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Banking options with easy access + interest
I am looking to close my Santander Lite account and need a replacement which pays interest of some kind (as opposed to none) I already have the following to maximise my savings; HSBC advance (main account for every day use £1750 pay in requirement) and their 5% 12month saver product opened end Nov. 2 x tesco 3% accounts…
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Santander Select Debit card
Hi I just opened a new Select Account, does anyone know does the black visa debit card comes in 2 flavours MFC and MFC Online in the same way the red card does, or is it just one card ? I believe 454742... is MFC, and 475714 is Online ?
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Bank recommendations
I’m looking for a new bank account for my hubby, at present he’s with Lloyd’s and pays a monthly fee for his personal account. We want a non-fee account, no frills. He saves £100 a month into this account which is really used to save up for hols. He is self employed so his business account is his main account. All the…
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Bank not paying Standing Order
Hello My husband has a standing order set up from his current account into our joint account which pays the bills. We call it the "House Account". His bank Lloyds is taking the money from his account but it isn't being paid into the "House Account". This has happened on multiple occasions and caused us to go into an…
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Lloyds ppi
HI I PUT IN FOR PPI FOR LOANS and credit cards last year but Lloyds said they couldn't find anything even though I provided card numbers. so I tried again 6 weeks ago and had a phone call about the credit cards. I had a limit of £7k and was up to its limit at the time. they said I should receive a letter by the 4th of…
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Discovering how bad TSB are
I've just opened an account to get their interest deal. Thank god that's all I'm using it for. My activation code arrived today. But the website doesn't accept it. There's a 'generic exception' code every time I try to use it. And the mobile banking app is so crap it won't even download. Are TSB going under because they…
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Current Account Switching Service Issues
Hi All, I identified a gap in consumer support for Current Account Switching Service. I had an issue with a salary payment after switching accounts. As per all of the guidance available I contacted my new bank - RBS. To cut a long story short RBS repeatedly refused to investigate the switching service despite significant…
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Best app for home budgeting?
For the past 4 or so years I have been a YNAB evangelist and used it to track my spending and set budgets. However, I've stopped budgeting the last six months (and know that we are wasting money as a result!!) and so had cancelled my account. I either need to start again with YNAB (and pay the huge up front fee!) or start…
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Nationwide sending letters to dead customer
My husband died 13 years ago and Nationwide were informed at the time. Every year they are still sending letters to him. I have phoned them, written to them, sent copies of his death certificate and have been assured that I will receive no more correspondence. But still the letters arrive. I suspect that the account is…
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app-based banking & BREXIT
Seems like most of the app-only banks (Revolut, Monzo, Starling...) are UK registered(?) How could Brexit (hard/soft/no deal) impact their services? I'm a Brit but, live in Switzerland and bank in the UK, Switzerland & Germany thx
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Opening an account for a vulnerable person with CIFAS Marker
Hi there, A bit of background, I am a support worker for a women's DV/SV organisation. I am current working with a young person who has been a victim of several grooming gangs and within that abuse this person's bank account (HSBC) was used for money laundering by the perpetrators and the account was closed down. We are in…
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Cifas Notification
Hi My dear 'ole ma has received a letter from a well know high street retailer advising her that it appears someone has tried to obtain credit (I assume) using her details, and that they have placed a Cifas marker against her / address. I don't have the letter in front of me so cannot remember if there was a Cifas number…
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Paying a cheque in using a phone
I've tried really hard to pay a cheque into my bank account using an app on my mobile phone. I spent ages trying to get the phone camera position in just the right way and at the right height with enough light but nothing worked. I eventually gave up and took the cheque to the Post Office. A friend has just said that she's…
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Bank Account Swithching
Can anyone recommend a good bank account to switch to for a cash reward? Currently with Halifax.
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Indemnity issues
Hi, Apologies if this isn't the right place to post. I had a transaction show on my bank as a PayPal payment that wasn't showing on my PayPal account. Paypal had confirmed my PayPal was up to date and that they couldn't see this particular transaction. I then received a new bank card in the post with a fraud alert. I…
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Do you have to close your existing account when switching?
I've been looking at some of the switching bonuses and would like to maximise what I can achieve in a short period of time. However, am I right in thinking if you switch your current account using the service, it will always close the old account? In an ideal world I'd switch, then switch again and just move money around…
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Tsb compensation for multiple reasons.
So, this is quite complicated, I had a fraudulent charge attempted on my basic current account, the bank flagged it, contacted me and didn't authorise the transaction. No issues there. They then ordered me a new card, I waited a week for it, it didn't come so I called them and they sent a new one. That one didn't arrive so…
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Current Account with NO Overdraft
So - I have a current account where my wages and direct debits come from. I have an account with £2500 overdraft. I want an account where I can have money on the card and pay with that but know that if I am not paying attention and try to pay more than what is available on the card it will be declined! None of this…
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How can I realistically live on a £15k/25k salary?
Hello, this seems like a great forum for advice about money so I thought I'd make a post about my situation and how to plan for the coming years. I have been living at home all my life (25 years, fortunate enough to have essentially no living costs), and I am about to start a career which has an entry salary of ~£15-18k.…
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First Direct free gift
I'm not sure if I am posting in the right place. I opened a 1st direct account. At the end of October I received the link for my free gift which is part of their opening deal. I made my selection and received confirmation on 12/11/18 and that I would receive confirmation from DPD Delivery regarding delivery within 30 days…
