Thing's I've tried: 1. Setting payment method address and information to Indonesia, changing the Google account to Indonesia, all while on Indonesian VPN connection. Blocked ""Something went wrong, make sure your country is set correctly." 2. Make entirely new account with Indonesian phone number, removing payment method from old account and placing on new one with same Indonesian address. Blocked "Something went wrong, make sure your country is set correctly." 3. Same thing, brand new account but Philippines number and address. Blocked. 4. Go back to Indonesian account and buy a Indonesian google play gift card online and redeem it. Blocked "We need more details to verify this card. (links to page asking to send photos and receipt)"
Any other ideas/thing that has worked for you?

My car a 2017 Audi started having transmission troubles last February and so I took it to a mechanic in town who is the only shop certified to work on European cars. I live in a small area and we have no Audi dealerships so I would have to tow it around 200 miles to the nearest one. When I took it in one of the workers took a look at it asked some questions and gave me a copy of a form stating the issues and a quote for the inspection on the issue. I gave it a few weeks followed up got a runaround and that’s what it has essentially been ever since. I know it’s pretty bad on me to leave it but at the time I was in a bad spot financially so didn’t have many options to take it elsewhere. About 7 months after the runarounds and getting into arguments with the owner I filed complaints with the BAR and Better business bureau which were settled when the owner and I agreed he would get it fixed and I would only pay for parts. About a month after that I get a call saying he has to just replace the whole transmission. Ok no problem he asked for a deposit which I sent and asked for a receipt which he never gave. Now he claims he just has little parts he has to replace but that he was waiting on them to arrive tells me he’ll get on it when they arrive that was two weeks ago he already told me he has the parts but when I go to check in since he no longer answers the phone my car hasn’t moved from the spot outside his shop. I plan on towing it to Audi but is there any grounds to sue or is it worth it? I’m still making payments on the car to make it worse. Sorry for the lengthy explanation just looking for advice before I take my car and possibly contact a lawyer.

As you know UC can pay for your uniform e.g work clothes etc and I decided to make use of it, I purchased a blazer and long trousers for upcoming interviews.
It all came down to about £50, I sent them my receipts and I’m waiting for the payment. I’ve noticed that my payment was up by £24 this month, the problem is, I’ve returned the blazer and purchased a better quality one that was slightly more pay (didn’t bother telling them). Do you think they found out I returned the blazer and only paid me for the trousers or am I overthinking.
Please let me know your thoughts

[B/D] Esterbrook LJ-Gorgeous DAWN GRAY. Completely disassembled, new J-bar & sac installed, cleaned, tested, and hand polished. [D] sub-rating due to the installation of new parts. PERFECT CONDITION - No cosmetic blemishes or defects. Jewels in excellent condition. (9460 MEDIUM Manifold MASTER SERIES) renew nib installed. Photos were taken while still inked and are part of the description. Writing sample in photos.
Gallery: https://imgur.com/a/WkSFFJG
$55 plus $5.00 for Ground Advantage domestic shipping with tracking - and $8.00 for Priority. Shipping to CONUS only.
Payment by PayPal Goods and Services only. All sub-rules apply. No Box or documentation.
Please comment before PM or request to chat. Thanks.

Hoping someone can answer my question.
I purchased an aquarium heater from Petsmart through UberEats for delivery. This was a little over 2 weeks ago. I didn’t notice till recently that the heater isn’t working—indicator light wasn’t showing and my tank temp. started dropping once my room temperature did. I don’t have the physical receipt and, like an idiot, tossed out the packaging after opening it.
I do have the order receipt on the UberEats app which has the order#, payment method, BUT does not show the UPC for the item (just the name). I’m looking to exchange. Is this possible? Is there anyway the original receipt could be pulled up with the order# on UberEats?

I have around 30,000 dollars of credit card debt.
One of my debts is being payed down but they are raising the amount I owe next month... which I am worried about. They issued a lawsuit against me....
So I have other creditors mostly credit cards and now I have another notice from the same company above (MIDLAND) that sent me a pre- legal notification. ..
this debt has been sold at least twice before but I haven't been able to act on much of any of my debt due to crippling health injuries. (Long term Covid / brain fog, hospitalization etc).
I am feeling a bit better to deal with this matter but I know I am deep in the hole.
SO for this one creditor... should I bother sending them a letter asking for more information. I know where the debt originally came from but I am concerned about how many times it has bounced around . Is it worth it sending them a letter requiring them to give me this information?
The other issue... I am honestly unable to pay off the entire amounts. I can maybe pay $10 dollars a month on this particular card .. (which is is around 3,000 dollars).
I had a tough time negotiating with Midland once the lawsuit on the other card occured. .. but I cannot reasonably afford another $100 dollars a month on this debt.. as of now.
I have lost a few years since the pandemic and have struggled to get back on my feet. Things have just not lined up the way I had hoped they would and now with inflation I can barely afford food.
Recommendations? Tips.
Here is the sample letter I pulled..
"To whom it may concern.
I am responding to your contact about a debt you are trying to collect. You contacted me by
Mail on May 1^st, 2024 and identified the debt as from \*****S Bank. Please supply the information below so that I can be fully informed:*
~Why you think I owe the debt and to whom I owe it, including:~

• The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.

• If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other
name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.

• Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?

• If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.

~The amount and age of the debt, including:~

• A copy of the last billing statement sent to me by the original creditor.

• State the amount of the debt when you obtained it, and when that was.

• If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.

• If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
• If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.

• Tell me when the creditor claims this debt became due and when it became delinquent.

• Identify the date of the last payment made on this account.

• Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.

~Details about your authority to collect this debt.~

• I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.

• If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.


I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.


In addition to providing the information requested above, please let me know whether you are prepared to accept less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will accept to fully resolve the account.

Thank you for your cooperation. Sincerely,

I have lurked on here for months now and this sub has provided me with a great amount of resources that are beginning to help me out of the situation I have long been in, finally able to see some progress.
Back in February, I received notification that my loan had been transferred to Treasury for collection. Despite my repeated attempts to reach out, contacting them proved futile. Even regular conversations with the SBA yielded no solution to reclaim my loan.
Recent posts here mentioned successfully moving loans back to the SBA using the EIDL Dispute template
https://docs.google.com/document0/d/1QMkBpRqO1T2JT0J6QqPFvivp-OeqEjXCciLNpETycMs/mobilebasic?pli=1
Personalizing it with assistance from both Chatgpt and Gemini, I crafted what I thought was a good enough letter. I sent it to [CovidEIDLServicing@sba.gov](), among other suggested emails. Only this particular email acknowledged receipt through Mailtrack and responded.
It took 9 days to receive the response. It included the hardship application and instructions to send it back to the email above. The application also requires to include your YTD P&L for loans over $200. Both were provided the same day. One hour later, I received this auto response
"Thank you for contacting the U.S. Small Business Administration Covid EIDL Servicing Center. We have received your request and forwarded it to the appropriate department for review. Please allow 7 -10 business days to process your request. Repeat submissions to [CovidEIDLServicing@sba.gov](mailto:CovidEIDLServicing@sba.gov) may result in a delay in your request being processed.

