Hi, I have been overseas (I drove a lot there) before that I had full no claims discount here in the UK. Do I have to reset back to nil again?

Hi, it makes no difference for the credit agencies.

Hi, you will suffer joint liability! Best to have a basic bank account like the Halifax Easy cash. To be honest not a great idea as what happens if one doesnt pay into the account one month???

Star-gazer:I fail to see how they can tell you to twist the truth as they will be governed by the fsa & ombudsman & would be HEAVILY fined if they did this WAKEUP smell the coffee! The FSA is toothless these days. Didnt you see the program about House price cons especially around Thamesmead? The FSA is not regulating small firms in ...

Hi Clairebrum, I suggest you try the Halifax Easycash account first. That gives you direct debits and a visa electron card so you can spend money electoncally. They have a nice online service and savings accounts you can use. Use it for a while and get yourself on the electoral register. After say after 6 months go in store and ask them for a full ...

Had a look at this website - what an obvious con. You pay a fee - they just pass on your details and if it fails they promise a refund. Or worst they advise vunerable people to "stretch the truth" (a.k.a. fraud)

Hi VISA Debit cards also allow you to go overdrawn as at the point of sale they dont always check that there are sufficient funds (smaller transactions) VISA Electron cards do check! Try the Halifax Easycash acount. No chq book but a VISA Electron card. They have a good ISA and savings account online that you can immediately transfer from/to. ...

As an English teacher I would like to add that you made so many grammar mistakes you deserve all the charges :) eg "I have asked" is the present perfect simple. You should have used the simple past "I asked" or the past perfect simple "I had asked"

Hi had the same problem. Came back to UK after 4 years abroad about 6 months ago. Worse still had cards before - Egg (10k limit) and First Direct (7k) - but my current account (First Direct) had gone into the red by 100 pounds due to online fraud while I was abroad - I had a 1,500 overdraft limit but they zeroed it. They closed the account causing ...