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Bank Processing Error - In My Favour?
Many thanks in advance for any responses. I bank with Bank A and made an online payment over 2 months ago to a private individual who banks with Bank B. Due to a processing error, Bank B debited my account but then credited it with the same amount thus cancelling out the original debit. However, Bank B still credited the…
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Joint account taxes/interest
Hello Money Saving Forums, I have just set up a joint 123 bank account with my partner which we will use for paying bills etc at our new flat. One of the main reasons we chose the 123 was because of the opportunity to earn a nice bit of interest on the side. But it cropped up in my head this morning that we are in…
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Account frozen - can't get wages!
OH recently opened a new current account with Halifax. Last week he received two cheques as PPI refunds and we deposited them. It takes 5 days to clear a cheque at Halifax which was bad enough but now they have cleared he can't use his account. His wages go in by BACS and clear by Monday but yesterday didn't clear until…
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Can I Have My Wages & Benefits Paid Directly Into My E-Savings Account?
Afternoon, I am wanting to know if it is possible for me to get my wages and benefits paid into my e-savings account (Santander) and then for me to set up a standing order to transfer money into my current account to cover my direct debits? I get paid weely and want to manage my money a little bit better and also try and…
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Managing personal finances?
Can anyone recommend a spread sheet template or any tool for keeping track of finances, assets, etc so I can create an accurate picture of all our money, but in once place in a straight forward form. At the moment it's a mess, with a number of bank accounts, bills income outcome everywhere. I really need to get it…
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Current account switch when splitting with wife
Good Afternoon and please accept my apologies if this has been asked before. I am beginning proceedings to divorce from my wife over the next couple of weeks and will be opening a new bank account in my name only for when I leave our home. I am wanting to make use of the current account switch bonus that first direct are…
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minimum pay-in
Hi - for bank account with a minimum pay-in requirement - is there a limit as to how long the minimum pay-in amount has to stay (e.g. overnight) or can I withdraw it out the moment it's deposited? Thanks
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Co-Operative Bank 'subject to a few formalities'
Hi All, Time to get your crystal balls out folks :) Finally, my last default dropped off my report on Friday :T:j, and I applied for a co-operative account on Sunday to get the £100 switch incentive. Later on in the evening, I received an email which said: Hello Mr Silk Thank you for your recent application for a Current…
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Overdraft student account
I am about to go to my second year of uni, I am with Barclays and have an overdraft of about 1500. Last year I applied for a student account and was accepted but they wouldn't transfer the overdraft....since then I have been paying their ridiculous overdraft fee of at least £50 a month and I can't afford it. Do I have any…
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Co-Op Account Switching
Hello all, Quick word to those of you tempted by one of the switching offers out there at present. If Switching to Co-Op, make sure your account is not credited until after the switch has taken place. Their t's and c's say the requisite 800 quid has to be paid in within 31 days of account switching to qualify. Whilst it…
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How long to get a tax rebate from HMRC after submitting R40 form?
Asking in this forum because its specific to getting back tax paid on savings in past tax years. I sent in the completed R40 form nearly 8 weeks ago. I have not had a reply or a rebate:( The HMRC website says to wait six weeks before thinking about contacting them. I'm wondering if anyone in a similar position can relate…
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Barclays intending to close expat bank accounts
Just seen this in a Spanish newspaper! Bit worrying for people with bank accounts with Barclays customers who live abroad. http://www.theolivepress.es/spain-news/2015/07/20/thousands-of-expats-to-have-their-barclays-bank-account-shut-down/
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Envelope budgeting system - does anyone use it?
I've read a bit about Dave Ramsey's envelope budgeting system online. It all seems a by complicated with so many envelopes and I'm abut worried about having all that cash in the house. However, at the same time I feel using a debit card definitely makes me a bit frivolous. Was thinking of giving it a try but starting with…
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Late father's bank account in Hungary
I'm trying to help my father's widow sort out his financial affairs and we have a real problem trying to close his 2 bank accounts in Hungary and retrieve funds. She has already sent original copies of the death certificate and probate to the bank (OTP) neither of which have been returned. Instead they have sent a letter…
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Best bank account for working as intern in Switzerland
My daughter will be starting a work placement in a Swiss company for 6 months and her monthly salary will be paid into a UK bank account. Which bank account would be best? Thank you.
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Bit miffed on son's behalf.....
OK, so son has had a £750 overdraft facility on his LLoyds a/c for many years. He's never used it and his credit card with them is usually paid off every month. He has no other debts at all, but has had loans from them in the past, when needed - all paid up and on time. He has some long term investments/savings. A…
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Where can I pay in coins?
I used to have my local HSBC branch within walking distance and every few months I would bank about £100 worth of coins that I had collected (only £2, £1 and 50p coins). Now that branch is closed. Where can I deposit my coins so that my HSBC account is credited? Do I have to use a HSBC branch or can I take the coins to any…
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Tesco question
I recently opened a Tesco Current Account which comes with a Debit Card that doubles as a Clubcard. My question is does anyone know if it is possible to register the Clubcard on the Clubcard site so that you can see the points status of the card as you can do with an ordinary ClubCard?
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Halifax lost my money
Hi all. Some advice needed please. I paid my self employed tax bill at my local Halifax branch over the counter with cash. The cashier scanned the bar code on the bill, took the money and stamped it 'paid' on the day. A little while after I started receiving letters from a DCA on behalf of HMRC chasing me for the payment…
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Is there a budgeting spreadsheet available?
Hi, I'm a newbie at budgeting but I'm really looking forward to keeping track of my money and being able to see where each penny goes. I've completed Martin's budget and now I'm wondering if there is a similar spreadsheet that I can use for actual day to day expenditure as it happens? So I can see if I'm sticking to my…