This email box is not currently providing status updates. If you have questions regarding the status of your request or require further assistance, please call 1-833-853-5638 (Monday through Friday from 8:00 am to 8:00 pm Eastern Time) or, if you are hearing impaired, hard of hearing, or have a speech disability, please dial 7-1-1 to access telecommunications relay services.

The MySBA Loan Portal is now live! The MySBA Loan Portal is a new portal where borrowers can view their loan balance, make payments, view statement, and contact customer support in one place. Borrowers can visit https://lending.sba.gov to login or enroll."
Though I'm not one to frequently engage in comments or posts, having experienced firsthand the anxiety and hardship this situation can induce, I felt compelled to share my experience. I hope it offers a ray of guidance to those facing similar challenges.

i know the title sounds crazy but if your goal here is to move the price even in a positive direction that would still factually be correctly classified as market manipulation. not hating just wanted to say that your time is much better used in finding ways of spending your doge. transfer your spending money into it and find ways to spend it. this will have a much larger effect on the price than posting "to the moon"
you do you though. I am not hating on anyone. I've been in this game for a long time now and I've seen it all at this point and I believe we are well past the time for talk... its time to move on from memes and into the real world. seriously find ways of spending it. this puts doge into ppls hands and by them spending it it will reinforce doges role as a currency. we need demand, demand created by every day folks who would never come to this reddit in the first place as most dont even have reddit or know what it is.
you start getting those ppl involved and this will get you to the moon. nothing will happen with just memes. discuss amongst yourselves and find ways of using the money you would of spent anyways on everyday items to create demand for doge. businesses can save money on purchase fees with doge vs credit / debit card but they will never find that out if we dont as a community show them.
I make sure if I can spend it in doge then i do. I understand that is not possible for alot of things but things that it is possible for your voting against your own interest by spending USD and not DOGE.
a little trick I try now to ask any waiter before I tip them on the receipt if they have a crypto wallet. if they say yes I ask for their QR code and then send them a tip in doge. some of the places I regularly go to have wait staff that set up a wallet just for this and over the years I've tipped them enough that now they are in all the way. they thank me frequently for getting them to invest. it was years ago and to me it made no difference as the 5 bucks i was gonna tip was the same either way. but now that 5 bucks is worth a whole lot more. if it was USD instead then it would of lost value instead. these interactions although small build up and eventually your real life actions will lead to the world we all want.... true freedom from corporate and governmental overreach in the monetary system.
I have provided below a list of companies that will accept doge as payment.(just google cryptwerk doge payments if like me you dont click links) this is your path to success here. Dont get me wrong the energy is great and i love it but we need to redirect it into the real world. I know I'm sorry I'm long winded. feel free to down vote me for this reason.
tldr: hold your doge but transfer your spending USD into doge in a separate hot wallet and spend it wherever you would normally spend USD. list provided below may not be completely up to date as it is ever growing but a notable one is AMC. if your going to the movies with USD then you've no business saying "go to moon"
a link to cryptwerk article list of businesses that accept doge as payment

Hello community I been reading a while and I don't know what to think, I'm apologizing in advance if is confusing.
Basically my father in law got a house about 7 years ago, he got remarried, relocate in rent trailer-house with his wife, and that house that he bought basically started renting it.
Now is when everything starts to get twisted:
After maybe 1 year the renter ask him if will be a possibility that the house can be transfer it to him, in "exchange" he (the renter) will rent a house that he have, with possibility of own it, basically kind swapping houses, my father in law agreed, sign paperwork saying that the renter will take over the payments of the house and deed will be on his name when the house payments are done (the paperwork was nothing official in court, just notary)
After that they were paying each others a rent, no problem, but take my father in-law by surprise that this past week, the other guy told him that he needs to leave in 1 month since the taxes of the house were never paid in the time they were there and they owned so much on it and the mortgage payments were accumulated it because he was going thru a divorce and he basically make payments just to avoid losing the house, but the bank had enough so my father in-law is homeless now, thinking about leaving to another state, but he wants to fight to get his house back.
The payments on the bank, the receipts, the name on the bank, the "deed", tax payments, everything is under my father in-law, he wants to know if he can just "gift" or legally transfer the house to my wife, if no just basically give it to us to keep the house and live in there since we renting at the moment.
Apparently he talked to a lawyer and they said the "paperwork" he signed wouldn't be a problem, but now I think is just to much in this twisted situation.
Can be possible for him to take it back without problems? Or that paperwork he sign is gonna be a huge problem in the way?

Hi all! Help me clear out my life of backups and samples I'll never use. Hopefully you'll find a new HG or something you've always wanted to try in my stash. I've priced everything to sell and do feel the prices are fair and low but of course I'm willing to bundle. The prices are based off what I actually paid for the products, not the retail price. I buy most things on sale and you'll get a discount on top of what I paid.

• Shipping is $5 for 4oz, $10 flat for anything over 1lb
• My home is smoke free home in CA. I have a dog that has no access to my room where my makeup and skincare is stored
• Payment via paypal goods and services. I cover fees
• I will only ship to the address on file with paypal, so please make sure your shipping address is correct when paying.
• First come, first serve. I'll hold request for 2hrs and then move on to the next in line
• $6 minimum per order

Makeup

Eyeshadow Verification: https://imgur.com/a/EEtDTYL

• Colourpop You Had Me At Hello (Used 1-2x) $10
• Bobbi Brown Long Wear Cream Eyeshadow Stick Dusty Mauve & Golden Pink (BNIB) (FS $16, MS $8)
• MAC Paints Bamboom (BNIB) $7
• MAC Eyeshadow All that Glitters (BNIB) $8
• Bare Minerals Gen Nude Eyeshadow Palette Rose (Used x2) $10
• Too Faced Better Than Chocolate (BNIB) $15
• Smashbox Covershot Ablaze Eyeshadow Palette (BN) $10
• Colourpop Sorbet Eyeshadow (Used x2) $4
• Clarins Palette 4 Couleurs 2 Rosewood (Used x2) $13
• Makeup by Mario Glam Quads Party Glam, Bronzey Glam & Rosey Glam (swatched) $8 each or $20 for 3
• Colourpop Colourstix Warm Up (Swatched x2) $3
• Eyeko Double Stack Eyeshadow Stick Dusk/Dawn (BINB plus sharpener) $4
• Bobbi Brown Rich Color Eye Shadow Royale 8 (Light Useage) $5
• MAC Single Eyeshadows Twink x2 (BNIP) $4 each
• Catrice Liquid Metal Eyeshadow Mauves like Jagger, We are the Champagnes & Under Treasure (light use) $6 for all 3

