How do I close my bank account via letter?
I have an account with Santander and have been really disappointed with their service and so want to close the account I have open with them, how can I do this by letter? It's probs a daft question i've just never done it before. Thanks! =)
Other - Business & Finance - 2 Answers
People Answers, Critics, Comments, Opinions :
Answer 1 :
I think Its rescue via letter but possible, you have to submit your all detail with account closing form then they will give you a final check of your account account.
Answer 2 :
I don't know about England, but in the US when I moved from one city to another, and opened a new bank account (at a different bank company) they told me they could notify the other bank to close that old account and remit the funds into my new bank account. So ask your new bank to do the same. After the funds have been properly remitted, then write your letter of disappointment. Always get the money out first.
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Sunday, April 28, 2013
Sunday, April 14, 2013
How can i cancel a payment Transferring From my Bank Account to Paypal whilst it is in Processing?
How can i cancel a payment Transferring From my Bank Account to Paypal whilst it is in Processing?
How can i cancel a payment Transferring From my Bank Account to Paypal whilst it is in Processing?? All i need to know is how?? Answer quickly please.
Credit - 2 Answers
People Answers, Critics, Comments, Opinions :
Answer 1 :
I'd call the bank and see if you can put a stop payment on it. They can do that for you if its not too late.
Answer 2 :
You have to call the bank and put a Stop Payment. This can cost up to $30 though so be prepared. And also most banks need to know about the stop payment at least a couple days before it goes through.
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How can i cancel a payment Transferring From my Bank Account to Paypal whilst it is in Processing?? All i need to know is how?? Answer quickly please.
Credit - 2 Answers
People Answers, Critics, Comments, Opinions :
Answer 1 :
I'd call the bank and see if you can put a stop payment on it. They can do that for you if its not too late.
Answer 2 :
You have to call the bank and put a Stop Payment. This can cost up to $30 though so be prepared. And also most banks need to know about the stop payment at least a couple days before it goes through.
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Sunday, April 7, 2013
What is the best rate achievable for a CHARITY bank account ?
What is the best rate achievable for a CHARITY bank account ?
What is the best rate achievable for charity bank account (around £200k)?. I am currently acheiving 3.875% but want to find out whether anyone else can offer a higher rate.
Community Service - 2 Answers
People Answers, Critics, Comments, Opinions :
Answer 1 :
This is Yahoo! Answers. You won't get any sensible answers here. It's full of wallies like me. You're going to have to do your own research, Stell. Go on girl, we know you can. We're backing you all the way here.
Answer 2 :
I get 5% in an internet account,I've heard that HSBC bank are doing an 8%, there's two offers better than yours, but if i was you, i would speak to an independent adviser, he will make you far more than that i'm pretty sure.
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What is the best rate achievable for charity bank account (around £200k)?. I am currently acheiving 3.875% but want to find out whether anyone else can offer a higher rate.
Community Service - 2 Answers
People Answers, Critics, Comments, Opinions :
Answer 1 :
This is Yahoo! Answers. You won't get any sensible answers here. It's full of wallies like me. You're going to have to do your own research, Stell. Go on girl, we know you can. We're backing you all the way here.
Answer 2 :
I get 5% in an internet account,I've heard that HSBC bank are doing an 8%, there's two offers better than yours, but if i was you, i would speak to an independent adviser, he will make you far more than that i'm pretty sure.
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Monday, April 1, 2013
What's the difference between account balance and available balance?
What's the difference between account balance and available balance?
I now I've already asked but I still don't get it. I've got £30 in my account balance and £5 in my available balance, what's does that mean? and can I claim my account balance? Thank you
Personal Finance - 7 Answers
People Answers, Critics, Comments, Opinions :
Answer 1 :
the same thing happens to me when I deposit cheques into my account, I think it is because they are waiting to be approved, it's either that or that fact that your account could require a minimum amount (25) in it all times
Answer 2 :
it means that you can only withdraw £5 the other £25 is what they call ear marked... if there is something that you have bought that is due to come out your account and it is in that process, or if paid in cheque of £25 then is in process of going into your account.
