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Opening Santander 123 - Any incentives?
Planning to open a Santander 123 current account after exhausting the other "high" interest current account options ... Club Lloyds, TSB, BofS, Halifax, etc Are there any switching incentives or joining bonuses out there to be had or are they a thing of the past ? Also - is there any "welcome" period with no charge whilst…
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Halifax - daily Faster Payment limit
I've looked at fasterpayments.org website and it states the transaction limit for Halifax is £25,000. Does anyone know what their daily limit is? http://www.fasterpayments.org.uk/about-us/transaction-limits
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Santander 123 Pay in £500 per month
Feeling old and thick :( Have opened a Santander 123 account on April 6. Can't fathom what the following means: 4. Monthly Funding requirements You must pay at least £500 into your account every month. This is not a calendar month, it is the monthly anniversary from the date you opened/transferred your account. Monthly…
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TSB contactles card not working
I've just opened a TSB Classic Plus Account, went to use my contactless debit card to get my 5% cashback but the card didn't work. Does it take a bit of time before the card is active or do you have to use it the normal way 1st before the contactless method works?
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Paying Council Tax: Standing Orders vs. Direct Debits
I am wondering whether direct debit is better that standing orders for paying council tax. It appears that direct debit has more protections. But on cancellation, the bank and council will need to be told. With standing orders only the bank needs to be told
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Reclaim missold bank account, do you think I have a good case?
Hello, I currently have a £2000 overdraft with lloyds. I am focusing on paying this off as I currently am transferring money to a savings account, I will then transfer this to my normal account and phone up to pay this off the overdraft if that makes sense. Anyway, I've had it for a few years. I think I used to have the…
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Budgeting
Hello, I'm hoping some of you can help me. I need help with budgeting. My partner gets paid monthly (last working day), and I get paid weekly, but some of our benefits are 4 weekly. What's the best way to budget for this? I'm so confused! Thank you PW x
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what does"RETURNED DD" On my bank statement?
Before posting here i have looked at other threads. However from what i can gather it seems that these people are saying money has been taken out under RETURNED DD on their statement. This is why i'm confused, because under RETURNED DD on my bank statement it is showing money in. Does any one know what this means? I was…
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Santander 123 Question
Hi Guys, Just signed up for a Santander 123 Account, got all my stuff through, took a while. Anyway does the money have to go in the main current account to get the 3% interest rate or can it be in an attached saver, how does it work ? Also the card they sent me isn't contactless, is that because of my credit score ? Or is…
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Barclays Basic Current Account
Hi all Just a quick question. Are contactless cards usually issued on this account? I've had one of these accounts since the days when it was a Cash Card Account and only came with an ATM card and limited facilities. I haven't used it since 2014 but I got a payment into the account so I ordered a new card as the other one…
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Direct Debit Mandate Acceptance
Does anyone know how long it typically takes for a bank (Lloyds or First Direct in this instance) to accept instruction for a Direct Debit Mandate? Would/could this happen in the same day?
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Are bank incentives counted as income?
I'm thinking about First Direct offering £100 incentive to join, M&S offering vouchers, Santander offering % rewards on direct debits etc. Should I be declaring these incentives on my tax return? Do they count as unearned income or interest? If interest, I guess they should come under the new interest allowance, but not if…
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Using a second personal account for freelancing
Hi, I am a freelance tutor and have been using my HSBC savings account only for payments received. I then pay for my expenses out of my personal account. I know this isn't a good solution so have been looking at opening a separate business account. My question is - do I need a business account or can I open a current…
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Yorkshire Bank 26 Branch Closures
Noticed in the news, that Yorkshire Bank are to close 26 of their branches nationally, the closures will take place between July and September 2016. One of the branches is my local one (although I'm not a customer), shame for the local area, as it's getting towards a significant number of closed business and empty…
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Unused overdraft: keep or get rid of?
Hi all, While at univerisity a few years ago, I had the Halifax Student account which had the option of having an interest free overdraft of up to £1500. As I had little money as a student, I took up the offer to have £1000 of this, and used it on and off during my student years, although obviously never went over this.…
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Direct debt ..
I want refer my friend to Nationwide but she dont have any Direct Debt ,so i was thinking is it ok if i use my tesco internet saver and instant saver to set up direct debt on her account ,so setting up 2 dd to £100 reward?
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youandb.co.uk
Is there anyone who works for Yorkshire or Clydesdale who has any more details on this yet. Aside from the COO Debbie Crosbie doing an interview saying coming soon over a month ago and it being mentioned last year in a trading update its been quiet. Are there anymore details on B ? https://www.youandb.co.uk
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Direct Debit Indemnity Guarantee
I spoke with First Direct this morning regarding an unauthorised direct debit payment taken from my current account. I was put through to the specialist team that deal with claims under the direct debit guarantee due to the transaction being more than 24 hours old. The advisor told me that the Direct Debit Guarantee has…
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Help! ATM claim over 2 months
Really hoping someone can help. 31st Jan went into a Santander to use ATM with a post office card. I know this is unusal but i went in for my Mum who was nervous taking out a large sum. This was £800. The cash dispenser whirred round but did not open. Then the screen came up thank you and the card came out. I immediately…
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Overdraft + Credit rating = :-(
Hi guys and gals, I need some advice if you would be so kind! I recently checked my credit rating and I have been rated as “Very poor.” Looking further into it, the rating is due to a Halifax student overdraft defaulting for quite a few years. The account was opened in 2006/7, in 2010/11 I updated address details to my…
