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Question about basic account (A&L and Fraud)
Before anyone says anything, just a first note, i am not a fraudster! lol. I am curious though about what i just read. I was looking through a PDF of basic bank accounts for people with poor credit history, etc. There was a list of maybe 20 banks, and every single one said you could be declined if you are "bankrupt, or…
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PIN Fraud Sparks Bank Alert - U.A.E.
If you've used your plastic card in the Dubai or Abu Dhabi then check your statements. "banks warned hundreds of thousands of customers today that their accounts may be compromised and urged them to change their personal identification (PIN) numbers immediately. "On Aug 26, the US Embassy warned citizens in the UAE about…
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Bill Problems
Hey, hope this is the right part of the forum. Basically I'm a 2nd year student, moved into a house etc. But I'm pretty concerned with one of the bills, not that I have to pay it that's cool. However my name is on one of the bills with one of my housemates. Now this doesn't sound too bad but she has masses of debt even…
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Insurance company not paying our money back
Hello, I am new to this and am unsure of the process but here goes. My partner had an insurance policy with sky insurance with the finance done through Amber credit. He rang in Feb a couple of days after the new policy started and canceled it with sky insurance as well as changing our address. He received a letter saying…
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How do you budget?
Hi I am intregued as other folks budget themselves. I use this stragegy now, to stop me getting to the end of the month and being broke. On my monthly pay day, I calculate all my DDs and other nessecary expenditures- e.g a gig ticket, or winter coat, train season ticket, and then subtract pay from this total. Whats left…
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Being squeezed
Don't know if this is the right place to post this so feel free to move it if necessary. Is anyone else fed up being the fall guys for every increase there is:mad: . The people on low incomes get help, the people at the top end don't feel the pinch but what about us in the middle? We've worked hard and saved hard all our…
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Lloyds Tsb Cash Account
Hello, i went into Lloyd's Tsb today and opened a cash account, i have received sort code and pin number from the assistant today and she informed me my card would arrive in 5-7 days now my question is What type of card will i get??? The lady at the bank said it would be a card used for just withdrawing at ATM and not for…
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Nationwide secure message times
I just sent a (non urgent) query to NW through the secure messaging facility - the first for a while. When I try to 'submit' the message however it now redirects to an 'FAQ' page and then advises that all replies are now subject to a waiting time of upto 5 working days! (It used to be: 'we aim to reply within 48 hours'…
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Electoral Roll/Credit Report question
My local council informed me that I will be added to the Electoral Roll on 1st DEcember. Any idea when this will actually show up on my files at Experian and Equifax?
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Building "internal" score with bank
Does it make a great deal of difference whether your salary is paid into your account by BACs or cheque, when it comes to building up internal behavioural score? Does it make any difference whether it's weekly or monthly? Also does never going overdrawn help? Or does it make the bank happier if you actually do use your…
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2nd income bank account ?
I have a small business which I run in addition to my main job and would obviously like to keep the finances separate. At the moment, the income is no more than £200-300 per month (although that could increase) and payments are mostly by BACS (but I need to be able to pay in cheques too) and I'd like to be able to manage…
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Advice on closing A&L acct
I'm fed up with A&L's mess ups & plan to close my premier direct account. I've a small credit balance & no cheques / DDs due to be drawn on it. I've just sent a £500 credit into the account which is set up to be returned in a couple of days so as to ensure that I don't get stung for failing to meet the minimum monthly…
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Barclays is going to court and they are charging us £22per week for going overdraft
Dear All I have been charged 3lots of £22.00 per week, as i went overdraft in august for £3.00 more. I checked my account and noticed I had over £70 interest. I called customer services and then spoken to a manager, both said these are the new policy for Barclays. Noone in the Bank have the authorised to refund the…
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Strict Banks vs Lenient Banks....
Which banks have very strict criteria when it comes to credit scoring and opening current accounts and which bank accounts are really easy to get?? In my experience, Halifax are quite strict. They gave me an account with Visa debit card but despite my running account really well and always paying regular money and keeping…
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Agreement in principal
I have had bad credit history in the past and have just applied for a Natwest Current account and it has been agreed in principal does that mean I have the account or do they still need to do credit checks on me? If its all past how long does it take to get my card and things?
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Yorkshire Bank Maestro Card - Warning
For those of you who have a Yorkshire Bank Cash account with a maestro card a small warning. I used my card at a pay at the pump , worked perfectly. When i checked my balance, only £1.00 had been deducted.. It is day three now and still no deduction of the £60 i spent. So beware if you are using this account to spend only…
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Cashminder, declined/accepted/declined/accepted. Wots going on?
I applied for a co-op cashminder account on Friday last week and was told the app was referred, and to phone back in 3/4 days to find out if i hadnt heard anything. I called back yesterday and was told it had been declined but would not tell me why, i received a letter this morning saying congratulations you have been…
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very annoyed with HSBC
I have 2 accounts with them, one with £1700 overdraft, one with £200. I shifted all the DD to the main account, leaving the £200 OD with no use. A DD went out of this account (the insurance companies mistake, they admitted) and put me £8.20 over my OD. I didnt know this, and had a call from HSBC this morning. They told me…
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Is this fraud?
I'll try and keep this brief ... a friend of mine who is in the early stages of divorcing her husband has just discovered that their joint account has been closed. She has not signed anything but the bank say they have documentation with 2 signatures ... clearly her ex must have forged her signature. She was enquiring…
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problem with Alliance&Leicester overdraft. advice needed
i used to have an alliance&leicester account but afer chatting with my partner, we decided life would be much simpler if we had one joint account for our wages, bills etc. so we opted for her natwest one. foolishly, i didnt close down my A&L account straight away, mainly due to a £750 overdraft i had on it which we needed…