Answer 3 :
Usually this means that you've bought something using a card (ie for £25) or a direct debit is due out that hasn't been taken out of your account yet, but your bank has 'ringfenced' that amount so you can't spend it. So your balance shows as £30 cos the £25 hasn't been taken out yet, but you only have £5 available to actually spend. Unless you have an overdraft, I doubt you'll be able to draw out any more than £5.
Answer 4 :
Right your account balance is what is technically in your account and your avaliable balance is what you can withdraw / access. U can't claim your account balance. Reasons your account balance can be higher than your avaliable balance are for example money that hasn't cleared in your account yet or money that has been reserved in your account for payment such as direct debits or card payments u have made in a shop which hasn't actually left your account yet but is due to at some point. Basically pay no attention to your account balance - u can't access it - and just check ur avaliable balance.
Answer 5 :
When you deposit a cheque into your account it takes approximately 3 to 5 working days to clear. That is the time it takes for your bank to send the cheque to the other bank and ask them for the cash so that they can put it into your account. So the account balance is £30 because it includes that cheque you recently banked into it. However as the cheque has not cleared yet, you can only draw £5 at the moment. In a few days when the cheque has cleared you will be able to draw out the remaining £25.
Answer 6 :
Account balance is what is actually your money but not what you can always withdraw. Available is what you can actually spend, this will include your overdraft as well (if you have one). So things that affect these balances: Your £30 account balance and £5 available could be because you have spent money using a debit card and the money hasn't left your accoutn but has been 'reserved' so that you don't spend it again or you may have put in a cheque that hasn't cleared. So either your available balance will stay at £5 once the money has been paid to the shop/internet site you have paid money to and this will also change your account balance to say the same or your available will change to show that your cheques have cleared and whatever your overdraft might be.
Answer 7 :
Balance is the total amount that a person has in his account, including all pending transactions while, available balance is the amount that is available for transfer or withdrawal.
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I now I've already asked but I still don't get it. I've got £30 in my account balance and £5 in my available balance, what's does that mean? and can I claim my account balance? Thank you
Personal Finance - 7 Answers
People Answers, Critics, Comments, Opinions :
Answer 1 :
the same thing happens to me when I deposit cheques into my account, I think it is because they are waiting to be approved, it's either that or that fact that your account could require a minimum amount (25) in it all times
Answer 2 :
it means that you can only withdraw £5 the other £25 is what they call ear marked... if there is something that you have bought that is due to come out your account and it is in that process, or if paid in cheque of £25 then is in process of going into your account.
Answer 3 :
Usually this means that you've bought something using a card (ie for £25) or a direct debit is due out that hasn't been taken out of your account yet, but your bank has 'ringfenced' that amount so you can't spend it. So your balance shows as £30 cos the £25 hasn't been taken out yet, but you only have £5 available to actually spend. Unless you have an overdraft, I doubt you'll be able to draw out any more than £5.
Answer 4 :
Right your account balance is what is technically in your account and your avaliable balance is what you can withdraw / access. U can't claim your account balance. Reasons your account balance can be higher than your avaliable balance are for example money that hasn't cleared in your account yet or money that has been reserved in your account for payment such as direct debits or card payments u have made in a shop which hasn't actually left your account yet but is due to at some point. Basically pay no attention to your account balance - u can't access it - and just check ur avaliable balance.
Answer 5 :
When you deposit a cheque into your account it takes approximately 3 to 5 working days to clear. That is the time it takes for your bank to send the cheque to the other bank and ask them for the cash so that they can put it into your account. So the account balance is £30 because it includes that cheque you recently banked into it. However as the cheque has not cleared yet, you can only draw £5 at the moment. In a few days when the cheque has cleared you will be able to draw out the remaining £25.
Answer 6 :
Account balance is what is actually your money but not what you can always withdraw. Available is what you can actually spend, this will include your overdraft as well (if you have one). So things that affect these balances: Your £30 account balance and £5 available could be because you have spent money using a debit card and the money hasn't left your accoutn but has been 'reserved' so that you don't spend it again or you may have put in a cheque that hasn't cleared. So either your available balance will stay at £5 once the money has been paid to the shop/internet site you have paid money to and this will also change your account balance to say the same or your available will change to show that your cheques have cleared and whatever your overdraft might be.
