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Sephora interest
The banks that do interest under sephora law where interest is ilegal. How can they do it? Must we pay tax on it?
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Bank declined direct debit
Lloyds keep cancelling or not sending money to pay my bills. I'm behind on all my bill including rent. We are having to pay everything back and paying more in order to catch up
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bank account switch query
Have received house sale proceeds into a TSB current account and want to switch banks, will it flag up any problems as the house money has only just gone in? Also do I just transfer money from a savings account to the current before switching? There appears to be a lot of faffing about to close TSB accounts can I just…
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Refusal to open a savings account under a Power of Attorney
I am really cross as, for the second time I have found that I cannot access a good fixed rate account for my friend for whom I hold PoA because of the PoA! This is “Saga Savings Platform Powered by Flagstone”, which has replaced Saga Savings, which DID allow me to save with them under the PoA. They could only say that they…
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How can I make the most out of my money?
I'm interested in trying to find out the views of others on how I can earn cashback or better interest on our money and how others budget/spend each month. Here's our scenario and what I currently do. Both mine and my wife's wage get paid into a Co-op Cashminder account which all bills and direct debits come out. I…
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Nationwide Issues
Anyone else having issues with Nationwide this evening? Service Status says all OK but my accounts show: "Sorry, we're unable to show you all your account info at the moment. This also means you’ll be unable to make payments from some accounts. We’re working to get things back to normal as quickly as we can."
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Packaged bank accounts
Hi, I am currently looking into packaged accounts as the cost for seperate policies is now too high. My main needs are uk breakdown cover and worldwide travel insurance in that order. I have narrowed it down to virgins m account with a £12.50 monthly fee or the co-ops account at £15. I can't seem to make up my mind. Do any…
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Barclays Cashback Rewards, 1% in Sept, Oct and Nov
Barclays Cashback Rewards is now available to all Premier customers (with and without Avios rewards), as well as anyone who still holds Blue Rewards. They are offering 1% cashback on all "eligible" debit card transactions, capped at £5/month up to and including November. Cash transactions are excluded. Still not worth…
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Banking problem on holiday that could have left me stranded
Not sure if I'm posting in the right place or not and want advice on how I could have been best handled this and what to do in the future. I don't normally go on holiday so I'm a bit wet behind the ears on this but have always wanted to go to Japan. I booked two weeks to travel from Tokyo to Kyoto, then Osaka. I bank with…
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Nationwide CHAPS payments
I just wondered if someone had recent experience of these? I saw a few issues reported in 2018 but all seems quiet recently. I understand they use HSBC as their CHAPS provider, and that you can initiate a CHAPS payment on the morning of when you want it to be sent, either in branch or through online banking. Does anyone…
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Lloyds constantly declining my debit card
I've been trying to pay a monthly bill, it's always the same amount on the same date every month, but Lloyds declined it, I tried a couple of times before resorting to calling customer service. so my call went through to the fraud dept., I used the voice recognition, then was asked for account number, date of birth, name,…
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Switch account without closing existing current account
One of the current account offers at the moment is Lloyds bank's Club £200 switch offer. I've seen previous post from a few years ago explain that you don't have to use CASS to claim the switching benefits as long as you meet the other criteria. I would like to switch accounts (direct debits, salary etc) but keep my old…
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Bank Account switching offers - cut-off dates
My archiving and record keeping abilities leave a lot to be desired + I am a latecomer to this game. Could anyone share more info on whether the banks operate a fixed range (e.g. 3Y: October 2024 offer's cut-off date is October 2021, July 2023 offer's cut-off date was July 2020 etc) or rather stick with a fixed cut-off…
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Best business bank accounts for sole trader
Hi there folks. Tried to find a thread on here which would answer this question for me however they all seemed closed and out of date. So, in the hope of getting up-to-date answer's:- I'm looking for your recommendations for a business bank account which will come with a version of accounting software. I'm particularly…
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Current account switcheroo
So for the first time in my life (mid 40's), I am contemplating switching current account providers (to 1st Direct). My main motivation is to bank the £175 sign-up offer. Access to the 7% regular saver is also swaying me. My main reason for never doing this previously is that I assumed that I'd have to go through all the…
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Mandatory refund of up to £85k for APP fraud
Looks like all banks will, from 7 Oct, have to repay customers up to £85k max for APP fraud within 5 days But in a 'game changer' they will be able to reclaim half back from the receiving organisation
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Santander Edge account without fees?
I've seen a few times that it's theoretically possible to open an Edge account and not pay the fees. Reading through the details of the account I don't see how that is possible? There would be no DDs coming out of the account, but there would be more than £500 going in each month, I'd think the £500 would trigger the fees?…
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A new soft search on my Credit Karma report
I received an email saying that a new sort search had appeared on my Credit Karma report. I signed in to check and it is: "Credit
Karma Search
reference: {DDABBDA2-6996-4D34-A5C0-DDA6EC383C4C} Application type: individual" "Check in to see who searched you" I have not applied for anything from Santander and, as far as I…
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Cash app
Not really sure where I should have posted this but… I’ve bought some item and used the cash app, now one of the sellers has decided not to send it/ignoring me. Where do you stand with requesting money. It seems they’re middle men and their advice is to contact the seller and nothing else. Will the bank support it? Ive…
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What is best app to receive card payments for an individual
I would like to be able to accept debit or credit card payments at a stall at a one off car boot sale. I see there are a few apps I could use on a mobile phone. I wondered which is the best or cheapest app to use as an individual and what are the charges. I think that some like SumUp which initially looked good only seem…