Base Products Verification: https://imgur.com/a/YB476xo

• Bobbi Brown Vitamin Enriched Face Base mini .24oz $8
• Becca Light Catcher Finishing Veil 01 Scattering (BNIB) $8
• Covergirl Clean Fresh Skin Milk 340 Light (BN) $5
• Georgette Klinger Marula Primer (BN) $5
• Too Faced Born This Way Powder Translucent (BNIB) $11
• Makeup Forever Mist & Fix Hydrating Setting Spray mini 1oz (BNIB) $6

Blush/HighlighteBronzer Verification: https://imgur.com/a/jhbuklM

• Natasha Denona All Over Glow 1 Light (Swatched x1) $10
• Tarte Amazonian Clay Waterproof Bronzer Park Avenue Princess (Lightly Used) $8
• Benefit Dandelion Twinkle Highlighter mini (BN) $9
• Milani Baked Blush Belle Amore (Swatched x1) $6
• Wet n Wild Pac Man Power Pellets Blushlighter (Swatched x1) $4
• NYX Matte Bronzer Medium (Swatched x1) $5
• Sleek Blushes Pixie Pink (Swatched x1) $4
• Grande Glow Plumping Liquid Highlighter (BN) $5
• Laritzy Cosmetics Cream Highlighter Virtue (BNIB) $4
• The Beauty Crop Blush Duo Mauve-lous (BNIB) $3
• Topshop Cream Blushes Flush (Light usage) $2 or free with purchase of 2 or more items
• Ciate Bamboo Bronzer Palm Island (Swatched x1) $5

Eyeliners/Mascaras/Brows Verification: https://imgur.com/a/RmvE8EM

• Sephora Retractable Brow Pencil 05 Neutral Grey Brown (BNIP) $9
• Makeup Forever Brow Gel (BNIB) $5
• Tynt Smokey Eye Pencil Pinot Noir (BNIB) $3
• Mally Beauty Gel Waterproof Eyeliner Onyx (BNIB) $3
• Ciate Fierce Flicks Precise Pro Tip Liquid Liner Black (BNIB) $5
• Clinique Quickliner deluxe size (BN) $3
• Clinique High Impact Mascara full size (BN) $8
• Tarte Maneater Mascara Black (BNIB) $9
• Wander Beauty Upgraded Lashes Treatment Mascara (BN) $8
• Too Face Damn Girl Mascara Travel Size (BNIB) $5
• Tynt Brow Definer Brunette (BNIP) $2
• Tori Belle Cosmetics Magnetic Eyeliner and lashes (BNIB) $5

Lips Verification: https://imgur.com/a/3Kgc3YS

• Lancome Juicy Tubes 02 Spring Fling & 07 Magic Spell (BNIB) $10 each
• Patrick Starrr Lip Snatcher Lip Liner Outta Line (BN) sold
• MAC Love Me Lipstick Under the Covers (BNIB) $9
• MAC Lip Pencil Subculture (BNIB) $10
• Clinique Chubby Stick melon (BNIB) $7
• Bobbi Brown Crushed Lip Color Angel, Sunset & Grenadine (BNIB) $14 each
• Bobbi Brown Luxe Lip Color Mini Neutral Rose (BNIB) $7
• Bobbi Brown Crushed Lip Gloss Free Spirit (BN) $14
• Bobbi Brown Extra Lip Tint Born Nude (BNIB) $12
• Laura Mercier Creme Smooth Lip Color Palm Beach (Swatched x1) $6
• Anastasia Matte Lipstick deluxe size Dead Roses (BNIB) $3
• Visee Lip Oil 002 Hold Me (BNIB) $9
• Nars Lip Gloss mini Priscilla (BN) $2
• Saint Luxe Lip Liner Duo (BNIB) Free with Purchase
• True Lucsious Super Moisture Lipstick Vintage Rose (BNIB) Free with Purchase
• Laura Geller Color Lustre Lip Gloss (BN) $5

