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Halifax Reward is it still worth it ?
Got the letter to say the Reward is Dropping from £5 to £3. Do you still think it is worth it for the hassle of keeping 2 Direct Debits active and shuffling money in and out each month ?. Just Looking for Views thanks. P.s on a side note also had the letter from Lloyds and Interest is dropping from 4% to 2% !
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Would you stay with a bank that didn’t give you an overdraft ?.
Would you stay with a bank that didn’t give you an overdraft ?. Now I know it might sound stupid and petty, but it’s the Principal of the thing. I bank with HSBC and NatWest, HSBC has given me a Overdraft of £1500, NatWest have said no !. It is only to be used as a safety net and not something I will ever use to be honest,…
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Advice on how to do a holistic MSE healthcheck
Hi all Looking for advice on how to do a holistic (i.e. throrough/overall, not crystal-gazing :rotfl:) MSE health check on our household finances. We are a family of 4 with various bank accounts, income from jobs and also a rental property, all the usual household outgoings... I know we could probably improve our finances…
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Halifax Switch Offer
Hi, Looking into switching my current account and one of the offers which takes my fancy is the Halifax £100 + £5 p/m (although this is reducing to £3). The small print says that Bank of Scotland swiches are excluded. Would this include Natwest? Thanks Dan
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BoS Vantage - pay in question
Hello! Had a hard time fighting with BoS but eventually managed to open 3 vantage accounts to take advantage of the 3% rate. I wonder how long this rate will last ... Could someone with these accounts confirm if each account needs to receive £1000 from an external source or if you can cycle £1000 between the BoS accounts…
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Halifax. applied Sept. heard/received nothing. Today change of T&C's letter.
Odd one this. this is all on behalf of my elderly mum. Applied for a Halifax reward account in September and at the end of the application it said they would let me know. since then, nothing. no text, email, welcome letter, card, pin etc etc. i assumed a decline and have forgotten about it. today I get a change of T&C's…
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Am I breaking the rules or committing fraud in any way not using my middle name?
I've just been questioning this over the past few weeks really. I started banking over three years ago with HSBC, and after scanning my documentation and everything, the account was opened using my first, middle and last name. Though I never really use my middle name and I'm used to filling in applications with just my…
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Disputing payments
Hi there, I was hoping that you could please help me. A few months ago I lodged a number of disputes with Nationwide as I believed there had been fraud on the account, it turned out that these payments were genuine but there was confusion as they were a different name to what I knew the company to be called. The bank…
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I'm not quite sure which bank would be best suited?
I thought I'd come here for some advice. I currently have around £2500 in a help to buy isa. I deposit £200 a month into this. My main account is Santander 123 and has around approx £8000 of savings. My budgets/expenses for the month are in separate side accounts. As we know the interest rate has been slashed in half to…
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Debit card charges
I bought a new car at the weekend and will be paying the balance end of this week. However, the salesman said that if I pay by debit card, it will now incur charges as if it were a credit card. This was news to me so I thought I would ask here. If it is the situation, it is something I will need to consider at work. On the…
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TSB Switch - Need to close existing account?
Hi all I'm looking at taking up TSB on their switching offer and noticed this in the eligibility requirements: "As part of the switch, transfer all active credits and debits which must include a minimum of 2 active Direct Debits from your old account and close it." Does this mean I have to close the old account to qualify…
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Problem proving bank statements for accounts I no longer have
I applied for a small grant from university to help get me on my feet a little due to financial problems. In the application form, it asked me to state my current and savings accounts with the sort codes and account numbers, so I wrote down my First Direct and Barclays accounts. It's been a week and I got an email today…
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Bank account options for someone with dementia
My mother is at the relatively early stages of dementia. We have enacted power of attorney for her, but we still want her to have as much freedom as possible. She is good with cashpoint machines and paying for things she buys in the shop with a credit or debit card. However she is regularly targeted to buy things over the…
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Can I use 'Visa debit' card - where it says 'Visa'?
Only a few shopping sites show the 'Visa debit' logo but it seems all of them show 'Visa'. Funds allowing obviously.
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Tesco bank hack - warning
I know I am probably preaching to the experts here but just a warning be extremely wary of anybody sending you emails or calling you pretending to be from Tesco Bank saying we know your account has been hacked and you are due compensation etc etc. don't click on any links in emails following the TalkTalk hack there were…
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USD Bank Account in the UK?
Does anyone know of a provider that will allow me to open a USD bank account please? I was told Citigroup did this, but now I only see their Citigold which requires an average of £150k or has a £75/month fee. Cannot use HSBC.
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Can I switch banks but leave mortgage where it is?
Hi I want to switch our bank account, we have a barclays additions active account. Barclays are changing it as they no longer have that account, and the monthly fee will go up. We still want a packaged account as we make use of the breakdown cover, mobile phone insurance and travel insurance. So we thought the Nationwide…
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Cashing a USD cashiers cheque
Hi I have been sent a USD cashiers cheque for around $12,000. Any advice on the best place to cash it would be much appreciated. I have banking with LLoyds TSB, spoke to them briefly and they will return to the States taking around six weeks and high fees. Can possibly open another account with Bank of Scotland or other…
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MSE News: Barclays Blue Rewards are now tax-free – act now to get £55 extra a year
Sign up to Barclays Blue Rewards scheme by 30 November and you'll get double rewards for the first month...Read the full story: 'Barclays Blue Rewards are now tax-free – act now to get a free £55 in a year' Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works,…
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best place to keep £18,000?
Currently I have 3 bank accounts I keep my money in, I also have a couple more for perks like travel insurance (Nationwide) and cashback (Halifax Reward) where I just cycle money through every month. And a couple of Tesco savings accounts for the DDs with about £100 each in them. I also have just over £1,000 "under the…
