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Lloyd's TSB Customers.....
Found this passage from a Lloyds TSB article recently; Change of Company Name Lloyds TSB Group plc (the “Company”) wishes to advise that, as approved by Lloyds TSB Shareholders at the Lloyds TSB General Meeting held on 19 November 2008, it has changed its legal name to Lloyds Banking Group plc with immediate effect.…
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Natwest
Hi, I currently have a credit card with Natwest and access to online banking.. i recently applied for a current account and recieved the paperwork and filled it in and dropped it into my local branch on Friday. My question is does anyone know how long it usually takes to set up and will it appear automatically in online…
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HSBC Managed Loan - Copy of agreement "lost"
Hi, I arranged a managed loan with HSBC about 5 or 6 years ago for £10,000 with repayments of £200 per month. This will be paid off in full by the end of this year, however I have moved a couple of times since I took the loan and have misplaced my copy of the agreement paperwork. After reading about PPI reclaims I…
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Is it easier to open a bank account or get a credit card?
So Bank account (current account with OD) and Credit Card, which one is easier to get? Just curious.
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Charges for going overdrawn by £1?
What do you all think about charges if you go overdrawn by only £1? I personally agree with them. Working in a bank i quite often get the arguement It's only x amount" and "this is ridiculous" my view is that if the bank gave everyone a £50 buffer for example then people would use this like they do an o/d and when they go…
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Question in regards to depositing cheques at Natwest.
Hi guys, I have a cheque that I would like to deposit but I cannot visit a local branch as I am working. There is no Natwest branch near to my workplace so I cannot visit a branch at lunch time. My local branch is literally 2 mins away from home so would I be able to post the cheque myself before work? I presume I can just…
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Halifax Overdraft Help Please
Hi All, At the moment I have an overdraft with Halifax for £2,800 which i would like to keep it expires in March 2009, However since changing my job in August 2008 my od limit as been reducing last month the guarenteed amount was 2,000 and today its £1,250 how do they calculate this. I have never had a problem with Halifax…
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Opening an account with no photo ID?
My sister wants to open up a bank account, she used to have one with Lloyds but not sure what happened there. She hasn't got much debt, just a social fund loan I think. Anyway she wants to open a bank account, just a basic one but she has no photo ID at all. Can she just take letters to prove who she is? She might have her…
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A&L £30 fee for fraud protection
We have recently opened an A&L Premier Direct current a/c. Husband rang to activate the debit cards and was offered insurance in case our cards were used fraudulently. Apparently, if this happened we would have to pay £50 for the first £300 fraud and then a percentage of the rest of the money that was defrauded. However,…
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Electronic Transfers
Hi, Could anyone tell how long an electronic transfer should take from the Alliance and Leicester to the Natwest :confused:
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Old Direct Debit cancelled by bank?
Hi all I recently had a letter from my credit card company saying a direct debit request had been refused by my bank. I hadn't used this credit card for over a year, and the DD was only for about £3 (it was Paypal fees). The credit card company said it may have been refused because some banks remove a DD instruction…
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RBS overdraft refused based on incorrect information
I've opened a new RBS current account and applied for an overdraft. I had to supply 3 months of statements from my previous bank account. Based on these statements, the overdraft was refused by the lending department because they say my old bank levied charges against me and bounced a direct debit. I've checked this out…
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First Direct - Opinions?
I'm looking at opening a current account with First Direct. Are there any things I should know? Are they good at anything in particular? Bad at anything? Any opinions and experiences on any aspect of them would be greatly appreciated...
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Financial association on 'non-credit' products
I have a 'non-credit' product, and would like to add another person, thus creating a joint account. Would a financial association be created? Or does this only apply to 'credit' products (i.e. loans, mortgages, current accounts, etc...)? Advice appreciated.
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Opening a basic account when you have a standard account
I'm looking at opening a basic account as an extra for bills etc and something to fall back on if there's ever a problem with the card for my normal account. Three questions: - are banks quite happy to open a basic account in cases like this ie where the customer already has a normal current account? - how does a basic…
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Joint Accounts on Death
Where there is a joint account and one party dies, does thats sum of money go into their estate for probate purposes or does it automatically go to the other person?
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Natwest Bank Statements with Account number only??
Hi there, I am in the process of applying my PSW visa. However, I am currently with Natwest Bank and that I did not receive my last 2 bank statements. I am trying to get an electronic version directly from my bank branch, however they can only print them out on A4 paper in black and white with Natwest Logo on it. The main…
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natwest to abbey online payment
I went into an Abbey branch to get a passook issued for a Fixed Rate monthly saver that i opened online and post. I saw one of the cashiers who issued me with a passbook, i got the impression she was new as she was asking a male cashier on the counter next to her for guidance throughout my transaction, she issued me with a…
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new joint account which offers best deals??
Hi im opening a joint account with my girlfriend and am trying to work out which is best i was looking at the A+L account which offers the free £100 but we dont want it to become our main account.we were planning on paying in about £50 a week each into it Any help?
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Halifax High Interest Current Account
I've just noticed that the interest rate on the Halifax High Interest Current Account has gone down to 2.5% (was 5.12 when I switched in November). Hardly surprising, but surely they can't call this a "High Interest" current account? It seems ridiculous. Perhaps a rename to the "Not As Poor Interest As Other Current…