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Advice on ISAs, credit cards etc etc.
Hi all, Need some advice re: the above. I've just started my first job out of uni. 2 queries - what to do with savings, and how to do day-to-day transactions. I currently have a Natwest Graduate account, which gives me a £2k interest free overdraft for 1 year, and £1k for the second year. 1. I have to pay my parents back…
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Santander have nothing to say to me
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PayPal Conversion Rates
I'm making a payment for goods via PayPal of roughly $309 (from GBP to USD), PayPal offer this conversion rate; Conversion rate: 1 GBP = 1.5877 USD There's an option to "Convert with card issuer", I've read using this option saves money provided you know your banks exchange rates etc. My problem being I don't nor do I know…
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Help on a monthly budget to stay on track
Hi All! I am new to all this although I have been watching on the sidelines for a while but thought I would start posting! :j We are in the process of remortgaging (have had the offer letter and passed everything back to the solicitor) so shall be able to clear our debts for the first time ever! :beer: I am trying to set a…
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Can you live off of the minimum wage?
Hi, sorry if I've posted this in the wrong place, I'm new to this site. I am currently a student and currently have a job in my local wetherspoons (just started) they said if I can prove myself, they do hire full time after finishing uni, that's what most people there have done. As it is not in the village where I live, I…
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Strange transaction
There is a debit for £1 on my nationwide flexaccount with the description 'branch or cash machine withdrawal'. Has anyone seen this before? Obviously I haven't made such a small withdrawal this way
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Money Paid To Wrong Account - Help!
Hi All. We have a historical customer who we hadn't done any business with for a couple of years but their banking details are all set up on online banking. We made a payment to this account but they say they haven't received it and we have found out they are with the same bank but different bank account. The payment…
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just opened 2 nationwide accounts
I have a quick question guys. I have just opened a nationwide flex direct account for myself and my wife to take advantage of the 5% interest offer. I am waiting on the paperwork coming out to sign and once it is opened there will be £2500 going into each account straight away. I was planning on doing a bank transfer from…
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What should I do: unwanted brand new current account
Just applied for a Santander 123 current account, in preparation for buying a house next year and using it to pay possibly a mortgage and probably household bills. While the documents were coming through, I've realised that in the mean time, its only fractionally less profitable for me to stash my savings in my NISA, and a…
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Part Time Student Bank Account
Hi All I can't seem to find another post about this. I'm trying to see if I can get a student bank account as a mature part time undergrad student but can't seem to find any info directly related to this. I have called my current account provider (Santander) & they've said I'd be eligible if I were full time. Oh so…
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£80 cashback to open Flexplus
Has anyone seen the Quidco £80 cashback offer to open a nationwide FlexPlus account? By the looks of things you could open it and then convert it to a flexdirect account.
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3% on Tesco bank & TSB?
Hello everyone, Really quick and easy... If i sign up for the Tesco bank current account to get the 3% on balances. Can i transfer in £750 from my FD account then withdraw it straight away so i can get this rate & not pay the £5 per month?? Can this also been done with TSB? Both these rates are better than my ISA even with…
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sorting out finances
OK here goes I have below debt to sort out: 1. Halifax OD at £2499/- (control till jan 2015) after il get hit with interest rate 2. Barclaycard initial at 1000/- (limit 1200) getting hit with 34.9% interest 3. Luma card at £950 (limit 1000) interest will start from next month 34.9% my salary goes in Barclay CA and after…
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moving overdraft.
So I've opened an account with nationwide as they have a 0% interest on overdrafts ATM. We currently have an od with yorkshire. I'm thinking once the nationwide account is open, to transfer my od across to nationwide and then make 5x£100 payments to it until its paid, does this sound OK?
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Halifax Rewards Current Account - Switching
I was going to take advantage of the switch offer to Halifax's Rewards current accounts from an unused HSBC account, I'm just curious about a couple of points: 1. Can you use dud DD's to qualify for the £5, or do they actually have to pay out? (E.g. PayPal etc) 2. To get the £100 switch bonus, am I right in thinking the…
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re-tesco current a/c
hi guys, I have a tesco saving a/c and 3 lloyds vantage, which I emptied, but left £1 in. can I swictch 1 of lloyds to tesco, taking advantage of £100 switch,and 3k @ 3 per cent; and pay in the £705 from my tesco savings a/c and back. how many tesco current a/c's can one hold, and switch? no dd's required are there.?
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Receiving money from abroad
Hi everybody, I would be really grateful for some advice. I left my Husband 10 years ago and he kept the property we owned together in Germany. He has now just remarried and wants to pay me some of the properties value to have my name taken of the deeds. He can only afford to give me a smaller amount that is owed , but I…
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Relationship Manager - what does he/she do?
Do you have a relationship manager? What does he/she do?
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Unexpected money in account - anyone able to help me understand code?
Hi! I've had £280 appear in an account I hardly use with Halifax. I rang them up, and they can't tell me where it came from. I have just started a mortgage, rang them up, and it's nothing to do with them. I have emailed round solicitors and mortgage broker in case it's from them, but am not expecting anything . . . The…
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Lloyds closed my bank account before paying the debt off
So I switched my graduate account to Santander from Lloyds. It has possibly been the most painful thing I've done. I had originally a £1750 overdraft with lloyds, which I used every penny of. Santander have only given me a £1000 overdraft. Lloyds have now closed my account, without given me a chance to try sort things out…
