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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…
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Bank Giro Credit
I want to make a payment by Bank Giro Credit to a UK bank account rather than BACS or Faster Payments. Is their a way I can do this.
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Can anyone tell me...
The best basic bank account if you are about to go on a DMP or doesn't it matter?? Thank you
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Current Account for a Small Club
Hi there, Im setting up a small club to run buses to football games. Can anyone recommend what would be the best bank account to get? Must have a cheque book Must have no OD facility Must require 2 or more signatures for all transactions - (I say all because I have an RBS joint account that requires 2 signatures yet I can…
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HFC direct debit without my permission
Hello all, I'm just looking for a bit of advice. I went to my bank yesterday (barclays) to see what direct debits were coming off, they gave me a printed breakdown. HFC bank seem to be taking £15.00 out of my account without my permission, I have never had a loan, why would they be taking money off me? Something doesnt…
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Help! Abbey reclaiming my overdraft-where do i stand?
Hi guys, woke up this morning planning my Sunday when i checked my internet banking and noticed my overdraft was halved. I have a graduate account, overdraft was £1900 but now as of 01/09 its going down to £1000. i didnt recieve any notification of this, my balance was -1200 leaving me with £700 left but now Abbey say my…
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Nationwide foundation???
Hi, Me and my OH are applying for a joint account with Nationwide so we can use the debit card when we go to Italy in a few weeks. I have received a letter this morning to say its been approved and can we just sign our lives away to say we agree with the t & cs and send it back. On the back of this it says about…
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Debit Interest on HSBC Account
You'll have to excuse my confusion here. I have a £1500 interest free overdraft on my HSBC account. I have never gone over this overdraft limit, at most hitting about £1000 overdrawn. I find today a notice on my internet banking telling me that I am being charged "debit interest" between 17/09/2007 and 16/10/2007 for the…
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Abbey 8% Current Account question
Hi Everyone, Ive got a question regarding Abbey's 8% Current account. I opened this account two months ago, made a deposit of £2500 and then started paying £1000 every month in this account. This is what Abbey's requirements are that they pay 8% interest upto £2500 if you pay in a minimum of £1000 every month. But the…
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Can see ex-wife's account details on NatWest online banking
Got divorced two years ago. Used to have joint account with NatWest, but that split on the divorce. Just signed up for online banking, and discovered I can see her account details, withdraw money etc.... I don't think she's aware of this! What are our rights on this? Are NatWest culpable? Are there data protection…
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Can opening multiple current accounts affect credit rating?
Will opening up a RBOS student account, to put the interest free overdraft into my savings account, affect my credit rating if I already have 2 current accounts? I currently have a Bank of Scotland student account, which I opened last year, with a maximum overdraft of £500 (im hoping to get this increased when my student…
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overdrawn with abbey national
Hi, i have a current account with abbey national and went on holiday recently. while i was on holiday i thought i had enough money in my bank acount to top my phone up so i used my debit card to do it. just got back and checked my internet banking and my balance says it is -17 pounds or something like that. i dont have an…
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Why Can't I Get An Overdraft On My Alliance And Leicester Account?
I opened my premier direct current account over a year ago, at the time I said I didn't want an overdraft, but I hve phoned about 3 times in the past 12 months looking a small £100 overdraft, Today I asked "Can I get an overdraft?" "Hold on to I check, No its not letting me" "Why can I not get an overdraft? I have asked…
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Natwest closed my account, with money in it!
I have had a natwest step account for a couple years, to be honest i have not really used it much because ive been using another account, however i received a letter saying my banking services will be terminated with immediate effect (i thought they had to give you notice!). I presume this is because i havent used the…