Answer 7 :
Balance is the total amount that a person has in his account, including all pending transactions while, available balance is the amount that is available for transfer or withdrawal.
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Thursday, March 28, 2013
How do I calculate monthly interest on a regular savings account?
How do I calculate monthly interest on a regular savings account?
I would appreciate if someone could provide me with a simple, yet implementable, formula to calculate the monthly interest on a UK regular savings account. For example, I would like to invest £250 every month for a period of 12 months at a fixed rate of 4% (net) per month. I look forward to applying your formula.
Personal Finance - 1 Answers
People Answers, Critics, Comments, Opinions :
Answer 1 :
If the balance sits for 1 month I would take the balance at the time say £250 and times that by 4% that will give you the interest for the full year then devide by 365 to get a daily amount. Once you have done this times it by the amount of days in the month and that will give you the amount of interest it will generate for 1 month. you will have do do this for each month as the balance will always change if you keep adding £250 each month.
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I would appreciate if someone could provide me with a simple, yet implementable, formula to calculate the monthly interest on a UK regular savings account. For example, I would like to invest £250 every month for a period of 12 months at a fixed rate of 4% (net) per month. I look forward to applying your formula.
Personal Finance - 1 Answers
People Answers, Critics, Comments, Opinions :
Answer 1 :
If the balance sits for 1 month I would take the balance at the time say £250 and times that by 4% that will give you the interest for the full year then devide by 365 to get a daily amount. Once you have done this times it by the amount of days in the month and that will give you the amount of interest it will generate for 1 month. you will have do do this for each month as the balance will always change if you keep adding £250 each month.
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Thursday, March 14, 2013
How to open a British bank account while living overseas?
How to open a British bank account while living overseas?
Hi, I'm a British Citizen who currently lives in Korea. I'd like to open a British bank account, but not sure if I can without going into a branch in person and signing forms, etc. Is it possible to do this while living overseas and if so, what bank would you reccomend. I'd like to get a Visa card with the account and more importantly, the ability to withdraw money from other countries. I travel a lot. Thanks for any help. graeme.
Personal Finance - 4 Answers
People Answers, Critics, Comments, Opinions :
Answer 1 :
If you've lived in the UK before, it may be possible to open a new account or re-open your old account with the bank you were with before. However, due to Money Laundering Legislation, you need to provide documentation before opening an account and most importantly, you need a registered address in the UK and proof that you live at that address. You could try opening a HSBC Account in South Korea and use that until you get back to the U.K. HSBC is the world's largest banking group and I believe you can access your account from anywhere in the world with them. However, you should double check that before going ahead with it. At the very least, you will be able t withdraw money from Cashpoints with a HSBC Account. An offshore bank account is another option, but only really viable if you're quite wealthy.
Answer 2 :
There is an account called the HSBC Plus account. There is a subscription fee for this account but, you get lots of benefits a visa card which you would like, and you get free ATM withdrawals abroad. Theres no harm in having a look.
Answer 3 :
You'll either need to go into a branch in the UK with some ID e.g passport and driving licence. They will also need proof of address. You can sign up for an account online but if you do this you will have to send them your original ID documents through the post, you will not be able to photocopy them. So then there is the risk of them going missing. Banks are very strict when opening accounts so these are the only ways I am afraid.
Answer 4 :
If there is a Branch of British bank in Korea approach them: Or write to you British Bank to send a application to open a "non-resident account" for a British national: they will guide you: OR you can get the details in the British banks website: or ask at http://www.bba.org.uk/bba/jsp/polopoly.jsp?d=103&a=143
Read more other entries :
Hi, I'm a British Citizen who currently lives in Korea. I'd like to open a British bank account, but not sure if I can without going into a branch in person and signing forms, etc. Is it possible to do this while living overseas and if so, what bank would you reccomend. I'd like to get a Visa card with the account and more importantly, the ability to withdraw money from other countries. I travel a lot. Thanks for any help. graeme.
