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Can't pay into Help to Buy ISA?
Hi guys, I set up a Help to Buy ISA in December with Halifax, a few days ago I tried to make the initial payment of £1200 into it but this failed saying the account could not be credited and to contact the beneficiary. I spoke to Halifax to ensure everything was set up correctly, they were my first port of call because I…
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Santander 123 Joint and part gross interest
Just to let MSE members know that my wife and I have individual Santander 123 accounts and a joint account. She is registered as a non tax payer in her personal details and this is applied to her individual account. However, full interest was taken from the new joint account and I sent a secure message to Santander…
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Overdraft Charges
Hi, at the moment i Bank with Halifax, i currently have my Benefit paid into my current account. I have a £100.00 overdraft which i use, i have to pay a charge of £1.00 a day to use this. would i be able to claim this back.
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Post Grad Bank Accounts
Hi Does anyone know of any UK bank that offers a postgraduate account to part time students? The major banks seem to only accept full time students :(
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Post Grad Bank Accounts
Hi Does anyone know of any UK bank that offers a postgraduate account to part time students? The majorbanks seem to only accept full time students :(
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Which current account?
Hi all, New the forum so go easy on me ;) I'm 19 and starting to build my credit score and want to start saving. I'm not terrible with money but I rarely have any spare for the end of the month. Now im thinking of getting 3 separate accounts. I currently just switched to Halifax for the £125 incentive; I've just opened a…
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Name on cheque wrong way round
As the title says I have received a cheque from a Spanish bank via insurance company...but my name on the chq is surname/first name will that cause problems paying into my bank
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Business Account with Bad Credit
Have had an application for a business account refused with barclays. Dont want to apply everywhere incase it messes up credit score even more. This is on of the few alternatives https://uk.trustpilot.com/review/www.mycashplus.co.uk The cashplus business account will be a last resort as i have read some horror stories…
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Natwest basic account - Need advice
Hi I have a natwest basic account, I've had it for some time now but this is the first time I've encountered a problem like this. I made a purchase via debit card on the 30th December [£180], the money left my available balance as usual. My item arrived on the 4th January, so all was great. On the 6th we received our tax…
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Barclays have put my account under review
Hi guys, I have randomly found out after being locked out of my online banking that Barclays have put my account under review. I can't understand why as I'm 22 and haven't done anything dodgy. One person said it was a check that can happen at any point. Another person said it was the fraud department and that there wasn't…
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Do I really need life insurance?
I've been reassessing my outgoings as it's a new year and am wondering if I really need life insurance? I know Martin has said somewhere on here in the past, that if you have no dependants you probably don't. My policy is £23 per month and payout would be about £55k. I'm 62, no mortgage, own my house, no debt, no…
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Text Alerts from banks
I am trying to get my account under control. At least 4 times this week I received the following alert from my bank '..your account has insufficient funds for requested payments. To ensure payments are made and avoid an £8.00 fee, transfer £xxxxx today by 15.00' These are genuine bank alerts (not fraud). On each occasion…
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HSBC £120 switch offer
I know that there are other threads on this, and apologies for starting another. I am seeking specific advice on what to do next. I opened a current account online with HSBC on 6 January. It is not the premier or advance one, just the one requiring £500 monthly coming in. I am planning to switch a Clydesdale account simply…
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hsbc 'Safeguard' letter
HI, I've just had a letter from my bank, HSBC, introducing 'Safeguard', which they say is a fraud protection measure. They request I 'update' and 'confirm' the details they hold on me. My objections are: 1. Everything they know about me is up to date and I could simply tell them this. 2. The questions they want to 'update'…
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Do you have to give notice to Santander to change 123 account?
I see they have taken the monthly fee of £2, I assume this is for the last time before it goes up to £5. My DD's gave me £4.97 and i received interest of 94p last month, so do creep up into profit. However with the new year, I will be making an effort to minimise my outgoings, and so hopefully a phonecall to Sky should…
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First Direct Switching Query
Hi All, I'm considering setting up a First Direct account and using an old secondary account as my switcher. My old account has my PT salary paid into it and at any given time has around £200 with it, does this satisfy the FD switching requirements? Also I know that with this account there is a £10 monthly charge if less…
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Direct Debit Guarantee
I have a question about the direct debit guarantee which I hope someone can answer. I cancelled my car insurance with Sainsbury's at the end of December, before my renewal on the 1st January. I have just noticed that payment has been taken (on the 4th) for the amount shown on my renewal paperwork (which was not accepted).…
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Using Tesco to manufacture DDs...
Sorry if this one has been done to death already, but as I'm still new to the whole area of current account carpet bagging, can someone confirm the following strategy relating to creating the required DDs for multiple 'donor' accounts: 1) you open 2 tesco savings accounts 2) you create DDs from each of them to your chosen…
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Basic Bank Accounts
Evening all, currently trying to help my brother sort his life out after he split with his Mrs. About 4 or 5 years ago Yorkshire bank tried to charge him over £100 for 3 failed DD's to the same company over a short period of time. Rather than address the issue with them he started having wages put in to his partners…
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Switching a bank account that isn't a main account
A year ago I opened up a Nationwide Flexdirect account and have had £2500 in it earning me 5% interest each month. Now that it has been a year, the account instead pays a poor 1% interest a month so I am looking to change. Originally I was going to open a new Bank of Scotland account (3% upto 5k) and move the £2500 along…
