didn't…
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Lloyds bank and FSCS
Hi guys, I have accounts with Lloyds, Bank of Scotland and TSB. I thought these banks were all 'linked', and so came under the same FSCS. I used the tool at the bottom of this page: http://www.moneysavingexpert.com/savings/safe-savings and it looks like they are not linked. I guess Im just looking for confirmation that…
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looking for a high interest bank account
Currently have £15,000 in a Halifax ISA which is getting 0.25% interest. Was considering changing to another ISA but it seems bank accounts can give a lot higher interest these days. My current account is now a Halifax Reawrd one. Which ones should I look at?
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Student bank account - should I ditch my old one?
Hi all, I'm about to begin a 4yr degree course and want to apply for the Santander student account, which offers a free railcard. I have been with my current bank for over 12yrs and want to know the pros/cons (if any) of keeping this account open? Will it help with credit checks, for example? Or will I gain nothing from…
