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Barclays Graduate Additions overdraft charges
Any advice greatly received. I received a letter from Barclays in the summer of 2014 stating overdraft charges would be changing to a daily fee. At the time i had an overdraft of circa 2.5k. I was working part time through an agency with a large government organisation, and due to nature of the work, and my experience, it…
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Switching bonus ?
Hello guys, I basically need a 2nd account and thought I may as well try to get something out of it . I've concluded that switching bonuses seems better for me as I don't want the hassle that comes with the higher interest accounts when my income is small with little savings anyway. Looking at First Direct at the moment…
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Switched Bank: Refund to card not come through
I used the 7-day switching service from Santander to First Direct back in October. I've read that any mis-directed payments to my old account should be forwarded on, and in a couple of instances this has happened. However, in the case of a refund to my VISA card linked to the Santander account, the money has been marked as…
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TSB - No branches in NI
I'm interested in switching my bank account to one with TSB but there are no branches in Northern Ireland, does this mean I can't or shouldn't get an account with them?
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How can I help my son with bank overdraft charges please?
Hi, I'm looking for some advice as to how I can help my son tackle ever growing overdraft and associated charges. Basically he had got into debt due to various jobs not paying correct wages, or on time, and the problem had snowballed, leaving him with an overdraft of £1000 and a credit card bill of £800. He found a new,…
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Halifax Switching Criteria
Hi. Me again! Sorry, I'm just trying to get my head round this bank account switching business. It seems silly to have two little-used accounts sat there and to not take advantage of switching incentives. Anyway... I was thinking of switching my OH's 'dormant' Lloyds account (with his permission) to an M&S account which we…
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Opened 2nd BoS Classic Vantage account - how long to wait before opening 3rd?
Hi, I've opened a second Bank of Scotland Classic Vantage account today (having had one for a year or so already) and would like to open a third for the extra interest. I've already been using a Halifax Reward Current Account for 5+ years and have a Reward Clarity credit card too. My credit score is excellent if that makes…
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Best Prepaid Card for Online purchases in foreign currencies?
I am wanting to make some online purchases from sites like alibaba but do not want to use my bank details or card details as I don't fully trust they would be safe. So I was thinking prepaid card would be the way to go as any fraud they can only spend what's on it. As some of the sites are not in £'s I want one that either…
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Basic cash Accounts
Hi. I've got a current account and cash isa with Santander currently. I want to be able to manage my money better and so would like to get a basic cash account that I can transfer spending money into. I asked Santander for a basic account but they refused saying if I had a current account with them I didn't qualify for a…
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Multiple Current Accounts for Switch Bonuses - Affect on Credit Score
Good evening all, I have a question regarding the effect that opening and switching several bank accounts will have on credit rating, and ultimately being able to secure a mortgage. A quick background about my situation. I currently have a Santander 123 account which I have had for over 3 years, and use this for my main…
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Switching without closing old account?
Hi all, I've just signed up to one of the new switcher accounts where you get the money for doing so. The thing is I was hoping to find a way I could keep my current account I have now as one thing I really liked on it was that you could pay cheques in by post and not have to wait around in banks and post offices. That…
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Childrens Savings
Does anyone have a link to childrens bank accounts and what are the best offers. I have two kids aged one and two. Child benefit will also be paid into the account at least the kids could have a good start in life.
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Nationwide FlexBasic
I wonder if I could trouble the MSE Brain Trust for a sanity check. I've been with Nationwide for years, maybe decades, they ain't perfect - but better the devil you know... Due to a pretty massive financial meltdown 5 years ago I was downgraded to a 'Cash Card' Account, their basic account. FF to Dec '15 - I had a letter…
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TSB Intro £100 - Proof of ID
Hi I only just noticed the TSB offer of £100 to open up a Classic Plus Account with them by 4pm today (8th Feb) bit late! I have added all my details but have only been registered for an account, not fully opened: "We've reserved an account number and sort code for you, but your account isn't open just yet. There's just…
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Premium Bonds or Santander 123
I have £20,000 in premium bonds and the monthly payouts have virtually dried up. Is it worth taking the money out and putting it in the Santander 123 account. I also have @ £30,000 invested in a mixed portfolio with NFU which is a long term investment and, because of the current economic situation, is not performing well…
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personal finance/household budgeting courses in London?
Hi guys, Does any one know any personal finance/household budgeting courses in London (preferably face-to-face) or online?
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Ripped Off By NPC Car Parks
I really didn't know which section to post this in. If someone can suggest a better one let me know. Anyway, I am being charged 26.00 to exit an NPC car park, evening rate is 5pm onwards - £4.00. I arrived at 16:39 for a pre theatre meal and show. I was utterly gutted to be charged 26.00 when I arrived back. The most I…
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Email addresses ro report scams
In case these haven't been peovided previously: A LIST of HELPFUL E-MAIL CONTACTS to REPORT if YOU RECEIVE SPAM or FRAUD E-MAILS Amazon stop-spoofing@amazon.com Apple spam@icloud.com Barclays internetsecurity@barclays.co.uk Chase abuse@chase.com Co-op ihaveseenascam@co-operativebank.co.uk E-Bay spoof@ebay.co.uk Halifax…
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Would Santander 123 work for us?
With easy access cash ISA rates so low, we are considering opening a Santander 123 account. The problem we have is that we do not have a regular monthly income. We have some savings we could move into the new account but do not really understand how the transfer in/out works to fund the minimum monthly deposit. Would…
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First Direct 1st Account
I applied for a First Direct 1st Account last, and after about 6 days I am still yet to hear back whether it has been accepted or not. If I was to be declined for credit history, I would assume I would be declined instantly? What would be the reason for such a lengthy wait? What are other peoples experiences with opening a…
