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Day to day spending - moving away from cashback cards
For the last few years myself and OH have used the cash back credit cards as recommended on MSE for all our day to day spending. In this new economic era, being mindful of budgeting, initially for my OH's clothes / cosmetics spending, I'm considering losing the cash back benefit of these cards for either a pre-paid card…
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Smile servers down??
I tried logging in to Smile yesterday afternoon and again today but their site appears to be down. Has anybody else been having problems? I was thinking maybe its down for routine maintenance - but it seems wierd that there isn't any front page at all. Maybe someone's tried to attack them over Christmas and the site shut…
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VISA ELECTRON benefits list (should be STICKY)
Everyone will have read that VISA ELECTRON holders can benefit from no card fees when booking with Ryan Air. I suggest we use this thread to maintain a list of all other similar benefits. To add one repost the whole list with the new one added. To remove one repost the whole list with the invalid offer removed. This way…
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paying bills weekly??
hi, i was wondering if anybody knew how i can pay my bills every week without paying charges ontop? i am at the moment paying dd once a mth, but only get my money weekly so am left short each week trying to put money in the bank to pay the bills once a mth. is there any way i can divide the bills up into 52 wks and pay…
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A&L current account switching problems
Hi all, I'm in the process of switching current accounts from nationwide to A&L to take advantage of the £100 switching offer they had a while ago (just applied in time). Pretty much everything has been transferred across now but I've had a few problems and wanted to know if this is common with account switching (since I'm…
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Banks that offer a cash card with basic bank account - debit cards soon?
According to this website: http://www.moneymadeclear.fsa.gov.uk/pdfs/bank_accounts.pdf , almost all basic bank accounts come with a debit card now. The following banks don't offer a debit card as standard with their basic bank accounts: * Abbey * A & L * HSBC * Nationwide * Bank of Ireland * First Trust Bank Do you think…
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Cheque Cashing Problem
Please could someone help me. My dad gave me a cheque for £5000 for xmas which I took to my bank (Clydesdale Bank) on Friday. As I needed the money for xmas I asked the teller when the cheque would clear & she assured me it would be cleared today (24th Dec). So I deposited the cheque but it has not cleared & I really need…
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First Direct life insurance offer (improved)
This is straightfoward, and available to 'First Account' holders, provided they have not use a similar cashback offer in the past 12 months. Pay just two premiums of £5 and FD will give you £100. Then cancel.
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Random Credit from "SA"
£32.50 been credited to my current account today, purely with the description "SA.". Called HSBC and they said they have no more details but the person I spoke to had seen this before and said it was probably from the Dept of Work and Pensions. I'm baffled - I don't receive any benefits at all and have never had this…
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LLoyds TSB
Hi, LLoyds tsb last year added an address to my credit files and i have with no joy tried to get them to remove it and not had much joy... with them linking addresses to my credit file can anybody confirm a course of action or tell me if this is a breach of data protection or not???? Many Thanks
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Debit Card Transaction times
Hi, This is my first post in these forums and I'm hoping someone can give me a bit of advice! I made an order to swisscolony.com on 5th December using my Lloyds Debit Card - the total was approximately £110 as its in US$. this was earmarked on my account as usual and I didn't think any more about it. Its now 24th December…
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CO-OP Problem?
Hey, a little unsure of what's happening so could do with some help! I had left my current job earlier this month and was expecting my final wage to go in my bank account on the 19th of this month, to which it did. They paid me too much so I knew that I had to leave some in the account for when they ask for it back, which…
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HSBC Introducing Overdraft arrangement fees
Just got a letter from HSBC to say that my overdraft which I've had for years is to be arranged (for exactly the same amount) and that arrangement is to cost me £25. This is on top of the approx 18% interest they charge me when I'm overdrawn. I rang them and they said this was to be the new policy. I'm voting with my feet…
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Lloyds TSB - Current Account Statement "References"
Actually, having typed out the header for my thread, I thought to myself, "You don't mean that. You mean Lack of References." I find the garbage they are putting onto my current account statement, by way of a transaction reference, as completely inadequate and insufficient. Do others agree? Do you feel there is scope for…
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Egg Money Manager incentive
Just a cheeky question, really... My wife uses Egg Money Manager and we really like it. Could do with setting it up on my Egg account. I seem to remember from time to time that Egg offered incentives to start using this service (£10, maybe?) but they're not doing this at the moment. I'd be gutted to set this up now and…
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Question about first direct internet banking plus
HI, I just wondered if anyone could answer a question for me. I am using First Direct internet banking plus, and I wondered if there was anyway that I could transfer my data to a memory stick, so that if I wanted to use it alternating between my PC and laptop. Thanks in advance.
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another £35 charge
Hi i dont know if this is the correct board but here goes. On the 17th of Dec i knew that my mobile phone monthly charge would be stopped out of my bank (Halifax) i dint have quite enough money in the account so i paid in £10 to cover it. This morning i have received a letter from Halifax to say they could nt pay it as…
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Please recommend no hassle account
I have a friend with debt problems. They wanted to get another current account before closing their existing bank account they are not happy with. All they want is an account with a debit card. It can be on line or in branch, makes no difference. I suggested a couple of banks / building societies but none would consider…
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Time limit for funds to be released
just a quick querry, on saturday i tried purchasing a wii fit from toys r us, i used one of those wii fit stock checker websites, anyway by the tie i had put in all my details it had gone out of stock, anyway with in a space of an hour, they had stock in about 8 times, soi tried ordering it 8 times, each time to be told…
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business current account
hi all not sure i am in the right place, however does anybody no of any business accounts which are free of charge? or free at least if your in credit or nil balance?