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Flex Direct application process ? ID ?
I applied online for a flex direct account and it said that i may need to provide ID. I received 2 emails from nationwide the first saying about id and then the next day i received another email saying the application had been accepted. Ive since received a letter containing my debit cards pin number for the account and it…
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Joint Account
Hi all, We are expecting our first child in June. I am looking into opening a joint bank account. The plan is to transfer a set amount of funds each month into this account from my own personal account (as I will be working full time) for predominantly baby things/trips etc. Me and my wife would have a card each for access…
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UK Bank Accounts accept income in Euro or $?
I thought i'd ask here if there was any UK bank I should look at that would accept payments in US $ or Euro, that I wouldn't have to pay a surcharge or fee each time? I have just checked with my current bank (Santander) and they say they only every accept UK Sterling? So no chance of a conversion (even if it did have a fee…
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Lloyds Standing Order - Unplanned Overdraft
Hi, I have a standing order which is to be completed late this evening with my Lloyds bank account. There will however be insufficient funds to cover it. Can anyone, from experience, please confirm if Lloyds will honour the standing order and convert it into an unplanned overdraft, or whether they will bounce the payment…
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Will I be charged an overdraft fee? HSBC
Hi there. Think I've posted this in the correct place. I bank with HSBC and just realised that I have gone overdrawn for the 1st time ever by £9.50 in total. I have no formal arrangement so it is an informal overdraft. Bit worried as won't be able to clear it until end of the month. I'm usually good with money but had alot…
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Halifax £5 Reward and new tax on interest rules
For the past few years my annual income has come in under my personal allowance tax threshold. I have a Halifax Reward Current account. It pays £5 a month net provided you meet the terms of the account. I have been able to claim the £1.25 a month tax back from HMRC every year filling in form R60, which comes to £15. Now…
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Funding Santander with a £500 a cheque.
Hello everyone :) I deposited a cheque of £500 into my Santander 123 account yesterday, but it won't clear for another 5 days. Will it still count as the £500 needed to fund this account, from the date it was deposited into Santander? (in a Santander Bank). Many thanks :T
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Multiple names on bank account
I have an old fashioned joint bank account at Nationwide with my brothers (i.e. it has a pass book and there are 4 of us in total). Currently it earns something like 0.025% so I said I would look into finding a better savings account. Problem i'm finding is you cant have a bank account in more than 2 names. Does anyone…
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Banks, HMRC and the 'unexpected'
I received an inheritance some while back and paid it into the bank. Within 1 hour the bank had phoned me to ask the questions of 'what' 'who from' ''is more due'' etc. They seemed content. I understand that if banks are not happy with the answers then they are obliged to inform HMRC. Is that the case? and if so what…
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Joint account - enlighten me!
Hi all, My partner and I are trying to manage our finances a bit better and was wondering if it is a good idea to have a joint account. Not one for our wages and bills, but rather transferring in a few hundred per month into a 'jar' for groceries, entertainment etc. My only concern is (after reading a few threads on MSE)…
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Question re using ms money
Not sure if this should of been posted here, anyway i am attempting to use ms money for bills and accounts etc rather than my excel spreadsheet, so far all is good have bills etc all set up and got to grips with that part. My question say for example with my santander 123 account i get my monthly interest, is there a…
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Regular savers and interest
How will the new tax free savings up to £1000 work with regular savers that were stated in the 2015/2016 tax year but end in the 2016/2017 tax year? Will the bank pay out some of the interest tax free?
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Lloyds Fraud Dept
I suppose all banks might be the same. I did an on-line transaction yesterday morning, can't add up & didn't transfer enough, so I did another for a smaller amount. It got locked & I received a message to say so & that if I clicked on the link given in 24 hours I could approve the transaction, which would then go through.…
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Switching Bonus Enquiry
I have just opened and been accepted for a Barclay current account and intended to switch this to Halifax for the £100 bonus once my direct debits have been set up sometime next month. However after going through the terms I came across this: If you’re not happy with your account, you have a 14–day period in which to…
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Shifting overdraft debt?
Just received the - only a matter of time - text from my sister asking for money because she's in her overdraft again. She's with Lloyds & apparently they offered her a loan which would add £1400 to the bill so I'm guessing she owes a couple thousand at least. I don't want to give it her as she's crap with money to begin…
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Double payment of £25,000
Hi, I recently bought a car and paid with £25k by debit card. For some reason it showed as coming out of my account twice, putting me at -£23,500. I didn't realise this until the next day when I tried to buy something online and my card was declined. I phoned Barclays who said it was the car dealer's fault and the money…
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1st DIRECT PENDING TRANSACTION
Hello, I purchased a bike online which went through and I recieved and email invoice only to realise on the sites main page said do not order we are not processing orders. I have checked my account and the money has been authorised to be taken but hasn't actually been taken meaning by available balance is showing lower…
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Unreasonable bank charges and exceptional circumstances
We were hit with unfair bank charges whilst we were going through a very difficult financial period. I had to take two jobs to try and make ends meet and was pushed into taking out a high interest rate loan to help with repayments, etc. After having sorted ourselves out financially, my son made us aware that we could claim…
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JISOFT - Alternative to Quicken / MS Money
Hello, I'm currently using Money and it is becoming slow. I've been looking around for an alternative. Which? has a review of some products but they seem to US based. There is a UK company - http://www.jiosoft.co.uk/ Has anyone got any views on their Money Manager product? Thanks Title should be jiosoft and not jisoft -…
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Citibank UK Current Account
I have a Citibank UK current account and linked savings account but not used on a regular basis, think I had less than £5 in it. Anyway, the debit card expired last year and I've not received a new card and can't seem to log into online banking either. Have Citibank pulled out of UK personal banking? Not much information…
