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Business or Personal Account?
My son is setting up his own (small) business and there is conflicting advice re opening a business account. Some on offer have 18months free fees so there is time open one and think about it. It appears to me it is not mandatory to open a business account - what is the best option or is not that easy to decide?
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Active Direct Debit?
Quick question... What's the difference between a Direct Debt and an Active Direct Debit? Anyone know if paypal qualifies as an Active Direct Debit?
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Santander Current Account v ISA
Good evening, I am weighing up what it the best option for our savings. We currently have a little over £7,000 saved so far this year and wondered whether we put it in a Santander current account or an easy access ISA? We can put it in my name as I currently do not work so I don't pay any tax if that is a factor. Also we…
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Direct debits 123 account
Please can you tell me if I will still recieve my interest this month on my Santander 123 account!, I think I did a silly thing by paying my telephone bill with talktalk to save myself a few quid on the 10%early payment scheme , therefore talktalk will not now draw the d/d this month , as it's already been paid. Or does…
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SIRA / Experian DA
Has anyone any knowledge of Synectics Solutions and specifically National SIRA? I'm aware it's to do with screening application data for inconsistencies. Does anyone know how long information remains with Synectics Solutions/SIRA? Also, to subject access request Experian Decision Analytics is the fee £2 or £10 as I know it…
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does this make sense
I'm hoping somebody can clarify something for me as I can't get my head round it to explain to the Mrs properly........even though I don't think it's that difficult to work out. I have a phone contract which is due to expire in May. The contract is for £32 a month and I have rang up the provider to ask how much it would…
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Switching Saving Account
Hello All, Me and the Husband have made good progress on switching. So far we have both switched our own accounts to Halifax earning £250 and we've swapped our joint account to Santander 123 account. The last remaining account we have is a joint savings account with Northern Rock. Now, we have about £5k in there, we are…
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Student Bank Account with overdraft, changing away from it?
So I have a student bank account with Barclays. It has a £1,500 student overdraft on it. Converted my current account in 2009 to a student one. Graduated 2014. Am I right in thinking that the overdraft on it is only in agreement for me to have paid in my student finance to the account, which I did? What I'm wondering is,…
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Any NEW accounts with bonus...?
Hi I need to open a new joint account and Im trying to find if there are any you can open which pay a reward...seems everything offered is for switching. Anyone know of any, or should I just open one through the topcashback site? Not looking to stick with what we open, just need it to be able to switch to Halifax for the…
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M&S switch incentive
How long does it usually take to receive the giftcard from the switch date?
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MSE News: 'Everyone should have access to banking, affordable credit and be encourage
A financial health minister is needed to help ensure everyone has access to basic facilities, a new report says... Read the full story: 'Everyone should have access to banking, affordable credit and be encouraged to save' Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how…
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Opening Multiple Bank Accounts
Hi there, Sorry im slightly new here but finally decided to take ahold of managing my own finances and just been lumbered with so much information to feed through with all the different techniques and bank accounts interest etc. Just a quick question, I'm trying to take advantages of the offer on the savings and current…
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Switching to Nationwide FlexDirect
Hi, I'm thinking of switching to Nationwide FlexDirect, partly to take advantage of a TopCashBack offer, but mostly for the 5% interest. Looking at the T&Cs I can see £1000 needs to go in a calendar month, but can't see anything about having to set up DD. Is that the case? Thanks.
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Unarranged overdraft fee payment date
Does anyone know if Santander would allow you to change the date of paying overdraft fees? I am hoping to get the date changed to 1 week later as I would not have the money until then. Would this be possible or would I be wasting my time ringing them?
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£8000 cash from Santander
What is Santander's policy in withdrawing £8000 cash from a branch? Should I just turn up and ask for it, or should I call the branch first? I used to bank with RBS and they wouldn't give me £1100, I had to go home for my passport. :(
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New Budget For Mortgage
Hi all Making up a new budget as we are in the process of hopefully buying a house! Please advise if you think I have missed anything from our budget. House & Personal Mortgage Payments (combined) Council Rates Electric (monthly estimation to cover bill) Life Insurance (combined) Household Contents Insurance (combined) Gym…
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Paypal DD for halifax reward
Good Afternoon, I am sure this has been asked hundreds of times but can't find it when searching. I have a Halifax reward account and need to set up DD to qualify for the reward. How do I set up a monthly DD for money to leave Halifax to go to paypal? Thanks in advance
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First Direct - how long to pay switching incentive?
Im sure this has been answered on here but i cant find it quickly..... the Ts and Cs say 'Open a 1st Account, then transfer your income of at least £1,000 per month using the Current Account Switch Service within three months of your account opening and we'll add £100 to your account' Is the first £1000 the trigger for the…
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bank accounts with no credit check
just a quick question, are there any easy to open bank accounts that dont require a credit check on your file. my personal thought would be any easy cash type account as you cant get an over draught on these and i presume that logic means no credit check. any help would be great. thanks
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New to switching...
After being with the same bank (barclays) for 25 years I've final decided to switch current accounts to one of the more appealing options. Although understand that it's meant to be fairly straight forward now, I was just wondering if it is possible even though I've got a personal loan and a credit card with them? Wanted to…
