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Nationwide Refer-A-Friend - Is the incentive recalled if the account is closed early?
As above, really. I know the terms say: But does anyone know if they do this? Unfortunately the referee has already closed their account, so the only way round it is to close mine also?
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123 account without a job?
Hi! I'm 18 years old and have £28,000~ in savings. My current account currently pays less than 0.5% in interest, which is abysmal. I'm really interested in the 123 current account with Santander (I'm already with them, just on a terrible account), as I'd get over £500 a year in interest even after fees. I don't have a job…
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Santander holding my payment and blocked my account
Hi all I made a payment of £20k from my Satander account on Friday morning to repay my personal loan (with HSBC) that I took out to help out a friend. As the payment was not arrived at my HSBC account, After spending 51 mins on the phone, they told me that they cannot release the payment and cannot give me a reason but…
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Managing Overdraft fees
Hi everyone, I am new to this forum although I have used the advice here many times for various things. I am asking if there's any advice on managing overdraft fees, y'know, the £1 a day fee, etc. I apologise for the long post but this is the situation.... My name is on a joint account with my ex-wife, which is £2000 in…
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Bank Account that will not allow you to go overdrawn
Hi All. I'm looking for a bank account that will decline any transaction that would make you go overdrawn. My situation is that I have a shared account with my wife that always goes over and I have to top it up - she gets a text message every week to say current the balance but ignores that. Then it costs me money in…
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M&S Current Account - Credit Card at same time
Anyone know if you can apply for an M&S credit card at the same time as applying for a current account, either online, or via the phone? Prefer to do it as part of a single application to avoid two searches. thanks
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Pay slips
Hi How long should you keep Pay slips for? I am unable to work due to an injury and thought of getting rid off my pay slips The last time I worked was over a year ago Thanks Sorry wrong place Mods please can you move Thanks
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Still haven't received my CHAPS payment
I recently won a claim and my solicitor emailed me yesterday at 9:43am attached with a letter he's sent to my house saying your money has now been transferred by chaps payment and can take upto 3 working days, however everywhere I have read online says it should go in the same day as long as its transferred before 3pm…
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DD caught me
In my calendar I have my energy bill as the 22nd so I hadn't transferred money to cover that yet. Today I get a text from NatWest saying I've gone over my agreed fees & to pay by 2pm to "minimise fees"...does that mean I'm still gonna get a charge? =/ the funds are now in Edit: apparently no charge...MSE should really have…
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New Nationwide account not showing online
Ive had a email saying they accepted and its open etc but its not showing online as I already have a savings. Does take a few days to update online ?
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upgrading my cash card to a debit(santander)
I've got a current account with santander and I currently only have a cash card for this account...I want to upgrade to a debit card (cause I'm 23 and it's about time) but I'm not sure what I need to take down to the bank to do it? Is just my passport okay or do I need a proof of address and all that malarkey?? Thanks in…
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NationWide FlexDirect Cashback for Joint Account?
Hi all, Wondering if anyone can clarify this for me... A friend is referring me for the £100 Nationwide Cashback: 1) Can I open a Joint Account to qualify for the £100 Cashback? 2) If I open a Joint Account, when switching my existing Current Account to Nationwide, does that have to be a Joint account or can I get away…
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Barclays changed the mandates on my business account without any permission
Hi, Hope this is the right section to post this in, sorry if it isn't! Really need some advice what to do about my bank account, my situation is this: I had a Barclays business account, me and one other person were the only signatories/mandates on this account, one day I put my card in the cash machine and it retained my…
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RBS branch sale may be back on with Santander
http://www.theguardian.com/business/2015/dec/16/santander-royal-bank-scotland-bid-rbs-branch-takeover-williams-glyn Make your mind up Santander.
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Switching current account - never again!
I switched my current account to the Halifax using their switching service and I am having real problems with direct debits being rejected. I pay my full credit card balances each month by direct debit however this month Halifax has rejected both direct debit requests. This has resulted in late fees being applied to my…
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Standing order cancelled
Hi, I am with lloyds bank and i went on my online banking, i wanted to cancel a standing order and when i went to do it, it asked me for a password. I did not know my password so tried one i thought it may be. I then got no cofirmation that it had been cancelled and it went back to my internet banking where the standing…
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Anyway of making any money from old savings accounts
I know about the various cashabck current account switches, but having just discovered I have a couple of old Egg savings accounts (with grand total of 61p in them - whoopee) that I thought had been closed years ago, I don't suppose there are any deals to make any money out switching them ?? I am pretty sure there aren't…
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Multiple Bank Accounts - Claiming cashback and High Interest
Good Morning all my fellow MSE! It is my first post on the forum, but I have been a user of the site for a number of years. I was watching Martin on the TV a few weeks back and the topic of creating multiple bank accounts for the purpose of claiming cashback and high interest rates was discussed. As I understood it, people…
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Thinkmoney account showing zero balance
I just logged in to my Thinkmoney account to send some money to a relative and it's showing my balance as zero even though I know I have a four-figure sum in my account. I can't withdraw any money or spend any on my card. There are no transactions on there to suggest anything dodgy has happened, so I suspect this is a…
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acceptable ID
Hi I need to nip in to my bank tomorrow (Santander) tomorrow to unblock my card. I need to take suitable ID with me, but i cannot find my passport anywhere, and i don't have a drivers license. Would they accept my diamond travel card? I don't want to turn the house upside down tonight to find it