Skincare Verification: https://imgur.com/a/TfQlafY

• Estee Lauder Revitalizing Supreme+ Moisturizer and Youth Power Soft Creme 2.5oz (BNIB) $45
• Origins Charcoal Face Mask (BN) $10
• I'm From Rice Mask (BNIB Exp 12/25) FS $15, minis $4 each
• Klairs Freshly Juiced Vitamin E Mask (BNIB Exp 6/25) $4
• Charlotte Tilbury Magic Cream .5oz (BNIB) $15
• Paula's Choice Hyaluronic Acid + Peptide Lip Booster (BNIB) $14
• Innisfree Pore Clearing Clay Mask (BNIB) $8
• Saturday Skin Yuzu Vitamin C Bright Eye Cream (BNIB) $15
• Kate Somerville Goat Milk Moisturizing Cream (BNIB) $15
• Klairs Midnight Blue Calming Cream (BNIB Exp 2/25) $20
• 111Skin Rose Gold Radiance Booster (BNIB) $18
• Estee Lauder Advanced Night Repair Eye Concentrate Matrix (BNIB) $25
• I'm From Pear Serum (BNIB Exp 9/24) $18
• Rovectin Skin Essentials Activating Treatment Lotion (BNIB Exp 10/23) $10
• Wishtrend Quad Active Boosting Essence (BNIB Exp 12/23) $12
• Mudmask Eye Cream (BN) $11
• MudMask Blue Clay Mask (BN) $5
• Alpha H Liquid Gold 100ml (BNIB) $17
• Clinique Moisture Surge 2.5 oz (BNIB) $25
• Shani Darden Retinol Reform 10ml (BNIB) $6
• Biossance Squalane Marine Algae Eye Cream (BNIB) $15
• Tower 28 SOS Daily Rescue Spray 1oz (BN) $5
• Fenty Beauty Total Cleansr Makeup Removing Cleanser Mini 1.5oz (BN) $4
• Dermelect Self Esteem Beauty Sleep Serum (BNIB) $9
• AHC Essential Real Eye Cream for Face (BNIB) $8
• 111 Skin Nocturnal Eclipse Recovery Cream Mini .5oz (BNIB) $5
• Akar Restore Eye Serum (BNIB) $16
• Barbor Hydra Plus Hydration Ampoule Concentrates (BNIB) $10
• Derma E Advanced Peptides & Collagen Serum .5oz (BNIB) $8
• Symbiosis London Tightening and Replenishing Eye Mask (BN) $10
• The Body Shop Drops of Youth Liquid Peel (BNIB) $8
• French Girl La FLore Botanical Serum (BNIB) $6
• Good Molecules Niacinamide Serum (BNIB) $3
• Ulta Skincare Watermelon Refresh Sleeping Mask (BNIB) $4
• Exuviance Sample Bundle: $8
  • Deep Clean AHA Cleanser
  • Glycolic Expert Moisturizer
  • A.G.E. Less Everyday Moisturizer
  • Overnight Transforming Complex
• Peach and Lily Sample Bundle: $15
  • Glass skin face polisher
  • Glass skin refining serum
  • KP Bump Boss Microderm Body Serum
  • KP Bump Boss Smooth Body Lotion
  • Power Calm Hydrating Gel Cleanser 1oz
  • Match Pudding Antioxidant Cream .84oz
• Acne Sample Bundle: $10
  • Cerave Foaming Facial Cleanser
  • Origins Checks and Balances
  • Proactive Green Tea Moisturizer
  • Sephora Clean SKin Gel
  • Vichy Acne Control Daily Moisturizer
  • Purity Pore Extractor Clay Mask
  • Ulta Pore Strips (8pack)
  • Thayers Witch Hazel Facial Toner
• Anti-Aging Sample Bundle: $10
  • L'Oreal Age Perfect Midnight Serum
  • Keys Let Me Glow Illuminating Serum
  • Lancome Genifique
  • Shiseido Benefiance Eye Cream
  • Tony Moly Plump-kin Retinol Eye Cream
  • Bare Minerals Skinlongevity Serum
  • Pat Mcgrath Divine Skin The Essencw
  • Love Wellness Call Me Collagen x2
• Lux Sample Bundle $10
  • Estee Lauder Nutritious Melting Soft Mask
  • Peter Thomas Roth Ultimate Solution 5 Multitasking Moisturizer
  • Fresh Black Tea Age Renewal Cream
  • Sunday Riley Afterglow
  • Perricone MD Growth Factor Firming & Lifting Serum
  • Dermalogica Biolumin-C Serum
  • Dior Dream Skin Skin Perfector
• Moisturizer Sample Bundle $10
  • Ulta Beauty Honey Miel Peel Off Mask
  • It Cosmetics Confidence in a Cream x3
  • Vichy Normaderm BHA Exfoliating Serum
  • Proactiv Renewing Cleanser
  • Philosophy Purity Clay Mask
  • Vichy Liftactiv B3 Serum
  • Mario Badescue Facial Spray with Aloe Herbs and Rosewater
  • Belif The true Cream Moisturizing Bomb
  • Kylie Skin Face Moisturizer
  • Clinique Dramatically Different Hydrating Jelly
  • N07 Future Renew Damage Reversal Serum

Other Verification: https://imgur.com/a/jgUpId

• Eyeko Eyelash Curler (BNIB) $5
• Bobbi Brown Eye Blender Brush (BNIP) $9
• L'Occitane Hand Cream 1oz (BN) $5
• Body Care Sampler $12
  • Mario Badescu Coconut Body Butter
  • Mario Badescu Coconut Body Scrub
  • Dionis Goat Milk Body Lotion
  • Dionis Hand & Body Goat Milk Cream
  • Crepe Erase Body Firm
  • Hempz Body Moisturizer Ocean Breeze
  • Mega Babe Space Bar Detoxifying Underarm Bar x2
  • Osea Undaria Cleansing Body Polish
  • Crepe Erase Body Smooth Pre Treatment
  • Ulta Beauty Coconut Cream Scented Body Lotion
• Perfume Deluxe Size Bundle 5 for $25
  • Victor and Rolf Good Fortune
  • Commodity Paper
  • Ralph Lauren Ralph's Club
  • Armani Aqua di Gioia
  • Lancome Idole
• Burberry Her Eau de Parfum 1.0oz + Deluxe size dabber (BNIB) $50
• Moschino Fresh Couture Eau De Toilette 1.7oz (Sprayed x2) $30
• Clinique Happy Perfume 1.0oz (BNIB) $20
• Maison Margiela Replica Springtime in a Park 3.4oz (BNIB) $60
• Maison Margiela Replica On a Date .34oz (BNIB) $15
• Mugler Alien Goddess Supra Floral .34oz (BNIB) $11

ISO List:- Try me on Suqqu Eyeshadows and Blushes- Charlotte Tilbury Eyeshadows

I was displaced due to disruptive maintenance for a month last year, so I filed a T6 after my landlord wouldn’t remedy the situation, and he absolutely lost his mind. He started threatening to sell, threatening eviction, threatened police action, sent fake notices of showings, tried increasing my rent without notice, won’t provide rental receipts, and exhibits very contemptuous and rude conduct towards me. We surprisingly had a good working relationship before I filed the application.
Most recently, he changed his auto deposit settings so now I have to enter a security question and passcode. I messaged him letting him know the code and said that would be the code going forward. He msged back saying it wouldn’t work and accusing me of doing “something differently this time”. Followed by an interact request for additional money. He threatened eviction based on late payment, called me immature and 40 mins after I stopped trying to explain how autodeposit settings worked, he accepted the transfer and said it was resolved with his bank. He warned me not to do the “same thing” next month.
This month, I sent payment and again, needed to enter a passcode. I used the same one as the time before. He has not accepted the transfer and it is the 15th.
I need a new parking garage fob because mine died, and the management office requires owner approval. He denied the request so now I’m unable to get to my parking spot unless I wait for someone else to access it with their fob.
I do not want to move out just because he doesn’t respect me exercising my legal rights. But I also don’t want to endure this harassment any longer, I feel like I’m constantly anticipating his next form of harassment. I’ve called the RHEU and they can’t help. It seems like all I can do is sit and wait for a LTB hearing, but with the garage fob and any other maintenance issues that may arise, he’s going to similarly ignore my rights as some form of retaliation because I simply filed an application.
Any advice for this situation? I’m at my wits end, so any advice is appreciated.

Purchased a monthly fitness/nutrition coaching program. Within 15 minutes of purchase, I realized this particular regiment included the use of PED’s. That was not something I wanted to partake in, so I reached out to the owner of “Get Slanked LLC” speaking directly to the owner, Seth Shaw, to cancel. After some back and forth I finally got him to cancel the subscription. Payment was not made in a P2P format. During this 15 minute period, there were no services rendered but a refund was refused. I was not sent a payment receipt at all. NFCU denied the claim stating “We did not find any record that the purchase was canceled or that your cancellation resulted in a refund.” Neither of which are accurate. While this dispute was open the owner contacted me and was extremely hostile over the phone. While speaking to a NFCU representative, she advised me to “contact the merchant for a cancellation receipt.” Which of course was of no luck. I’m extremely displeased as I have been banking with Navy Federal for years and have multiple auto loans with them, and they just hang me out to dry.

