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overdraft fee
I used to have an overdraft of £1000 which I paid off two months ago and cancelled the facility. However I have been charged a 'overdraft daily usage fee' of £12 this month, I currently bank with nationwide and have a flexdirect account which means its all online. I have sent them a message which will get responded to…
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Credit Checks for Joint Account
Hello, I've been trying to set up a joint account recently with my girlfriend as we have decided to budget and try and clear our combined debt which is mostly left over from university (:beer:) and attempt to start saving for a deposit on a house. The plan was we set up a joint account, each pay in £1000 a month and set up…
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Help! salary not paid
Hi everyone. I have a problem. I was told I would be paid my wages yesterday Friday on the 13th November as the 15th is on a Sunday (a date that they pay all employees salaries on the 15th each calender monrth) so basically a day before the weekend. Now they are adamant they have paid my salary yet there is nothing in my…
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Nationwide customer services experiences?
Evening all. I am shortly due to move my banking arrangements away from First Direct and I am tempted by Nationwide's offering. One thing I have enjoyed about FD compared to other banks is the short wait time when calling their customer services team and generally how helpful they are on the telephone. Can anyone share…
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Looking to open a joint account
Me and my OH to be are looking to open up a joint account soon, any ideas on what is hot at the moment and what I should be looking for in a bank account in this case?
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branch address?
Hello All, I'm just having to fill in a paper direct debit instruction, and it's asking me for my branch address.. I have no idea what the branch address is for my Santander account and can't find any paperwork they've sent me with it on, and there seems to be no mention of it when I log into my account online either..…
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Santander cash back - flo gas supplier
Has anyone been able to get Santander to recognise Flo Gas as a gas supplier. I live in an area where there is no mains gas so have LPG and pay a monthly direct debit to Flogas for the gas they supply. I would have though that this would be eligible for the 2% cash back but Santander do not seem to recognise this. Flo Gas…
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MSE News: RBS to hike fees for Black and Platinum package account customers
Over one million RBS and NatWest 'Black' and 'Platinum' package account customers will pay more from January 2016... Read the full story: RBS to hike fees for Black and Platinum package account customers 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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Application failed despite 'Excellent' credit rating
I recently applied to switch my current account to a TSB account to take advantage of the £150 incentive before this offer closed. After completing the application online I was then sent a letter telling me to go to a branch to verify my address which I did. I was then told that I failed their internal credit scoring…
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which banks let you have 2 current accounts?
HI. I was wondering whether it was possible to have two separate current accounts with the same bank? I've checked their sites and can't find any information on this. I know some banks only let you have the one. I have two jobs. (day job and dream job) I would like an account for each to keep my incomes/outgoings separate…
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Overdraft on switching banks
I'm thinking to switch my current account (with free banking) due to low interest payment on balances. Considering TSB due to the interest rate and cashback.. I have a 0% overdraft available on my current account, although I rarely use it. When switching is my overdraft considered or am I starting again with whatever…
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Tesco Current Accounts, how many?
Anyone know how many Sole and Joint Tesco Current Account you can have? Also, is there any recommend a friend offers for Tesco bank accounts? Thanks
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Should I change bank accounts?
For many years I have been with my bank and currently pay a monthly account charge. I have recently worked out that I am paying over £100 a year for the account, that offers me such as car breakdown cover and home insurance that I don't require. Should I continue to be with the bank account? All I need is a simple bank…
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Unhappy with Metro bank
My husband and I run a small business and decided to switch from one of the big banks to Metro business account as they don’t charge fees if £5000 or more in balance. After several weeks and several long visits to the branch, finally told us our business account is approved and good to go. Sent us several emails, phone…
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Budgeting advice on inheritance
Sorry this might not be the best place to post this but there is no general discussion forum that I can see on MSE but this sounded the closest one: To start, I'm looking for the best way to save or invest my inheritance, with mid-term goal to save for a deposit on my first house and thereafter to save for that rainy day…
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Automated banking?
Hi all, long time lurker first time poster. Only registered on the forums today! Woohoo me! Thought experiment: Banking and Automation. 1. Each time a deposit is made to an account, a percentage of that incoming fund is automatically transferred to a savings account. Silently saving, would be useful for freelancers who…
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Santander 123 £500 pay in dates
Does anyone know exactly what dates apply for the £500 pay in to qualify for the benefits? e.g. Would it be between the dates the monthly fee is taken?
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To switch or not
I'm currently with Santander 123 account and hold debit and 2 credit cards with them . I'm aware the fee for the account is going up from £2-£5 next year . I've been accepted for the TSB account which if I totally switch I get £125 and also 5% on a maximum spend of £100 on there debit card . So in affect £185 for the year…
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Virgin Bank - what day will my wages hit
So I have recently changed banks from Santander to Virgin. This month my wages are due on Monday 23rd, and with Santander they would have been available from the monday. However a couple of colleagues have said their's are available from Saturday when payday is a monday but they banks with Barclays. Does anyone know what…
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Switching Advice
I have 2 current accounts with one bank, in one of which my salary is paid, and I have few direct debits, for gym, mobile, etc. If I switch my salary account to another bank: 1) will I be able to operate my other current account as normal? 2) will I get the switching bonus, even if I have another current account in the…
