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HSBC Advance Bank Account
Using the Moneysavingexpert link I tried to open an HSBC Advance Bank Account. The response: Application outcome We're sorry, we're unable to offer you an HSBC Advance Account at the moment. However, we can offer you an HSBC Bank Account. You can ask us to reconsider your application, please give us a call on 03457 404…
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Subject access request
Hello I sent out a sar to the royal Bank of Scotland on the 5th. Of December and to date I have not received anything back from them. I also sent another one on the same date to Halifax and received the information from them within 10 days. Do i just send out another sar to the royal Bank? Or do I report this and to whom?…
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Lowest fees for Direct Debit provider (Business)?
Hi everyone I am being charged 20p (minimum transaction fee) on my direct debits that I receive from my customers. Is there a cheaper Direct Debit provider that offers lower minimum fees? The company who I am with will not lower my fees until I reach 60k transactions per month, despite me having a gew thousand already,…
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Santander - Data Protection
Hi, Santander opened a business bank account for a Ltd Co that was technically insolvent against my home address (and refused to stop using my home address for their customer for 10 months). Can I ask to receive a copy of the application form and correspondence, as my home address is my identifiable personal data? I…
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Overdraft & Low Income
My wife is with Santander and due to a number of factors hasn’t been able to return to work following maternity. She has around £500 incoming and direct debits going out however due to the banks high charges it has pulled her to the overdraft limit. She’s looking at paying off her overdraft and moving banks but which bank…
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Nationwide phone app question
Hi all, apologies if this is a bit long winded or maybe a stupid question. So, my daughter and her best friend are buying their first property together as it's the only way they can afford to get on the property ladder and escape renting. I've suggested to them, that in addition to their own personal bank accounts, it…
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Dormant account - Lloyds/TSB
I'm not sure if anyone is able to help but I have a dormant bank account with Lloyds Bank/TSB but after using the mylostaccount website I received an email back a few days ago to say that the account couldn't be found. I was wondering what is the next step as I've been into my local Lloyds branch a few times over the over…
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M&S Bank Current Account
I'd like to open an account to make use of the regular saver but I'm not interested in jumping through the hoops for the gift cards. I don't meet the DD requirement anyway and not bothered about them. Literally just want to use it to fund the RS. Can I do this? Or do I still have to pay in £1,250 and have 4 DD to…
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Bank Locked Us In without consent False Imprisonment
A bunch of customers (with mental capacity!) were locked in a bank branch a week ago. Lack of consent was clearly expressed, but the bank didn't let them out. They decided it would be convenient for them to change out an internal money machine, at no point did they announce 'we need to do maintenance if you want to leave…
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Joint Accounts
Good Morning Everyone, Me and my partner are starting the process of housebuying and as such are looking at the idea of setting up a joint account for all household expenditure. I have noticed the best current accounts on the market at the minute all require a complete account switch, in order to access the benefits. My…
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Partial bank transfers - joint to sole ?
Hi My partner and I have a joint account but we’d like to move one of us out and into a sole account somewhere else ? All of the offers we’ve seen for new accounts, with the nice set up bonus all want you to use their switching service and to close the older account down in the end. Has anyone moved half of a joint account…
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Offline/ Online & Credit scores
Does your credit score affect the likelihood of your contactless debit/ credit card being authorised for offline payments (contactless or otherwise)? My credit score in 2016 was 599/700, and I’d say 90% of my contactless transactions went through offline, funds taken up to a week later. Now I’m noticing, with my score…
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How to apply for credit card without 3 years previous uk address history?
Hi all, Posting on behalf of my german partner. She has lived in the uk for 6 months now and is working full time and registered on the electoral roll and has a uk bank account. We thought this was enough however she was declined a car finance deal in sept so been advised to get any CC to start building up her credit…
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Ughhh Banking and a US Dollar Cheque
I have a weird question to which I am getting really frustrated about. Its a long story that I will try to no embellish too much. The company I work for to which I own some shares, sold part of itself last year. Due to the sale, I was given 20 shares in the other company. They were held by a different share manager Called…
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Cancelling Direct Debit on Joint Account
A friend has been presented with a situation and needs some guidance. She has a joint account with her partner into which both their salaries were paid. Her partner set up a direct debit to a saving account on a single signatory basis (he did not tell her, she did not sign anything). I understand she does not have access…
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Transaction add up to less then what bank account says I have.
I got paid £885.00 on the first of January, I've gone on my online banking and added up all the outgoing transactions which added upto £776.00 which would mean i would have around £110 left yet my account says available balance £1.38, there is no pending transactions and all payments are cleared, so I'm not sure why there…
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Another switching thread
OH and I have a joint account, but we've decided to call it a day and go our separate ways. So, we're going to need two sole bank accounts. I know you can't switch from joint to sole, but I think one of us at least should attempt to get some sort of switching bonus. Money is going to be tight for both of us, so daft not to…
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Lloyds Save the Change
Does anyone know if any other banks do a similar facility to save the change (where the bank rounds up to the pound and transfers to a savings account) Thanks
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advice re accounts
Hi I have a number of accounts with different banks and I am doing a bit of spring cleaning. I am checking in with you to see if I am missing a trick before I close a couple of accounts. These are on my keep them list: TSB, Santander, HSBC, Tesco, Bank of Scotland, F Direct, Nationwide, Halifax, Lloyds and HSBC. I am…
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Unexpected debit card U Mastercard
I have just received a Mastercard contactless debit card through the post from a bank (?) called U. I had never heard of them and certainly have not tried to open an account with them. I have used their contact page to message them. There are no phone numbers and no live chat (unless you log in). I am assuming this is some…
