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Nat West
Weird day. Have been with Natwest for years. Never been overdrawn or anything like that. Have a credit card with them and an agreed overdraft of £1000 that was prearranged. Suddenly today i got a letter simply stating they were closing my account after having reviewed it, that they would give no explanations or references…
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NWBS Flex Ac?
Hi All, Now that I can no longer get a Reg Saver from NWBS and the interest rate is paltry on my current account and the savings account, is there any point in me keeping this account open? I'm just working on simplifying accounts and have the option of clearing and closing the account or leaving a £10 balance. I will not…
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Recording POA spending
I'm now running my DM's financails via POA and keeping meticulous records of everything. I have set up a spreadsheet to record every cash transaction and every card one, however I have a query. Not having any background in accountancy I would appreciate a little advice please. Every so often I withdraw cash from DM's…
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Unpaid cheque
Paid a cheque in for £2000 on Friday using the self service machine at Halifax. Said the funds will be available at the end of today. I checked my account ealier online and it said "unpaid cheque -£2000 Unset" Does this mean the cheque bounced? The person who gave me the cheque assures me he has enough in his account and i…
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11k overdraft
My bank has offered me an arranged overdraft offer of 1k
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Paying with your Phone
Ive seen a few threads on here in which people are paying through your phone i.e google pay and amazon pay. I must admit ive never done this and ive always used my card to make payment. From thinking about it a little more i see it has its benefits, i.e no need to carry card or if you forgot your card at home, the fact it…
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Budgeting weekly
Hi all, just a quick queston. my income comes in weekly, and a lot of my bills comes out monthly apart from my rent, which i pay each week when i get paid. at the minute i just divide the monthly amount by 4. obviously 4 weeks is (28 days). how do i count for the other days tho if a month has more than 28 days. cheers Ben…
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HSBC switch offer
Cannot find a thread on it, and I suspect most users of this forum will be ineligible, but HSBC are offering £175 to switch to them from today (£75 for their lesser account)
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RBS have cancelled my Google Pay without reason or warning.
Hi folks wondering if anyone has any advice on my next steps. A little bit of background on my issue, I have a terrible habit of losing bank cards or putting them through the washing machine so I now tend to keep my card safe at home and use google pay when I'm out and about as I always have my phone with me. A few days…
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Budgeting some spending money?
For the longest time I've always saved money. Even as a child, I'd have a drawer of cash saved from birthdays and christmasses. Into adult hood, I worked and saves, finally able to purchase a house 2 years ago. A lot of money has been spent on the house and I've continued to be careful with money. Lodger rent money has…
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Debt advice needed for reduced outgoings
This is my first post on here so please just helpful advice and no judgement. I need help working out how to reduce our monthly outgoings My partner earns between £2500 and £3500 each month (commission based) I previously earned £1550 each month, I am on maternity leave currently and will be returning to work part time so…
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Overdraft for direct debits
Hi, I’m pretty sure this is fine but do you ever get when you start to overthink something really simple and completely over complicate it? I have about £800 worth of direct debits due in the next few days but only around £500 in my account. Christmas etc :eek: I have a planned overdraft of £1000. Will the bank…
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Joint Budgeting- new year, new plan.
Hi, Looking for a bit of advice about organising joint spending. Our current family set up is both salaries are paid into a joint current account. Each month an allowance is transferred to a personal account for our own spending and the balance remains to cover joint bills, food, maintenance etc. We have always used a…
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Coins
Question please? I’m going to try and track my spending this month using physical money rather than plastic. Is it possible to ask my bank to give me £100 in coins? £1’s when I do. Cheers.
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PayPal payment pending - how to see which card?
I hope this is the right board. I placed an order and checked out through PayPal. The product is currently on back order, and so the payment has not yet been processed, and is showing as pending on my PayPal account. All fine, but I now can’t remember which card I used for the PayPal payment, and I need to make sure there…
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Barclays account - money appeared in account
Hi, I have barclays account. A few weeks ago on a Saturday I checked my account and I had an extra 1000 in my account. I thought this was a payment I was waiting for and just wasn't showing as a Saturday. I paid a number of bills with it. I checked my account later and it was in a negative balance. It looks like payments a…
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Co-operative Bank Hedge-Funders Looking to Sell
The hedge-funders who own the Co-operative Bank are working with Goldman Sachs to court potential buyers. More information here. Lloyds Banking Group, RBS and Barclays are said to have been approached. As a Co-operative Bank customer I am very interested in what you guys think might happen. Quite obviously it's all…
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Earning interest twice
If I make a transaction on my Bank of Scotland current account at a weekend, it is dated the next working day. If I make a transaction on my Tesco current account, it is dated that day. Does it then follow if I transfer £2k from my BoS account to my Tesco account on a Saturday, does that £2k earn 1% interest for two days…
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Want to close down some account and simplify my life
Hello everyone! So i will get right to it! I have different bank accounts with different banks. I want to close down atleast 2 of 4. I just need a main account and an account to pay off debts and direct debits. Currently I have Barclays basic Llloyds basic Virgin Money basic Natwest Foundation.. Which do you think i should…
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First Direct FACE ID App Isssues
anyone having these problems? Recently upgraded to an iphone 11 (not me, mum) and before she had no problem with using her iphone 8 for First Direct. Fingerprint login However she cant login with the FACEID for First Direct. All other banking apps are fine with the face id for her but the first direct keeps saying not…