Simply: Buy -> Pay -> Credit Up
Non-Simply:

• Open two Debit Cards, if it isn't free change banks
• One will be checking, The other Saving
• If you already have the two good
• DO NOT BUY WITH THE DEBIT CARD UNLESS IT IS URGENT

Now check splitting.

• Checking > Saving
• Always have more money going into checking more than whats going into savings.(60%-40%, 70%-30%, 80%-20%, 90%-10%)

Now Credit Cards.

• When opening a credit cards if you can set it < $1.000($100-$500 recommended)
• You will only buy with this credit card.
• DO NOT OPEN MORE THAN ONE UNTIL THE FIRST IS STABLE!!!!

How to Keep Track of Spending

• Spending Will be Tracked Physically With a Note/Checking book
• Set up Spending as (Place Spent, Money Spent, Date, Total Spending)
• Always Take Receipts When Paying With Credit

How to Track Spending on Paper

• Example:
  • WallStore, 200, DDMMYYYY, 200
  • MCdeeznuts, 10, DDMMYYYY, 210
• RECEIPTS! KEEP THEM!

How Credit works & how to get more Spending Money

• Simple:
  • Buy, Payback on Time, More Credit & Trust
• Credit is Trust
  • The More Credit Means People can Trust you Because you pay Back on Time
  • This Also Means you can Add More Spendings to That Credit Card

Super Basic Stuff
Dont keep Important Numbers on Digital Devices so

• Bank Accounts
• Passwords to Important Accounts
• SSN Remember these, NEVER have the ssn on you not in your wallet not on your phone

Technology Maybe Good but IT IS EXTREMELY UNSAFE, a piece of paper cant be hacked.
The only thing you use the checking card for is paying back credit cards, savings is an emergency fund pretty much.
Modern US society is basically built around credit cards so when someone ask "how can i build credit without credit?" you still have money on the first credit card, using that money and paying back is how the credit and money goes up
you can file directly to the irs also with taxes https://www.irs.gov/filing https://www.irs.gov/payments
the irs should tell you if you do it right, renting wont be as difficult because the landlord pays the taxes you just pay a share.
Im no expert but its better than getting into a debt trap, if you keep up with credit. Cars, houses, collage should be the only debts you take on just pay them on time so intrest doesnt go up.
The housing industry is basically built on debt so you could be a million in debt but aslong as you pay the specified amount every period the debt wont go up or down but that debt amd can count as you having a million dollar networth.
if you dont want to pay taxes just dont ever file make checks physical and use cash. its becoming more difficult with most places phasing cash out.
if theres any question you can ask, i know theres older folks on here that can give extra knowledge ontop of this. Seeing its just a basic how credit works and how to use it smartly.
something something be responible.

Hey y’all I’m trying to get some bottles/mid-high partials of the listed and samples or decants of Lorenzo Pazzaglia frags. Specifically Summer Hammer, Van Py Rum, Dream Sea, Sex Sea, etc. Open to make deals for multiple, payment ready.

Svnth. Studio offers custom adult scripts for game development! We specialize in NSFW topics and romantic adult plots.
We are a small collective of gamers who love writing elaborate plots and character development! Through experience working as video game quality testers as well as individual gaming experience, we have learned what game writers need for a successful, captivating tale!
Not only can we build your dream world from scratch, but we also consider real-world references when developing your characters. This allows us to model your story from a partially developed game to create an authentic and cohesive story or a completely new concept from nothing but a tantalizing idea!
Svnth. Studio creates kinky board games, adult games, and more! We are familiar with gameplay and various forms of game media.
(Sample stories on profile)

Why Svnth. Studio?

• NO AI WRITING
• No limits (content and characters must be 18+)
• Experience with game development and quality assurance
• 2-4 day delivery (dependent on length/project)
• Flexible formatting (to adhere to your needs)
• Pricing: $.05/word (price negotiable based on project length)
• Multiple payment methods available (if you do not have your own platform)

DM to inquire!

Interested in an erotic writer to fulfill your fantasies? Perhaps you are an avid romance reader, searching for your next storyline to star YOU. If romance isn't your style, hot steamy erotica surely is.
Sometimes your imagination doesn't do the trick. Who wants to spend hours scrolling the internet to find the PERFECT scene to satisfy you, only to settle for something less than ideal? Nobody!
Commission a custom story that features your fantasies, characters, kinks, and more!
Check out several samples on my profile.
Am I the writer for you? Yes, If your fantasy is dark, twisted, and a little unsavory. Do you like to focus on the psychological element of kinks? Enjoy reading about the toll your fantasy takes on someone?
Custom Erotica
Short stories: 500-10,000 words (1-20 pages)
Pricing: ~$.07/word (read below)
Payment methods: Cashapp, Throne Only (at this time)
Perks:

• NO AI WRITING (100% guaranteed)
  
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-100% confidential: your story stays between us!
Terms:
For Cashapp: A 20% down payment is required before I start writing. Once your story is completed, I will send a preview and proof of word count. Once I have received the payment in full, you will receive the complete story through EMAIL.
For Throne: Full payment is required before I start writing.
Limits: Characters must be 18+
Next steps?
DM me with:

• Desired word count (500 words = 1 page, 10,000 words = 20 pages)
  
• 1-2 sentence summary of the story❗️DM to inquire about deals & discounts ❗️
  

Portfolio: https://sevenanonymous.journoportfolio.com/

We were tenants for 4 years at a house in NC and left the place in great condition. We paid over $400 for professional cleaning and carpet cleaning. We did move out in a hurry so there were some holes in walls left by screws, light bulbs that needed to be changed, lawn that had to be mowed, and couple other small things. LL said there were $430 in damages, and refunded $1170. It seemed sort of reasonable, but little on the high side. The $430 invoice was given by some handyman to LL, and nothing was broken down. Just said:

REPAIR - Repairs remove curtain rods and parth holes. Remove nails and patch all holes on walls. Replace HVAC filters and change out all blown light bulbs. Remove child safe latches from cabinets. Cut grass and edge. Grass was very overgrown and had small trees growing through

My wife asked nicely for itemized list that NC law says the LL needs to provide. She referred to the invoice again which had no details. Just the repair notes and a $430 total.
I wrote a little too edgy response quoting the statute that requires them to provide itemized receipts and list.
LL wrote back saying:

Thank you so much for making me aware. I have put a stop payment on the check. As soon as I get the bill for the broken kitchen drawer, I will send the invoice and another check.

We did move out of country but will be visiting US again later this fall. If I did want a hill to die on, would a judge in small claims be unhappy with a LL that retaliates like this, and cancels the check LL already sent to us and we have received? Doesn't the LL also have to send itemized receipt even if she does deduct a little more for additional damages she didn't initially ding for?

