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Halifax bank switch - question?
Hi there I am looking to the £125 switch reward from halifax, however I have a dilemma. I currently have a mortgage with the halifax which is now on a consent to let mortgage. During the CTL period I took out another mortgage, which I will declare when applying for the bank account. I was just wondering when my CTL period…
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Should I switch?
Hi everyone I've decided after 15 years of current account loyalty to the Nationwide it may be time to look at switching to another provider. So why do I feel anxious about doing this? I'd welcome some reassurance that I'm doing the right thing! My husband and I have 2 current accounts with the Nationwide - one which our…
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Offline card?
Can someone please explain what an offline card is? I thought offline cards were those with embossed letters/numbers, so that they could be used with the old fashioned pull over machines which traced the card details, have not seen one for years though. However I have been told my card is not offline, and can only be used…
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Natwest has taken my debits out 2 days early
I get paid on the night of the 28th of each month by standing order and have set up all of my debits & standing orders to go out on the first working day of every month. Natwest has decided to take them overnight last night (27th February), leaving me £950 overdrawn, although I do t have an overdraft facility. Apparently…
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Santander Graduate account
I graduated in summer 2014 with an interest free overdraft of £1500 on my student account which was fully used, I rang Santander to find out about graduate accounts back then and they told me that my account would automatically change to a graduate account. It didn't actually change to a graduate account it remained a 123…
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Anybody had success opening a HSBC Advance account on below min salary requirement?
Obvs I can meet the min payment through standing orders I don't want to falsify my contract salary however, even though I earnt above the min last year, would showing them a payslip in the branch suffice? Ps reason for opening account is this…
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Halifax/Lloyds/TSB - Monthly deadlines?
I get paid on the 25th of each month, I did my transfers this morning completely forgetting this month only has 28 days. I see my transfers are now dated 2nd March - does this mean I'll be classified as not having deposited in February? Normally a Saturday appears to count as part of the month but now it seems not?…
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Short term high interest bank account after house sale?
I am selling a flat and buying another (not yet found) within the next 3-6 month for my elderly mother. I need to put a substantial amount of sale money into a high interest account for a short time. Where can I put it without incurring entry fees or removal penalties at the highest interest?
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Nationwide international swift payment
Hi all, Nationwide mention both their unconnected BIC and HSBC's intermediary BIC in their instructions to receiving swift payments. Is it possible to just quote HSBC's intermediary BIC (midlgb22) and not quote nationwide's unconnected BIC at all when making an international transfer to a nationwide account? Will HSBC…
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Bank accounts for teenagers
Hi there. Looking for some recommendations, please. I have two daughters whose grandfather passed away recently. He left them each £500. My wife and I have been speaking, and the plan is for them to save £400 of it (but for the money to be accessible if needs be), and the other £100 they can spend now on whatever they want…
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Charged twice in Barcelona
Hi all, Went to Barcelona on Tuesday for a mini break. Went to a Tabac and bought 800 cigarettes. Paid by card and was prompted to enter pin by the terminal, entered pin and was then asked Euros or Sterling. Pressed 1 for Euro and the shop assistant said something was wrong. Shop assistant then sets up the terminal again…
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YNAB vs. free budgeting software?
Hey guys. A while ago I tried a free trial of YNAB, but decided not to pay to continue using it. It seems very popular and is used more than other budgeting apps. What I can't seem to figure out is why it is preferable to free budgeting apps and software? I feel like I'm missing something :embarasse
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TSB Cash Account and PayPal withdrawals
I've just read about TSB blocking an account due to PayPal payments. My account is reasonably new (about a month and a half old) and I have a reasonable sum pending in my PayPal (new PayPal account and new EBay account so payments are being held for x amount of time) due to five sales I've made. Now I'm worried the account…
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best account for short term saviñg
OK so I have 2 TSB accounts maxed out, my nationwide flex plus is out of its 12 month in5erest offer and I'm looking for the best place to stash my spending money for my holiday in September. I have my £1500 ready to go but I want an account that doesn't need money shuffling in and out each month especially as come…
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Tesco bank phishing
Posted elsewhere but worth repeating here that there is a very authentic looking phishing email advising changes in interest rate going around.
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Switching Bank Accs - how often?
Hello All, My husband and I are looking into switching our bank account - mostly for the cash! We currently have an individual account and a joint account with HSBC - so 3 accounts to switch in total. I've read a lot of information on here about switching but I just wondered how frequently you can switch from banks, to…
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Fully optimised? Feeling the loss.
I think I might have fully optimised my & partner's finances. It's been a long haul over the past 6 months, but also really fun! I'm quite sad now my 'hobby' appears to be finishing. Anyone spot anything I've missed? Me: non taxpayer. My partner: basic rate taxpayer. Regular savers: FD x2, HSBC advance x2, M&S x2, Club…
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Bank of Scotland Ultimate Reward Account
We have banked with BOS since October 2010, we initially banked with the Clydesdale however had visited a BOS branch to see a mortgage advisor, when we accepted the mortgage we were told we could only get it if we took their Ultimate Reward Current Account so we signed up for the account that same day and initially paid…
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Downgrading a Lloyds Platinum Account : A Lesson in how to patronise customers
So I want to downgrade a Platinum account cos I don't need travel insurance etc etc, but I want to keep the account active as it has direct debits coming out of it. It's a joint account. I am told it is impossible to do this without my wife and I going in to the branch and watching a video. I am not joking!! I can however…
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HSBC Advance Accout Opening Problems
I rang HSBC over a week ago to open a HSBC Advance accout. All approved online and verified. Was told I didn't need to go into Branch as the ID etc had been verfied during the application process. I was told some paperwork would come out to sign and send back for the account to be opened. On Monday a Welcome pack arraived…
