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Bank cancelled my business overdraft by mistake now they want me to reapply!?!
My business account overdraft has been cancelled apparently following a meeting I had with them. This never happened. Head office say they received a memo from my branch asking for it to be cancelled. My branch have no idea about this. Anyway they have asked me to reapply for my overdraft in the mean time this leaves me…
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Halifax Visa Debit card - cheque guarantee?
Having sorted out my debt problems and got my credit rating back up to a decent level, I recently opened a Halifax high interest current account, and today I received my Visa Debit card... on the back it says "this is not a cheque guarantee card", which surprised me; I thought the Visa Debit cards were all cheque guarantee…
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£100 Alliance + Leicester offer in december has anyone recived it yet
Thought I would post this so as to alert everyone who took out the offer (£100 Alliance + Leicester CURRENT ACCOUNT in december) WHEN IT IS time to chase them up so when you recieve the £100 could you confirm it on here THANKS:money:
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War and Peace to the Halifax...
I've now been battling to open a savings account (regular saver) for two months. In all fairness, the account is now open, but it still has the wrong interest rate and there are other problems still to be resolved. I've come to the end of my tether and have wasted two hours of my Sunday writing chapter and verse - I wonder…
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do bank accounts improve your credit score
if you have multiple bank accounts on your credit file, presenting nice green ticks, Does this improve your credit rating and look good to lenders, even if no overdraft in place ?
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Why are Lloyds doing this?
I've got a second current account at Lloyds (my main one is at HSBC). It is a Platinum current account with some sort of interest paying thing on it called Advantage or Advance. At present I am working 2 jobs and so have two streams of income. Approx £4000 a month has been going into the Lloyds account by BACs. I keep a…
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Do I need a business account??
Hi all Don't know if I'm the right place to ask about this. I have a current account and mortgage with Barclays. I am a musician/ music teacher and some of my income( not much) is self- employed. Barclays are trying to make me open a business acc. as at the moment I'm just paying my cheques into my normal bank account and…
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The cost of the bank runnining bank/savings accounts and opening financial products
How much money does it take to manage/run/administer each customer's bank and/or savings accounts? On average, how many people open financial products per day/week? Just curious...
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Time taken for online transfer?
It has always been a major bug-bear of mine, the time it takes banks to credit your account with money which you pay in, especially if it is an "instant" on-line transfer. I was therefore delighted when banks finally stepped into the 21st century and managed to make most transfers in one day. Great, good service from the…
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My underspending diary
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 742.951 Partners monthly income after tax....... 1226.16…
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Banks snowed under
With many bank branches closed today, I wonder what will be the impact on clearing times, interest and charges.
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Living on own costs
I will be starting a new job hopefully soon where the wage will be more money. I would like to fly the nest and move out of my parents home. I have no savings at the moment, but I also no have no debt. Would I be able to afford to rent somewhere and pay the bills etc? My only outgoing is the running of my car. Can someone…
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budget effectively when I'm paid fortnightly
as the title says, I get paid fortnightly and having problems budgeting effectively. any ideas on how to work around this?
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Citibank provisional approved what does this mean?
I applied a citibank account with credit card early Jan, and got a letter on 5th/Jan said it's PROVISIONAL APPROVED and ask me to send in bank statement bills and etc, but I did do a few applications so didn't think I would get it so ignored. Three questions. 1. Does this mean I got approved just need to ID myself? Meaning…
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5 cheques not appearing in my new Halifax current account :(
I opened a new current account with Halifax a couple of months ago and duly deposited my £100. I then went into the branch 9 days ago and deposited 5 cheques, totalling £100.01. These cheques have still not appeared in my account when I view my balance online. I phoned Customer Services on Friday and was told that no, they…
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Website not asking for security number
Im booking an hotel online and they havent asked for my security number when placing the booking (Visa debit card). Its for a large amount. Will the bank still accept the payment?
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Abbey switcher service and overdrafts
I recently transferred to Abbey's in-credit current account using their switcher service. However, all of my direct debits have been switched over without the money from my old account being moved and the account closed. I am now overdrawn on the Abbey account by the amount of these direct debits. Do I have any recourse,…
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First Direct banking fee changes
Headsup: First Direct are now changing the way their charges work. From today, new applicants will have to pay the £10 banking fee each month after their first six months with the bank if they don't have a mortgage with them as well. Unlike before, you can now not escape the fee if you take out a savings account, their…
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Halifax Debit Charge
Just checked my current account with halifax and I have three if these Debit Card Service Charge 1.50 What the heck it this and why have they started charging me now since I've used it before without charge and have loads of money in the account.
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Lloyds' rates for current accounts?
Lloyds Classic Plus still paying at 2.5% (for £1000+ monthly credit)? They've amended the top rate for Classic with Vantage to 4% w.e.f. 2/2/09 but Classic plus still shows rate w.e.f. 2/1/09. Has Lloyds just not moved the rate this month (leaving it the same as the Halifax High Interest Current Account until those change…