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Struggling to confirm if Nationwide Flex Plus needs active Direct Debits
I've had a letter from Tesco saying they are going to cancel the DDs into my Tesco savings accounts. It looks like I use this facility to meet a DD requirement for my Flex Plus account (not my main current account), and I'm trying to check if this will be necessary after Tesco cancel the DDs. I can't see any DD requirement…
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basic bank account VS current bank account
Hi. I currently hold a basic bank account with the co-operative bank - this was opened whilst under an IVA. My local co-op branch is now closing so I'm looking to change to Barclays. however, I'm no longer under an IVA so I'm unsure whether to stick with a basic bank account or get a current account instead? Would a…
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Warning - First Direct
Hi Just a quick warning in case anyone might be caught out. I currently have a bank account with First Direct and a linked every day saver account. I recently had a letter to say the saver was dormant and would be closed if they didn't hear from me. I called them to say this was fine and to credit the few pounds in it to…
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M&S bank switch incentive - gift card
What is the best way to turn my gift card into cold hard cash, please. :D
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Visa debit card "declined" but money taken from account!??
Good morning i have an issue and need some advice hopefully there some bank account/visa debit card experts here? On friday 13th i went as usual to buy my weekly bus ticket on the First Bus M-tickets app ( i have never had this problem before) but when i clicked checkout i selected my card and instantly the screen came…
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I already hold one current account with Halifax, would Lloyd's be a good 2nd?
I plan to upgrade to a Reward account soon, but also I am considering setting up a second current account after reading on here having more than one account can be helpful. Would Lloyd's be a good bank to get a second account with? Also, what are the chances of them giving me a current account rather than just a basic…
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Prepaid debit cards that support Apple Pay
Do any of the prepaid debit cards support Apple Pay & Android Pay? I know some of the cards themselves are contactless but can't easily see which if any support being the payment method behind contactless phone payments. Thanks
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Can Banks overturn declined Current Account Applications?
Hi There, I've got an appointment with HSBC today to try to open a student account with them. I'm just worried about the whole 'credit scoring process'. I have 7 defaults on my credit file from when I was younger and very reckless with money, and I make no excuses for that. I've paid 5 of them off fully, with 2 to be put…
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Would any of the banks do this to try and recover damage costs?
Let's say for example a guy goes to his local branch of Halifax to complain because his card keeps on getting declined everywhere he tries to make a purchase. When he is told it's because he is in an unauthorised overdraft and nothing can be done to rectify this, it's his responsibility to manage his spending better, he…
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Do HSBC accept PDF statements as proof of address?
Hi there, I've got an appointment with HSBC to open an account. Does anybody know if they accept PDF bank statements as proof of address? The identification guidance isn't very clear.
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Next Bank Promotion
Lloyd’s and BOS have just announced that their current account interest rate is coming down to 1.50%. Earlier in the year, Natwest, uncharacteristicly, offered a £125 switching bonus incentive. One bad and one good for customers. Lloyd’s and BOS will lose customers and NatWest will gain customers although I’m not sure if…
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HSBC Premier automatic upgrade
Hi, has anyone been automatically upgraded from the Advance account to the Premier account if there is enough money going through it and you meet the other requirements (insurance etc)?
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Debt Collectors Coming After Person Who No Longer Lives Here
I’ve lived in the property 18 months now; previous tenant (AB) moved out before then. AB still receives some post, including from bank at my address. Recently, AB received a chasing letter from a debt collector. I don’t see how AB will get this letter since there is no forwarding address and AB doesn’t collect mail. So, I…
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No charges for bounced DDs
Hi I'm looking for a bank account that doesn't charge for failed Direct Debits - any ideas?
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Closing account via letter tips?
hi all, I need to send a closure letter to 3 banks for current accounts... what details should i include or will : please close sort code and account xxxx , thanks, name be enough? Sounds silly but im really not sure ... never done it via letter !
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Advice on Chargeback
I have a question regarding chargeback and the circumstances in which it can be used. The scenario is an online debit card purchase for £450, and the purchaser then discovers reviews of the website that make them regret their decision to buy from that particular supplier. The reviews include non-delivery of goods, not…
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Mortgage post IVA
Dear all I have completed a 5 year IVA oct 2017, completion certificate arrived end of Jan. Went to bank with the good credit wife, march 2018 Natwest were hopeful, I wasnt and my wife had a large deposit. We passed the soft credit check, i was amazed. we then went through the whole process i declared the IVA,…
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Withdrawing cash abroad
Am I correct is assuming that my Nationwide FlexPlus current account is the best way to withdraw cash abroad assuming I don't want to go through the process of paying off a credit card earlier than the usual direct debit?
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Casual spending bank account
Hi all Can any of you recommend a bank account that may be best for casual spending (no mortgage payments, household debits, salary payments, etc.)? I find my main bank account gets flooded with all these small contactless payments and ebay/amazon type little purchases. This makes it a pain when I want to analyse my main…
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CFIAS marker against my name. HELP
Hello, I’m not here for sympathy, it’s my own fault. Last year I made some really stupid decisions involving my bank account and even when I tried to back out and stop, I was threatened into proceeding. Half a year later, I’m sat here with at least 3 CFIAS markers from different banks against my name (3 different banks…