Hello everyone,
I hired a business startup company to help with the formation of my company. This company charges the highest price on the market (60,000 AED). Similar services are available for a fraction of the cost. I chose them because the owner is an old acquaintance from my hometown, and at that time, I had an investor, so it wasn't my personal money.
However, my investor backed out during the negotiations. I asked my acquaintance if we could postpone the startup by about a year due to financial constraints. He insisted that this was not possible because he had already paid for some initial steps out of his own pocket. Instead of 60,000 AED, he asked for an initial deposit of 26,000 AED, which we paid.
What we didn't know was that the only service he had paid for was the reservation of our company name, which cost less than 800 AED.
Due to personal circumstances, I am now completely broke and considering leaving the UAE. I called him and asked if we could get the 26,000 AED back, minus the costs incurred so far. He refused, saying he had already hired another agency for this service and that I had paid for his time. When I asked for a breakdown of the expenses, he told me it was none of my business.
Additionally, we have a payment receipt but never received a signed contract or offer from him. He sent us an offer, which we signed and sent back, but he never signed or returned it. Therefore, this document exists only with our signature, which makes the agreement legally non-binding, correct?
Can I legally demand a refund if he has not provided any significant service? Is it legal for him to keep the money given my situation where I cannot afford to continue or utilize his services?
Thanks for your help.

The title of the previous Bankedex has been making people think it only contained offers for NI. So here it is again, with all the current offers and with a more generic title. There are currently 5 active bank switch offers (and only one is specific to Northern Ireland!).
*****************
Here is the the ultimate guide to UK bank switch offers - the collective knowledge of ~140k BeermoneyUK members. Switch your bank account, get a cash reward for doing so. But don't switch your main account, open up a second account and switch that to get the money!
​
Updated 15/05/2024:
​
The most commonly asked bank switch questions:

1. I started to switch to XXX bank before the offer ended, am I still eligible for the bonus?

Yes, usually, most terms will state that a switch just has to be started (or applied for) before the end date or before an offer ends.

1. Do I have to transfer the required amount in all in one go, and does it matter if I pay money in before my switch is complete?

No and not usually, as long as the amount you pay in adds up to the required amount, and as long as you pay it in before the deadline stated in the terms. There has been one exception to this - Co-op - so check individual terms.

1. I need to switch "active" direct debits, does a payment need to have been taken before I switch?

According to Nationwide, an active direct debit is one that has been set up or had a payment taken from it in the past 13 months. So no, according to this. But why not just wait for the direct debit to be taken? You'll not have to worry about it then.

https://twitter.com/AskNationwide/status/1442939781491486720

1. How do I set up and switch an additional Chase current account?
   

   • See Chase instruction here to open an additional account.
     
   • The second account will be linked to the same card as your main Chase account.
     
   • Use the secondary account details and your original card details when switching.
     

2. What are the easiest/best direct debits to use for bank switching?
   

There are many: Paypal, Ebay, Moneybox savings account, Plum savings account, your credit card, Sprive Mortgage auto savings, Wealthify Robo Saving. We recommend ones that save money into an account in your own name. Here’s useful ones that have additional bonuses available via beermoneyuk

Site/App	Offer	Comment
Park Christmas (Search)	Save for Christmas via direct debit
Plum (Search)	A very useful direct debit	Easy and fast to set up
Sprive (Search)	Autosavings for mortgage overpayment direct debit (£5 bonus)	Easy and fast to set up
Wealthify (Search)	A very useful direct debit (£1/month min)	Easy and fast to set up

Questions about Bank Switching should generally be asked here. Posts on the subreddit asking questions about bank switching will probably be removed.

As always with the Bankedex, we need your help.

The post has been updated with the newest offers, and tips commented in the previous Bankedex posts, and those in other posts on beermoneyuk. But it is a difficult task keeping on top of all the questions. Please continue to share your experience with Bank Bribes. I will add questions/answers to this post. Your help is much appreciated - thanks to you all.

Current bank switch offers (£551 in total)

Bank	Bonus	Offer Deadline	Comment
Barclays	31k Avios for £48 spend	None	£100 profit, Requires premier banking
First Direct	£175 to switch	None
Danske Bank	£175 to switch		Northern Ireland only
Santander	£175 to switch	None	£15 extra available
Virgin Money	£100 to switch	31/05/2024	10% gross interest rates boost to 12% on £1k for 1 year (~£120 total) + extra £30 via Snoop

No switch, just sign up bank switch offers

Bank	Offer	Comment
Tide (click for details)	Spend £100, get £75 cashback	A beermoneyuk staple
Monzo (click to search)	Spend £1, get £5 or £50	£50 is for a business account
Starling (click to search)	Free National Trust Day Pass

Never switched a bank account before?

You should consider it. It is one of the easiest and most efficient ways of earning a little beermoney. It is advised to leave your main bank account alone. Instead, switch a secondary bank account, or open a new account at your current bank to be used just for switching. Recommended steps:

1. Open a second current account with your main high street bank (must be part of CASS service)
2. Set up direct debits on the second account (if required).
3. Add £1 to your second account. This will be transferred to your new account, allowing you to see when the switch has been completed.
4. Apply for a new account and arrange to switch to your second bank account (sometimes this is during the application process, other times it is after the account is opened).
5. Let the current account switch service take care of everything.
6. Make sure all other terms are met (e.g. pay in money if needed).
7. Receive your bank switching bonus.

You will hear about lots of people rushing through all of the switch bonuses available. These offers have been coming and going for years, my advice is to do an offer that tickles your fancy and try out a new bank. Then, if you decide you do not like your new bank you should sample another bank and get paid again!
​

Are there some bank accounts worth keeping?

Why yes. Some are quite good, and give ongoing rewards. For example, Club Lloyds gives free Disney Plus. See the "don't leave us please" bank rewards post. Some also give access to the best savings accounts (e.g. regular savers).

Detailed switch offer information

Whilst we do our best to make sure things are correct, sometimes errors do slip through. Always do your own research. Also, it may not be possible to work through all of these.
​

Barclays

Current offer: 31k Avios for full switch to Premier Banking, and paying £12/month for “Avios Rewards” for 4 months - works out around £100 profit when converted to Nectar points.

Direct link to offer (scroll down)

• You must switch to Premier Bank account.

These are premium accounts, supposed to be for those with £70k+ salaries. However, cycling £4201 each month also appears to do the job

Offer end date: None listed
Requirements:

• Open a Barclays Premier bank account & join Avios Rewards (£12/month fee), or
  
• Complete a full switch from a different bank (you do this from within the app, after opening the account).
  

