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Linked accounts
Before the 2008 crash and Zurich's withdrawal from UK banking they offered an excellent banking service. The stand out feature for me was separate accounts offerred sweep transfers If I went £500 overdrawn on my No 1 account but had £500 in my No 2 account it would automatically sweep across avoiding unnecessary overdraft…
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BoS overdraft fee/interest query
I've got a Bank of Scotland Platinum current account, which has a fee free overdraft up to £300, however my current planned overdraft is £2000. Last month I managed to stay within the £300 limit, however I've still been charged a £6 overdraft usage fee, along with £6.91 interest. My understanding was that as long as I…
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Been offered 4th BoS current a/c
On my online banking screen there's a blue strip on which is typed 'Open another bank account with us - perfect for managing monthly bills'. As I already have 3 Vantage accounts, I don't really want to waste the time applying if somebody else has!
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TSB Plus Account
I've just tried to set up the TSB plus account twice and come up with the following error. I'll have to try again later. We've encountered an error We're sorry but something has gone wrong and we've had to end your session. If you were in the middle of doing something such as applying for a credit card, you'll need to…
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Switched bank accounts - payments going missing
I switched bank accounts earlier this year, from Santander to Co-operative and was told that any payments made to my now-closed Santander account will go into my Co-op account instead. This has mostly been happening, but two payments have since gone amiss. The payers say the money is out of their bank account, Santander…
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Length of account history
Hi Need to do some finance housekeeping. We run a joint budget with each partner having personal account plus a joint Santander 123 account. Santander 123 account has all bills coming from it. With new account fees and reduction in interest, it's not really worry us using for interest rates. We have about £4K in Santander…
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Co-Op Bank Switching Incentive - 30 Transactions?!
According to the latest MSE email, the Co-Op switching incentive requires you to have 30 Debit card transactions per month - but having checked the terms and conditions I see no mention of this anywhere. Can anyone here clarify? http://www.co-operativebank.co.uk/currentaccounts
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No credit history, how to get a bank account?
I'm an expat for the last 35 years. I'm planning a return to the UK. The first thing I want to do is set up a basic bank account. How can I set one up? Can I set it up before I return to the UK?
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TSB savings accounts
Hi all, I woke up at stupid o'clock a d couldn't get back to sleep so decided to organise my finances. I applied for a TSB Classic Account. It appears to credit you with £5 per month and an additional £5 if you make 20 debit card purchases... Which I probably do some months. Almost a year ago I switched to a Barclays blue…
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How to prove what account I sent the money to?
Is there any bank which shows in its statements where (as in, to what sort code and acct #) a client sent money when she made a wire transfer? AFAIK all statements show date, amount, and name of payee, but none of this proves that money was, in fact, sent to the correct account. I ask because I once got in a dispute with…
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Co-op have incredible offer on EveryDay Extra Account
Tried to sign up to Halifax last night, but their website didn't allow me to enter my previous international address so gave up. Checked Co-Op's offer and couldn't see it mentioned on MSE's banking offers - they just talk about the regular account. This is the Everyday Extra Current Account You get: 125 for switching…
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Strange Bank Credit to my Nationwide account
I checked my bank statement with Nationwide online yesterday and discovered a Bank credit of £0.01p from a source with only a R as a sort code Was R with 8 digits behind it I phoned Nationwide and they could not identify where it had come from Any idea's Thanks
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Nationwide FlexDirect Joint Account
Hi, I am in the process on opening a Nationwide FlexDirect Joint Account, can anyone tell me if both account holders qualify for the FlexDirect - 5% interest for 12 months each, does this then mean that the balance of the account needs to be maintained at £5,000 being £2,500 for each account holder.
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Euro Accounts in UK and Italy
My relative, a UK citizen has worked in the Far East and is moving to a job in Milan, where she will live and work under a UK contract. She is being paid in € into a UK bank account, but will need access to cash in Milan for living expenses; She has a HSBC account in UK which will make a charge for accepting Euros, and…
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Club Lloyds lifestyle benefits
Does anyone else have the cinema tickets as their lifestyle benefit? I was just wondering if they are transferable? I don't really do cinemas, but my wife does so I'd like to give them to her.
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Halifax Have Wrong Address
My daughter has just discovered that the address that Halifax hold for her is completely wrong. She didn't inform them of this new address, although she did move house a few months ago. I would have thought that you get correspondence and maybe a text alert informing you of change of address in case of fraud. Anyone care…
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Paid Cheque in at wrong bank
Hi all, I've just started in a new job and seemingly was on autopilot! I paid several business cheques meant for an HSBC account in at a Natwest branch using an HSBC pay in slip! The teller at Natwest didn't notice my mistake either and stamped my pay in book. The two branches are virtually across the road from each other.…
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DDs taken early
Natwest take DDs from my account on Friday if they are due the following Monday. I have taken this to the Financial Services Ombudsman and he doesn't seem to be interested. In a previous (closed) thread, chambta said"The bank has been told to look into the effects of this - primarily the pre-positioning of debits on…
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European banks for students
My son is about to spend a year studying abroad what is the best bank account for him so he isn't stung by bank charges
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Making Large Payments
I needed to transfer a large amount of money recently - nearly £50K. TSB told me it would be a CHAPS payment which would cost £30 and could only be done in branch - I agreed because it was time sensitive and didn't want to waste time arguing. What annoyed me was it ended up being slower than an online payment - nearly 2…
