Graham & Brenda
-
Posts
446 -
Joined
-
Last visited
-
Days Won
1
Posts posted by Graham & Brenda
-
-
I have had a Flex a/c for a long time. I 'phoned the number on the original letter. The lady said I couldn't upgrade but then said I could once she redid the credit ref check. Later in the conversation she also said that I had had a debit card some years ago. I vaguely remember changing to a cash card at some time as that was all I needed. Perhaps that had more influence than the credit check - I don't know. I recommend you 'phone the number on the letter (don't mention going into the branch) and ask to upgrade. If they say no, then ask why not.Good luck,
-
The issue is that it is possible to have a Flex account with a cash card or with a Visa debit card. I had the former but, as mentioned above, requested and have now received the Visa debit card.
-
Many thanks to Jako, the OP, for this info. I now have download of 2.05 compared with 0.52 previosly - and for less money. I have also passed on the info to my French neighbour who did not know about it.
-
I can shed some light on this after having had a long conversation with Nationwide.They have credit scored all flex accounts with Experian. If yours fails, you get the letter and the " Card +". If it passes you get the upgraded or "full" Flex a/c with a card that lets you withdraw cash. I could not believe that I would fail a credit check, knowing my past credit record, unless the French address alone is enough to tip it. However, the lady on the 'phone re - did my credit score there and then and surprise, it passed and I was upgraded. I don't know why and the lady at Nationwide cannot see any details of the creit record - they just work on the Experian rating, with no appeals procedure, even if, like me you have had a trouble free a/c for ages, their credit card and significant investments with them.
-
La Banque Postale is free if you just have the basic account & no card. It also includes free internet banking.
-
Tomorrow should be interesting for rate watchers as the Bof E will be saying whether or not it will be extending its quantitative easing programme.
-
I asked them if I could pay by direct debit a couple of years ago and they said no. Then I tried again more recently and initially they said yes but they then came back to me and said no. The reason I wanted to do this, apart from convenience, was once having sent my cheque off well before the payment date, it was delayed somewhere and was only cleared with 2 or 3 days to spare. (They normally bank it on the day of receipt).
-
Auchan have a basic Logicom one with wire for €8 or for €15 they have a portable one.
-
Although I live here permanently, I have been asked by a friend to help with a Ligne Résidence Secondaire. Looking at the online form at the link here, they ask for details of your main address. I thought that this implied that it needed to be in France.For those of you successfully using the service, what did you enter in this field please?PS the link doesn't seem to work so here it is in fullhttp://boutique.orange.fr/services/previewFormService.php?service=380&donnee_appel=ORESH&IDCible=1link repaired by a mod
-
At the same time make sure you are not paying for any other "services" you don't need/use
-
I've read it and it looks good to me. However, as I cover all my direct debits by getting cash from the wall with my Nationwide card then paying it in to CA, I can't get round the problem of needing a separate bank account too as I would then have to send a French cheque to ING monthly - a bit of a pain.
-
A lot depends on whether your income is in Sterling or Euros. Mine is in STG so I put everything on my Nationwide CR card and settle the total by direct debit monthly. If your income is received in Euros in France it makes sense to have a French debit or credit card.
-
I have to say that I am grateful for small increases. It was good to be able to withdraw €350 with my Nationwide card today and for it to convert as £299.18, an effective rate of 1.1699
-
The online 3916 asks for Numero de compte
-
Richard, without sounding like a hypercondriac, which I am not and in case you don't know, an eye test is also a good health check. The condition of blood vesels in the eyes is a very good indicator of the condition of the rest of your blood vessels. I know this through the requirement to have an annual eye test as I have diabetes. As far as dentists are concerned, again it is not just the teeth they look at but the health of your mouth in general, including looking for signs of mouth cancer.
-
I transferred my LeClerc sim into a Virgin PAYG handset (as it had better functions), which had to be unlocked and was then surprised to find that I could use a different sim in the LeClerc one.
-
Thanks Stan - that is an interesting post. It confirms my feeling about the independent firm we used in the UK. However, it is still hard to understand the huge difference in their prices as compared with the internet suppliers, despite the latter's lower overheads. The variation in frame prices is such that one can only assume there is an excessive mark up somewhere (excluding so-called "designer" frames which I don't even look at). It can't just be about quality as I have never, ever had a problem with "low end" frames.
-
To check your balance online go to Espace Client and sign in.Then go to suivre ma consommation and it shows your calls and your balance.
-
If you want a monthly rate you could do worse than get it from the Banque de France here(link repaired by a mod)
-
Our Super U have stopped issuing bons - you now just ask the cashier to deduct enough points for your €10, €20, €30 reduction etc.
I obtained my first LeClerc card today, it says that you may lose your points if the card is not used for 14 months.
-
One benefit of my Leclerc mobile is that I can give the number to my French friends - I don't think that they would like to call me on a UK mobile number!
-
I have had a query from the Impots regarding the amount of interest the Nationwide reported and the amount I declared. It was a small error on my part and was painlessly resolved but it shows that UK banks do report - whether in all cases or just at random I don't know but I personally would not recommend taking the risk.
-
Ask at your local pharmacy what is available, perhaps taking an empty box and leaflet insert with you by way of example.
-
If you declare online there is no facility for quoting the exchange rate anyway.
Do I need to carry my passport with me all the time?
in The Complete France Post Bag
Posted