Reward payable by: 1.5k Avios each month for Avios Rewards, 25k Avios paid in month 4 for the switch.
Available to existing customers: No.
Additional notes: it can be worth doing the Barclaycard Avios Plus offer at the same time, as you will get a discount on the credit card fee.

​

Danske Bank

Current offer: £200 for full switch

Direct link to Danske Bank offer

• You can switch to their Danske Reward, Danske Choice or Danske Freedom current account.

Offer end date: No end date given, may be removed at any time.
Requirements:

• Full switch (no direct debits mentioned).
  
• After opening account, pay in £1000 within 60 days (can be multiple deposits)
  
• You cannot have had a Danske Bank reward since 01/01/2024
  

Available to existing customers: only if you are a new personal current account customer. .
How long does it take to pay the bonus: paid within 10 days of meeting requirements.

​

First Direct

Current offer: £175 when you switch

Direct link to First Direct offer

• You can switch to their First account.

Offer end date: No end date given, may be removed at any time.
Requirements:

• Full switch (two direct debits or standing orders are required).
  
• After opening account, log in to mobile banking, pay in £1000, and make 5 debit card payments within 30 days.
  
• You cannot have had a 1st Direct account before.
  
• You cannot switch if you have an HSBC account opened after 01/2020
  

How to do it: Once your first direct account is open, simply log into your first direct app, select the account you wish to transfer into, tap ‘switch to us’ from your account menu and follow the instructions.
Available to existing customers: No. Also can't have had a HSBC account opened since January 2018.
How long does it take to pay the bonus: paid by the 20th of the month following that in which you met all of the criteria.

​

Santander

Extra £15: You can get an extra £15 by signing up to a Santander Edge account via Topcashback. If you don't have a Topcashback account, you can sign up here:

Topcashback sign up + Additional £10 Bonus

Current offer: £175

Direct link to offer
You can switch to any of these paid current accounts: Santander Edge current account, Edge Up, or the Private Current Account

Offer end date: None given
Requirements: Full switch.

• Apply to switch when you apply to open the account (or existing customers can just switch into an existing qualifying current account).
  
• Complete switch of a non-Santander account, set up 2 active direct debits, and pay in £1500 within 60 days of applying/telling Santander you want to switch. Must keep direct debits active on account
  
• Cannot have had a Santander-group bonus previously (Santander, Cahoot, Cater Allen)
  

Reward payable by: between 60 and 90 days after opening the account.
Available to existing customers: Yes (can switch a non-Santander group current account into a new or existing Santander account). Existing customers may need to visit a branch.

​

Virgin Money

Current offer: Extra 10% interest on £1k for a year (~£100 bonus)
Extra £30: You can get an extra £30 by signing up to Virgin via Snoop (you need to connect your Virgin account to Snoop). If you don't have a Snoop account, you can sign up here for an additional fiver too:

Snoop £5 sign up bonus
Direct link to Virgin Money offer

• You can switch to their M Account (free, ~10% interest total, gross), M Plus Account (free account, ~12% interest total) or Club M Account (costs £12.50/month for insurance and stuff, ~12% total, is one of the best value package accounts - especially if a joint account)

Offer end date: apply by 31/05/24
Requirements:

• Full switch (two direct debits required as part of the switch).

Available to existing customers: No. And can't have closed an account since 30/04/2024
How long does it take to pay the bonus: interest is paid monthly, so a a year to get it all!

​

General Bank Switch Questions

Current Account Switch Bribes - Why do they offer them?

They want your business. Banks like fighting each other for customers. Most of them know they can't win by highlighting their outdated systems and products, so they fight each other by offering potential customers cash bribes (or equivalent) to switch their "main" bank account.

Can I switch any bank account to get a bribe?

No. You must switch a bank account that is part of The Current Account Switch Service (CASS). Most high street banks are included. But some Neo Banks are not (e.g., Kroo, Revolut, & Monese are not included). You should try to avoid switching your main bank account. You can always open an additional account just to switch.
See here for a full list of CASS banks.

Is it too much hassle?

No. The Current Account Switch Service (CASS) makes switching your account between most banks smooth and effortless. You do not have to do anything apart from apply for and set up a new account at a different bank and tell them you want to switch your account to them. Everything is transferred automatically (except recurring card payments).

Is there the best route to sample all the banks with switch offers?

Do the offer ending soonest first. Then you might switch again. If you complete all offers in this post, you could earn yourself >£1000.

Some of these end soon. Will the offers come back?

Banks have been offering bribes on and off for many years. We can't predict the future. But this is not a new thing.

How long does a bank switch take?

Approximately one week.

Do I have to switch my main account?

You could. But you don't have to. Many people have second bank accounts. One option may be to open up a second account with your current high street bank, add some direct debits to this second account and then switch it to the new bank you want to try out. On the sub, people also like Starling or Monzo as they are easy to set up (but you might want to switch back to them at the end - their functionality wins vs any usual high street bank).
High-street banks also let you open multiple accounts. If you already have an account with one, you might want to open an additional one with your current bank first (Halifax, NatWest etc are reported to allow several current accounts and to be fast to open).

I have savings accounts at the same bank as my current account. Can I still switch to this current account?

Yes. Only the current account will be closed (some linked regular savers may be converted to normal savings accounts). You might want to consider if switching to a secondary account is a better option.

I have linked savers attached to my current account. Can I still switch it?

Possibly.

Which banks let me open a second bank account?

Most of them.

Do I need to activate the card on the account I am going to switch?

Just do it anyway. Some banks require it

What details do I need to switch?

• Sort code and account number.
• Debit card information.
• Usually, but not always, 2 active DDs on the account you are switching.

Do you need to have money in the account you are switching?

No. But it might be a good idea - this will allow you to see when the switch happens (i.e. when the money is transferred!).

I do not have a bank card with my old current account as it is very very old, can I still switch it?

Most online forms require card details, but you can usually switch such accounts over the phone.

My new bank has not given me my account number (e.g. NatWest).

Usually, these are sent via post/email when you sign up. But some banks don't have the account numbers on the card, or maybe letters get lost in the post. If this happens, wait for the card to arrive and contact their support. If you get a bot on the chat thing, type "speak to a human" repeatedly.

My new bank account is a premium account and it has a fee. Do I need to keep paying for this?

No. You can downgrade the account. But you should probably wait until you have been paid the bonus.

I don't like my new bank, do I need to wait for the bank card before switching again?

Yes. See question above. Most banks require the card details of your existing account.

I made an account just to switch. Can I switch before my new bank card arrives?

Best not to. You are asked to enter the debit card information as part of the process.

The offer says I have to pay in £xxxx. Does it have to be in one go?

