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London living costs
In London, is a take home pay of £1420 a month after tax, pension, rent, season ticket costs and bills deducted enough to live normally? I know it’s quite comfortable in other parts of the UK but what about in London?
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Clearing Banks
Hi All. Does anyone have experience or knowledge with fund transfers from the MOD to Santander ? They said all public funds still pass through clearing banks but it’s been 10 working days now - including today and Santander keep saying, it should be in there tonight or tomorrow - but obviously this is the brush off !! ...…
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Trying to open a current bank account for the first time
I'm asking on behalf of a friend who has only got a building society and Post Office savings account. They have never had a current account and all bills are paid via paypoint cards. They were trying to open a joint current account as the Post Office account is closing and they need to open a current account up at a bank.…
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PAYPAL has cancelled my business Account
Hi, about 6 months ago, just as sales dropped off on my small online reselling business (based on Chinese imported goods) Paypal suddenly restricted my account so that I could neither receive payments or receive payments; they have effectively closed the account and have given no specific reason for this. In addition, the…
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Trustee account
My parents my left money in trust for their grandchildren naming myself and my sister as trustees. The trust will only pay out to trustees. If we open a joint trustee bank account for the money to be paid into , will this effect our own income/taxaction as account is in our names? We haven’t given a bank account to the…
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Santander transaction being weird
I bought albums from the online japanese store using my santader debit card. It went through smoothly, then I had some more orders so I purchased from them again a couple of hours later. Again, everything went smoothly. I also purchased twice on the same day from another japanese store. With this one I had some troubles, I…
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Do i need an overdraft?
Hi all I have been a customer of my bank for many many years. I have never had an overdraft before and I don't think I need one but I wanted to check. I save money each month and also i pay a credit card bill that's on a 0‰ deal which ends in September. I'm thinking of applying for a new credit card in August just so I…
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VAT for small businesses
Hi, I'm starting up a new digital marketing agency where I'll be charging clients monthly on an hourly basis. I don't expect to make more than £500 per month as profit, especially during the first year as I'll be targetting smaller local businesses. Therefore, I can't imagine that my clients will be making enough revenue…
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HSBC - Transferring of money from USD account question
I made a transfer from my HSBC USD account yesterday morning to Transferwise to convert it GBP to my main business account. All normal stuff which i've been doing for the past couple of years with no problem. However, when i logged onto my HSBC account this evening i noticed that the money was still showing as in the USD…
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HMRC owes me money and are not responding to me
HMRC sent me a cheque that went to the wrong address and when it finally got to me, it was expired. I asked the HMRC for a new cheque 2 months ago both verbally and written via post. I haven't heard anything from them re the money owed to me and i've called and been stuck in ques for hours. What should I do, can someone…
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First Direct Switch - Really Poor if your Wear Specs!
Attempting Switch to First Direct. Uploaded identity verification online - took several attempts, because wear specs: these, in accordance with passport requirements, are not in place on passport photo - so, with really poor eyesight, having to peer at screen to match image within box. "Not good enough" image match - timed…
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MSE News: Santander to close 111 branches by August - here's the full list
Santander is to close 111 branches - around 20% of its 563 UK branches - by the end of August. The bank, which blames the move on customers increasingly switching online, says this will leave 452 UK branches. We've full info on which outlets are closing and what to do if your local branch is affected... Read the full…
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Nationwide BS statements changed to paperless, without being requested
I have just received my NW statement and
noticed on the accompanying sheet that the account has been made paperless,
even though I had not requested or consented to this. To revert back to paper
statements, you need to logon and change your preferences. This is quite a departure from organisations
asking if you wish to go…
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Starling Bank and retrieval of funds
Hi all, I'm hoping somebody can help me out or shed some light on my situation. I had opened a business account with Starling and transferred money from my savings into the account. I was on the phone with a customer service advisor to set up a CHAPs payment to my solicitor in order to complete a property purchase. Account…
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Lost cheques when paying in via machine
Looking for some advice on what I can do. I went to my local Bank to pay in 20 cheques totalling over £1250 (primarily donations to the charity upon whose committee, I serve). I used the machine because there was a queue for the desk, but the machine did not process the transaction and retained the cheques. The machine…
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DD or manually transfer
I opened up a current account with Nationwide. Not for bills but mainly to save and have a backup account. Does it matter if I set up a DD or manually transfer funds myself?
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Santander closing down more than 100 branches
Another lot bite the dust. Although my local is surviving despite being demolished next year! I really think we are at the stage where banks are just using COVID as an excuse. Many customers would prefer to use the branch but cannot get there. Some people are really going to be left in the gutter.
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First Direct Text (SMS) Alerts
Any ideas on how to stop the First Direct Text (SMS) Alerts? I must have set them up a while ago. Keep receiving SMS every day which appears to be a mini statement. Today I've received 3 messages already. On 21 March, I received 8 messages. Had a look on both the Web browser Internet banking on laptop and on the smartphone…
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Santander two-factor authorisation 2FA - elderly customer
Mum has a Santander current account with a debit card. She doesn't have and doesn't want any kind of internet banking - her banking needs are very simple. She is elderly, becoming deaf and becoming housebound. She lives alone and has a landline but no mobile phone. We have a LPA in place for Mum, but she still has…
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Unfreezing account
A vulnerable relative has had their bank account frozen for the last 2 months, we have been helping out with groceries. This was due to suspicious activity on the account. It was referred to NCA Fraud but they sent a letter to the relative 2 weeks ago saying the investigation was done and no further action was to be taken.…
