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HSBC , M&S, First Direct acceptance criteria
I opened an account with M&S this month. A year ago, I was rejected by First Direct. A year and a half ago, I was rejected by HSBC. These 2 banks are the only ones to have rejected me. Over the years I have banked with about a dozen institutions, including all the usual/big ones as well as a few of the smaller/niche ones.…
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Reclaiming money paid into old account
Hi, I have been on a debt management plan for about 18 months, and no longer actively use my old HSBC bank account as it is classed as one of my debts due to a £600 overdraft and i pay a regular amount into it every month from my DMP. My active bank account is with Co-op, but I've done something stupid. To get a little…
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Santander Cards Ltd - Cashing an Old Cheque
Not sure if this is the correct category for this question, but as it deals with a cashing an old cheque I thought it the best fit. A few days ago I was tidying up my home office and I found some old unopened letters. One of them was a letter from Santander Cards Ltd that I had not opened - it was dated February 2014. As…
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Norwich & Peterborough Building Society....any good?
Hiya folks, I'm a fresh-out-the-box noob around here, although I've flicked through the main pages on and off over the years, but find myself in need of further info, so I hope you ladies and gents might be able to help! I'm off travelling in September and will be gone for quite some time, and so the usual questions about…
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Banking USD cheques
Hi . I have inherited shares in a US company. Every few months I receive my divided in USD and have to take them to my Barclay's bank who convert them to GBP at a great charge. I was wondering if there was a better solution out there as I have recently received a large cheque following a recent merger. I had thought of…
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TSB Classic Switch with £100
Can anyone help. I have been told I am not eligible as I opened my account on 18th May and switched on 10th June. That as I opened the account before the £100 deal then switched when the deal was advertised on this website Its classed as an "old" account. I feel this is unfair as I only switched 3 weeks after opening...
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Money from Fidelity shares USD to UK bank
Hi all, I work for an american company who offer stock options. I have some shares in a Fidelity account (USA) worth a couple of thousand dollars... I have options to; - Wire to bank - Wire to financial Institution - Send check to address I can either request the money in USD or GBP. What is the best option? To request a…
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M&S Bank - pleasant customer service but really?
Is there a bank with a setup more OTT than M&S? The customer service is pleasant and well trained but the process is so... To activate my card, I had to call (only option) and answer all sorts of questions and set up a bunch of passwords. With every other bank it has been an automated quick call or online. To set up online…
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Overdraft Interest
I have an overdraft of £1800 and the interest is changing to 19.89% ear plus a £6 usage fee. I used the natwest 'calculator' and it says that my interest will be approximately £29 ish and then the £6 fee. It however says that if you use an 'arranged or unarranged overdraft over two charging periods then the costs may be…
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Joint Current Account Application!!
Hi, Just looking for some advice. Today we have completed a house purchase and the house is now ours. I'm now wanting to setup a joint account in order to pay bills out of etc. I'm going with Santander 123 current account, I'm wondering whether I should put my current address down on my new address that I've got today.…
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MSE News: Financial services firms face premium rate number crackdown
From 26 October, financial services firms will be banned from using pricey premium rate numbers for existing customers... Read the full story: Financial services firms face premium rate number crackdown 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…
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New cheque book received without requesting one
I have received a new cheque book today which I didn't request. I haven't reached the half way point in the cheque book, or the page that says 'when you reach this page, you should have received a new cheque book'. Why havd I received a new cheque book?
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re-Halifax Reward A/c
Hi Guys. I switched my Nationwide A/c to Hfax Reward a month ago, and got my £200 incentive no problem. I set up my 2 DD's with Tesco and my £750 per month for the £5 on june 12th, the day reward was opened., prior to switch date . The DD's were showing in Hfax, from Tesco, as" NOT known", regarding the amount and…
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can a foreign spouse be a payment on death beneficiary?
Hi Was wondering if anyone can help/has encountered a similar situation... I am currently living in Turkey with my Turkish wife. We have no immediate plans to return to the UK so it is not possible to create a joint account with my UK-based bank. However, I was wondering if it is possible to set my wife up as the…
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Switching bonuses - what next?
I've now worked my way through all the Switching offers out there, bar the latest HSBC one which I don't qualify for. I was scratting around to find other ways of earning money from account switching and stumbled across a tasty little offer on TopCashback for the Nationwide Flexaccounts. They're offering £78.75 cashback to…
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Bank reclaim money
Sorry if this is the wrong place to ask this. Last year I asked my gym to close my membership over email. They told me I needed to come in and fill in a form, but I wasn't able to because I wasn't in the area at the time. After several emails they told me to give them a ring which I did. I was told I could send in a signed…
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A hypothetical question about a joint current account
Many long years ago, in fact 38, when we were married, we opened a joint account with one of the big banks (they currently have a sickeningly saccharin advert showing a black horse). My husband, due to general lack of financial management ability exacerbated by a serious medical condition, is useless at managing income and…
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Natwest new look cheque book??
Hi can anyone upload an image of the new look cheques?? Also any of you budding credit card/debit card enthusiasts, anyone know why my dads Natwest debit card is black and no he does not have a private account?? Wandering why he did not get a purple new look debit card?? Also what do the new look Coutts debit card look…
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When is a letter box not a letter box?
Unfortunately I wasn't well on Saturday and had to ask my teenage son to put some cheques totalling just over £200 in the letterbox at my local Halifax branch. I enclosed a letter asking for them to be paid into my current account - all details provided - and checked Halifax's clearing times for cheques. When the money…
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Barclays closing accounts for Cypriots
Hi all, My mum is a an expat living in Cyprus, she has recieved a letter from Barclays informing her that they will be closing her UK account in September unless she depoits £100k. Sadly, she doesn't have this level of savings to deposit. She is looking for a new sterling account that her pension can be paid into that…