No. You can transfer in and out. The total sent in has to be equal to or greater than the stated amount. You should be careful with this though, sending money in and out of an account can trigger anti-fraud measures.

The offer says I have to pay in £xxxx. Can I pay it in before the switch completes?

Yes. You can pay it before, after, or during. You can manually transfer it, or it can be transferred automatically from your old account.

I've been asked to verify my identity. Is this normal?

Sometimes automated checks fail. If this happens, you may be asked to manually verify your application by visiting a branch or sending in a copy of your ID.

I switched from Monzo/Starling and want to return, can I?

Starling does not let you return within 12 months. With Monzo, it's possibly a shorter one month that you have to wait.

Do I have to switch direct debits?

Check individual offer terms.

What is an "Active" direct debit?

An active direct debit is usually one where a payment had been taken in the last 13 months. But some bank switch terms require direct debits to have been paid out of the account. If an offer requires an active direct debit, it's safer to switch to an account that has already paid out direct debits.**

What are good direct debits to set up on a second account?

There are many: Paypal, Ebay, Moneybox savings account, Plum savings account, your credit card, Sprive Mortgage auto savings, Wealthify Robo Saving.

I recently switched to XXX Bank, and I do not like it. Can I switch again?

Yes. If you are not happy with the new service, you may want to switch to a new bank that will pay you to give them a try.

Do I have to stick with my new bank for any length of time?

No.

If I switch away, will the bank claw back the bonus?

Very unlikely. They would have to specify this in their terms, and none have ever done so.

My switch is complete, but I have not yet received my bonus. Will I still get the bonus if I switch this account before it is paid?

Probably not.

My most recent switch is not quite complete, but I have already received the bonus. Can I start another switch?

You should probably wait for the switch to complete.

Can I get more than one bribe from each bank?

Sometimes. With some banks (e.g. Nationwide), you can get a bonus for switching one sole and one joint current account. Other banks will pay you to switch again, as long as you have not had a bonus in a specified amount of time. You will need to check individual offer terms.

XXX Bank gave me a bonus before, can I get a bonus again?

You need to check the individual offer terms.

Will this affect my credit score?

Credit scores are a funny thing, What is more important is what is actually in your credit file. Obviously, if you apply for an overdraft then it will affect your "credit score". However, if you do not have an overdraft or you make sure that you have paid off any overdraft before switching banks, then a single current account switch should not negatively impact your credit score. Nevertheless, typically all major banks (excepting Monzo and Starling) do a hard credit search, and this will be recorded on your file. If you plan on applying for a new mortgage soon then you may wish to exercise caution in switching between a load of banks. This is because the hard searches performed by banks will appear on your report and may have an effect for 6-12 months.

Which banks do hard searches and which do soft searches??

See here. Most banks do hard searches.

• Hard searches: Bank of Scotland (first account only), Barclays, Co-op, Clydesdale, Halifax (1st account only), First Direct, HSBC, Lloyds (1st account only), Monzo, Nationwide, NatWest, RBS, Santander, TSB, Ulster, Virgin Money.
  
• Soft searches: Starling, Metro Bank, and Chase
  

I have a bad credit score, will I be accepted to XXX bank?

Unfortunately, we do not know the acceptance criteria of the banks. You might be unlucky with one bank, but lucky with another.

My application was rejected. Why?

Nobody here knows. You could try appealing, but your only way to find out more is to contact the bank.

After switching my account, I still have online banking with my old provider. Do I need this?

No. You do not need to keep the online access (you could shut it down). But you may wish to retain these details in case your old bank suddenly appears with an offer that makes you want to switch back. Or open up a savings account.

Has anyone else been paid for switching to XXX Bank yet?

Check the terms of the offer you signed up for. Some banks have long deadlines and stick to them (e.g. Santander, TSB). Some are quicker. If you haven't been paid within the stated terms, then you should contact the bank's support.

Chandra wears so many hats!! She is an expert in relationships (including familial and especially marital,) entertainment, the history of everything (especially the British monarchy,) fashion and now the US financial and tax system and all business everywhere especially in California, where she does not even reside. SO BUSY!!
Last year, I had to file an amended tax return because of a perfectly innocent mix-up on CB’s end. I wrote a check to the IRS to cover the amended filing, and while the check was en route, the IRS sent me a notice of what I owed. I wrote a second check and sent that in. Long story short, I ended up getting my overpaid taxes back in a refund check, but I maintain that it was the right thing to do when dealing with the federal or state government. Overpay and let them figure it out. I bring this up because it looks like the state of California messed up on the Archewell and the Sussexes are getting the blame for it. The answer, if you’re a regular person without an entire international press breathing down your neck, is to just issue a second $200 check without question and just let the California DOJ sort it out. Of course, that’s assuming that the Sussexes knew about the missing check before \someone* leaked it to Page Six.*
Wow. If anyone reading this needs tax and/or financial advice please call the IRS or the state you live in or a licensed tax professional or a financial expert. Or even just Google it.
“They said the California state filing, renewal and required payment were sent and delivered to the Attorney General’s office via tracked mail, and received on time.” So it’s another version of “everything was fine on the Sussexes’ end, the screw-up happened somewhere else.” At first it was a question about whether the check had been lost en route, but now they’re saying that the check/envelope arrived at the state office and they have the tracking receipts to prove it. Which might explain why, just hours later, the California DOJ reversed course and now says that Archewell is in good standing.
Sounds like Archewell’s lawyers ripped into the California DOJ for failing to process a check which they received months ago. The fact that this whole thing was cleared up in roughly 24 hours actually shows that the Sussexes have all of their ducks in a row and they keep receipts. Something for the Windsors to consider, you know?
Also: Governor Newsom even spoke about Archewell’s good standing in the state during a Tuesday press conference. Whoever organized this hit job did a pretty sh-tty job if everything was cleaned up this quickly.
I'm sorry....where does it sound "like Archewell’s lawyers ripped into the California DOJ?" To me it sounds like someone followed up and got everything straightened out. Chandra seems to love to imagine scenarios where people scream at other people.
"the Sussexes have all of their ducks in a row and they keep receipts. Something for the Windsors to consider, you know?"
What do the Windsors have to do with this, other than the fact that Chandra is obsessed with them? Sounds like KATIE is the one who needs to keep her ducks in a row and Chandra the one who needs to keep receipts if Katie can't even file taxes properly. A "perfectly innocent mix-up" LOL
Also "Look at me, Meghan!! I can apply anything that happens in your life to an experience in mine!! Call me, girl, so we can catch up!!"

I booked a flight from Istanbul to Mumbai on Booking.com. I did receive an eticket from the airline but never got a receipt that included the details of the payment that included the money I paid for extra legroom seats and additional luggage. Talking to the airline they have no record of additional luggage payment and Booking.com is giving me the run around!