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Pre-Authorisation on Debit Card
I booked a hotel on 15th May on booking.com. The booking quoted payment in local currency upon arrival, but the T's&C's stated that payment may be taken from my debit card at any point after booking. So...the money came off my available balance pretty much immediately. However, 6 days later the money still hasn't left my…
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Account in single name requiring three signatures
I'm trying to open an account in my mothers name but requiring my, my sister's and my mother's signatures (the money being the proceeds of a dissolved trust where we need the safeguard of multiple authorisation but don't want to create another trust to administer the money). Despite at least two banks telling me over the…
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Rbs nightmare!!!
Hello, this is going to be a long winded post unfortunate but I need some advice. In late 2013 I have some financial trouble with and my RBS account and loan acquired some arrears. I had a £2000 over draft and about £3000 left to pay on a £5000m loan. I made monthly payments of £129 towards my loan/ I contacted the bank…
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Switching accounts
No answer in the CC forum and I'm seeing the bank 'manager' this morning so hopefully an answer here. 'If I switch my bank account including DDs will my Credit Card be automatically discontinued or will it carry on?'
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Very gently, explain to a banking thicky...
how maintaining high interest current accounts works. I have one current account which I have my wages paid into (currently changing from HSBC to M&S in order to get their 6% saving rate) and I keep one current account at the Nationwide which I pay the bill money into. There is a Loyalty Saver account at Nationwide paying…
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Confused about pay
Hi I'm new so sorry I get paid every 4 weeks, which I thought meant I get paid for 13 months a year instead of 12, which when I work that out to find out my hourly pay (which I know what it is) from my annual pay using the equation, annual pay/hours worked annually = hourly rate if I do it as 56 weeks a years worth of…
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What's your bank card made of?
A chap cross-stitched his bank card more quickly than Santander sent him a new one... http://www.bbc.co.uk/news/magazine-32810701
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Sending money to spain
I need to transfer around 170 Euros to a Spanish bank account and was wondering which was the most cost effective way to do this. I bank with cooperative bank and Santander. I do have a Santander zero current account and a Santander zero credit card which I use for spending abroad. Will any of these reduce fees for…
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Retrieving old bank statements
I need three months of my Barclays account statements from 2004 for a court hearing. Had an appointment with an advisor last Monday who took all the details and said it wouldn't be a problem and that they'd be posted to me. Today I received a letter saying that they can only go back six years. On the strength of the advice…
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Tesco online banking down due to 'technical issues'
Anyone else unable to login to their Tesco online accounts (current savings and credit cards). Apparently they are having technical issues. http://www.tescobank.com/
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Multiple accounts?
I currently hold around 6 bank accounts with Lloyds (everyday spending, bills, saving for Christmas etc) and whilst it is very easy to see everything on one login I'm wondering if it would be financially beneficial for me to open five other accounts with other banks which offer incentives? I could deposit the monthly…
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Multiple Debit Card Accounts
Just read the latest email newsletter and it prompts me to ask if anyone knows a bank account that allows four debit cards? I live in a family house with my children's family and so we all share the house keeping costs, hence the need for more than the usual number of cards. Thanks
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Barclays asking for income - bypass
Hi guys, please only comment if you can help instead of passing judgement.. So I have 2 accounts, one with Nationwide and Barclays. Barclays are saying to me they need to see my income going into their account to give me an overdraft, but if I stop paying it into my Nationwide account then I'll lose some of their perks!…
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Budgeting app multiple users
Hello all, This is my first post on MSE. I'm trying to find a good budgeting app for my iPhone. My wife currently uses 'spending tracker' to keep check on our day to day expenditure. She likes it, but it only works on a one user basis. I'm trying to find an app that we can both add to without me physically having to update…
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£1,000+ Overdraft, can I change banks?
hi all, tried to find some info on this but not sure... I have a £1k + overdraft on my current account and am struggling to get out of it. does anyone know if you can transfer this to another bank who has a lower interest rate?? I'm just trying to think of ways to lower it ASAP! Thanks
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Changing banks - what happens to ISA?
Hi there I feel having been with my bank, HSBC, since a kid it is time to leave my loyalty behind and switch to First Direct. I have always been a bit reluctant to do so but now is the right time as I am saving up for a house deposit so could do with the extra savings. I have not been putting money into my ISA this tax…
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Next step on the savings ladder
Ok so a bit of back ground - due to divorce and financial settlement taking so long my credit rating is fair with 2 defaults now 4 years old. I have £17k from the settlement and £2k a month to save. I would like to put down a deposit on a house in five years time so stocks and shares are out. I want to maximise my interest…
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Receiving Euros - What is the best UK bank account?
Hello all, I receive irregular payments in Euros for work that I carry out. The payment is made to my First Direct account as they do not charge any fees for incoming Euro payments. However, I do not know the rate that will be used until the payment has been made. Is there an up-to-date comparison of the different fees and…
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Unusual UK dollar bank account question
I'm in a somewhat unusual situation. I run a business in the UK that has its income in USD. In August, I will be travelling around the world and will have no fixed address back home, but the business income will remain. I'm looking for a bank account that deals in US dollars, but that also doesn't charge for foreign ATM…
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Switching Bank accounts
Hello, I switched bank accounts to the halifax reward account in march 2015, however am now looking at switching to the First Direct 1st account as it seems to better suit my needs. are there any restrictions on switching bank accounts multiple times in a short period of time? as I switched from Metrobank to Halifax in…