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Switching - 7 days ? Misleading ?
I took the bull by the horns today - and decided to switch from one bank to First Direct. So I applied for a First Direct account and was immediately advised that my application was successful. So I proceeded with supplying the switch details. Had expected they would set the switch date as sometime during week of 5…
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Tried to set up Tesco for DD's-small grumble
I wanted to start earning the £5 Halifax reward each month (Soon to decrease to £3). A couple of weeks ago I set up 2 Tesco accounts: an Instant Access Saving account,and an Internet Saver account. I got messages to say that I would have £5 transferred to each account on 25th Nov,then £10 monthly after that. On 25th…
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Are Unity Trust any good?
Hi all! We want to buy a small(ish) business and Unity Trust Bank are a potential mortgage lender. However in addition to the mortgage they insist on taking their banking services also. Does anyone have experience of what it's like to run a business while banking with Unity - will I regret it compared to using the big boys…
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Natwest packaged bank account complaint
Hi I and my partner both made a complaint to natwest regarding our packaged bank accounts, we both sent the letters on the same day, and we both received a letter of acknowledgment from natwest around a week later these letters came within a few days of each other. Partners complaint has been dealt with he received a…
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Address Change
What are the legal guidelines for banks to allow change of address? I have a bank account with a bank name S (full name not disclosed), which has very limited branches in the UK. To change address, I have to provide an ID proof, a proof of residency less than 3 months old and fill a form with mother's maiden name and my…
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Transaction Fraud due to online shopping
Hi, I'm after some advice. A month ago I saw an ad on Facebook for some skin cream for the cost of £5. After ensuring there were no gotcha's in terms of subscriptions, I duly ordered and paid via my Barclay's debit card. I received a text from my bank asking for confirmation of the transaction which I agreed. The product…
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HSBC direct debits
Wonder if any HSBC customers/switchers could help. My other half has two HSBC current accounts: one standard Bank Account and one Advance Account. The Advance has a number of DDs coming from it. The standard account will shortly be used for a switch to Nationwide for the £100 bonus for both of us, one condition of which is…
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Wages not cleared in co op bank on payday
Hi I am just wondering if anyone can tell me what time the co op bank update accounts as my wages are due today and it's 7am and they're not in my account. Panic!! Thanks 😃😱
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halifax online - finding time of transaction ?
hello, sorry if this is the wrong section, i got confused. i am paper free, with halifax online and wanted to reference the time of chip and pin transactions, halifax tells me: but when i click the transaction, there is no time stamp. please can anybody help me with how to obtain this information ? would it be on a…
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moving money between accounts.
I know about the old fashioned 'BACS' method. And I know about the new kid on the block: 'Faster Payments'. Not to mention the costly 'CHAPS' transfer. But I've never heard of a 'bank transfer'. I thought this was a generic term. Apparantly not - can anyone enlighten? (the background is that when querying Sainsburys Bank…
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Why have multiple current accounts?
I'm just curious towards the people who have more than one current account, and what you use each one for? I'll write the reason I'm asking below.. Early last year, I was hit badly by a fraud attack on my First Direct account. Back then it was my only account and had all my savings accounts absolutely drained of £1500.…
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BACS / Faster Payment Receipt Ref:
Hello there everybody. I've just signed up to the MSE site forums and require some information please. I recently switched employer and whilst there my wages arrived into my account via the trusty BACS transfer system - no problem. With this new employer, my wages arrive into my account via the Faster Payment Receipt…
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Nationwide FlexDirect Options
This has no doubt been asked previously so apologies in advance. I have a number of accounts with Nationwide inc 1 x FlexDirect Current, 1 x FlexAccount & 1 x Flexclusive Regular Saver. The FlexDirect & FlexAccount are largely dormant (I pay in zero on monthly basis) & FlexDirect is > 2 years old so on the 1% interest…
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Spare cash? How much monthly do you think is a good amount?
We are currently saving for a deposit and figuring out how much to borrow / mortgage payments etc. How much do you think is a decent amount to have spare a month? We will have a 6 month mortgage payment emergency fund and a 10k general household emergency fund too before we buy. Don't want to over stretch ourselves, thank…
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Merchant Surcharges for Debit and Credit Card Payments
Apologies if this question has been asked before. I live in a small, fairly remote village in Cornwall. The nearest shop is about a mile away and the nearest cash-point is approximately 2 miles away. The shop in question is a typical convenience store and also happens to be the nearest Pay point (for electric etc). I know…
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Cooperative bank account - have I been accepted?
I have been living outside the UK for almost three years. I'm now back in the UK and not yet on the electoral roll. Last week I applied online for a current bank account with Cooperative bank. After applying they sent me a generic email. I haven't heard anything since. It has now been a week. Does this mean I have not been…
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Bookkeeping tool
I am doing my bookkeeping with Xero but not that good, what is the best resource for help with my bookkeeping?Thank you
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Think money
Anyone having problems with think money can't seem to contact them thank you
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Bank withholding payment - basic account
Hi, To briefly explain my situation, I started a new job in August and because of an issue between my old bank (that unfortunately I cannot disclose, and trust me I really want to) and my employer, I haven't been paid for all these months plus my joining fee. Before this, I had a job that basically paid enough to survive…
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Tesco Bank accounts
What's to stop anyone having more than the 2 account they say you can have? I have opened 4 with my other half but Tesco never asked for any proof she exists. What's to stop me opening some in false names to get the 3% interest?
