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New to the Budgeting & Bank Accounts board? Start here
💸 Some threads you may find useful * What's your financial setup? Forumites explain how they organise their accounts * Which simple phrase or motto sums up your budgeting philosophy? * Living with a new partner: organising your finances 💸 Some useful links to MoneySavingExpert.com guides * How to open a bank account *…
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How to budget / best budgeting tips?
I’ve always been terrible with money, and have been in debt for as long as I can remember. However, I’ve recently inherited some money, and for the first time since I was about 18, am no longer in any debt. I really, really want to keep it that way!! What are your best budgeting tips? Separate accounts? Cash? Spreadsheets?…
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NatWest/RBS My Rewards Update
Guessing it's for RBS too but got this from NatWest today:
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Santander Edge Up account. 2 cashbacks but no choice where they come from.
Yesterday I upgraded from a Santander 123 account! I now only have two of the three cash backs that I had with the 123 account. (£3 down) I am left with 0.72p cash back for my water bill, £24 as one of them. This is my lowest cost utility bill! I spent some considerable time on the phone to a pleasant young lady who…
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Switching away from Barclays
I have just found out about Nationwide's latest switching offer, switching to an existing Nationwide account. So trawling through my accounts, I have selected Barclays as the doner account because their interest rates are not as good as in other accounts that I hold. However.... I switched to Barclays last November, from…
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TSB £160 + other perk switch offer 23/5/24
Good afternoon, TSB have launched a £160 switching offer, available to those who open a new Spend & Save or Spend & Save Plus current account and haven't received a TSB switching offer since 1/10/22. As with previous offers the offer is paid in parts, you will receive £100 for switching and making 5 debit card payments.…
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Bank account for property rental?
Hello good people i have a holiday property which i rent and i would like a separate account for this in order to keep things tidy and separate, and look a bit more professional (I’m never comfortable sending my personal bank details for some reason!!) i only want a basic account, i don’t mind who its with, however i would…
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Nationwide switch from Chase
Hi, newbie here :) Thinking about switching a Chase current account that has a couple of direct debits, to a FlexAccount I already have with Nationwide. Have already opened a 2nd Chase current account, but would I have to close the savings account I have with Chase too ? Would the Chase debit card become invalid & I'd have…
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Car Finance
I would like to return my car a few months early but the finance company have told me it will adversely affect my credit rating. Is this the case?
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Applying for new Santander current account
Hello. I have got an appointment at my local Santander branch to attempt to open an everyday current account. This just so happens to be the first bank account that I would be properly applying, although I have a unique Santander savings account - or had - when I was a kid. I have no credit history and the bank has advised…
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Cifas marker removal
I have recently found myself in financial difficulties and with the help of another thread I think I can get myself sorted. My query here is how to deal with a Cifas marker that has been logged against me by one of my creditors for "evasion of payment". Admittedly yes I did get a £5000 loan with them and have not paid any…
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Santander £175 switch offer 14th May 2024
There is a new Santander switcher offer but you can’t have ever had a switching offer from them before. More details here https://www.moneysavingexpert.com/banking/compare-best-bank-accounts/#santanderswitch
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Is there a way to find out if you've had a switching bonus before?
I'm thinking about the Santander Edge account for the £175 switching bonus. I did have a current account with them, probably 6-8 years ago and I still have a mortgage with them. But I can't remember whether there was a switching bonus back then. Will they tell you, during the process, whether you'll definitely get the…
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Bank unable to trace recipient of a standing order
My late father’s account shows a monthly standing order of a few hundred pounds. We have asked the bank who the recipient is/where the money was going and they simply state that they cannot trace it. This amounts to some £12k+, can it really be the case that this has disappeared into the ether and we have to accept this…
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Nationwide £200 switch offer 23/5/24
Nationwide have now launched a £200 switching offer for existing members as of 31/3/24. To qualify you must switch a current account to Nationwide with at least 2 active Direct Debits. Those who have received a Nationwide switching offer since 18/8/21 are ineligible. For further details see:…
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SAR Request!
So let’s say for an example: I did SAR request with my bank for statements! Which they completed very quickly yay but where just list of transactions not what I wanted! so I redid SAR request as per what I was told To do! (Via their social media team) with putting all details in the right box’s that I wanted official…
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Business Bank Switching
Hi, Just wondering if any of you have had any experience of Business Bank Account Switching? I set up as a sole trader last year as a side job and in applying for a business account with many banks (incl Natwest) I faced a lot of rejections as my business primarily comes from abroad and is of higher value therefore high…
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Lloyds Bank £175 switching offer 28th May 2024
https://www.lloydsbank.com/current-accounts/switch.html
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Malwarebytes Premium via Natwest has ended. What is another alternative ??
I just notice my Malwarebytes Premimum which come via Natwest has ended and I keep getting message to renew. I visited NatWest Website and I got this massage https://www.natwest.com/fraud-and-security/malwarebytes.html "From the 31st of May 2024, the Malwarebytes Premium anti-virus software offer will no longer be offered…
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Big increase in scam calls following opening new bank savings accounts
Since we are obliged to move money on a regular basis to get the best interest - thereby increasing the changes of fraud and mistakes, has anyone noticed a marked increase in scam calls following the opening of new accounts. I recently opened several savings accounts to spread risk and savings and almost immediately…
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Hsbc bank blocked my account overnight
I am receiving this message that you can't tranafer as you don't have funds or your information is not upto date. Called bank and waiting for their call in 3 days. I am part time self employed and earn £300/month. However there is combined property of me and my husband and rental income has been coming in my account for…