Personal Finance - 4 Answers
People Answers, Critics, Comments, Opinions :
Answer 1 :
If you've lived in the UK before, it may be possible to open a new account or re-open your old account with the bank you were with before. However, due to Money Laundering Legislation, you need to provide documentation before opening an account and most importantly, you need a registered address in the UK and proof that you live at that address. You could try opening a HSBC Account in South Korea and use that until you get back to the U.K. HSBC is the world's largest banking group and I believe you can access your account from anywhere in the world with them. However, you should double check that before going ahead with it. At the very least, you will be able t withdraw money from Cashpoints with a HSBC Account. An offshore bank account is another option, but only really viable if you're quite wealthy.
Answer 2 :
There is an account called the HSBC Plus account. There is a subscription fee for this account but, you get lots of benefits a visa card which you would like, and you get free ATM withdrawals abroad. Theres no harm in having a look.
Answer 3 :
You'll either need to go into a branch in the UK with some ID e.g passport and driving licence. They will also need proof of address. You can sign up for an account online but if you do this you will have to send them your original ID documents through the post, you will not be able to photocopy them. So then there is the risk of them going missing. Banks are very strict when opening accounts so these are the only ways I am afraid.
Answer 4 :
If there is a Branch of British bank in Korea approach them: Or write to you British Bank to send a application to open a "non-resident account" for a British national: they will guide you: OR you can get the details in the British banks website: or ask at http://www.bba.org.uk/bba/jsp/polopoly.jsp?d=103&a=143
Read more other entries :
Thursday, March 7, 2013
How do you stop somebody hacking into your friends facebook account?
How do you stop somebody hacking into your friends facebook account?
My friend has had a problem with a certain person. This person keeps hacking into his facebook account and keeps messing around with his profile.It has happened a number of times and he has had enough. can anyone give me some advice? please help!
Facebook - 7 Answers
People Answers, Critics, Comments, Opinions :
Answer 1 :
change your password to like numbers..
Answer 2 :
change his password...
Answer 3 :
Tell them to change their password. That's about it :/ And security questions.
Answer 4 :
Tell an adult immediately. I just heard a presentation on Cyber-bullying, and even if now its just little stuff, it may get worse. Even if they are hacking in and just posting stuff non inappropriate, or just changing little things, it could possibly lead to cyberbullying. Tell a trusted adult as SOON as you can! :)
Answer 5 :
Make a new email address and switch the account to that email. Then change the password and dont give it to anyone and also leave the new email just for facebook and dont give it to anyone
Answer 6 :
You can try changing his password, and then... if that doesn't work you can call the police or tell ur parents, or an adult, so that u dont have to go through all that changing account trouble...
Answer 7 :
change your facebook account from HTTP to HTTPS to prevent from hacking. Here are some steps to change it. 1.Go to account setting in your facebook account. 2.Now go to Account security. 3.Tick the box[ ]Browse Facebook on a secure connection (https) whenever possible. Now free your mind from any types of hacking http://teqpark.com/how-to-disable-or-enable-new-facebook-chatbar.html
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My friend has had a problem with a certain person. This person keeps hacking into his facebook account and keeps messing around with his profile.It has happened a number of times and he has had enough. can anyone give me some advice? please help!
Facebook - 7 Answers
People Answers, Critics, Comments, Opinions :
Answer 1 :
change your password to like numbers..
Answer 2 :
change his password...
Answer 3 :
Tell them to change their password. That's about it :/ And security questions.
Answer 4 :
Tell an adult immediately. I just heard a presentation on Cyber-bullying, and even if now its just little stuff, it may get worse. Even if they are hacking in and just posting stuff non inappropriate, or just changing little things, it could possibly lead to cyberbullying. Tell a trusted adult as SOON as you can! :)
Answer 5 :
Make a new email address and switch the account to that email. Then change the password and dont give it to anyone and also leave the new email just for facebook and dont give it to anyone
Answer 6 :
You can try changing his password, and then... if that doesn't work you can call the police or tell ur parents, or an adult, so that u dont have to go through all that changing account trouble...
Answer 7 :
change your facebook account from HTTP to HTTPS to prevent from hacking. Here are some steps to change it. 1.Go to account setting in your facebook account. 2.Now go to Account security. 3.Tick the box[ ]Browse Facebook on a secure connection (https) whenever possible. Now free your mind from any types of hacking http://teqpark.com/how-to-disable-or-enable-new-facebook-chatbar.html
Read more other entries :
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