You can just go to the counter of any bank and ask for exchange, you do not need to be their customer...

If they refuse to change for you, you can try other banks

What happen if I buy things from Amazon/currys digital and I am not around when the parcel arrive? Will they deliver to the nearest post office and drop me a card?

Because the current place which I am staying do not sign off for parcel, and it is hard for me to sit at home 24/7 waiting for the parcel to arrive

oh.. Thanks I can now buy bread maker from Currys Digital and books from Amazon

This post has been edited by Raining: Sep 29 2009, 09:27 PM

I had make an order using my debit card online and I cancel it later on, so the retailer did not take a single pence from my account and they are not in the position of doing so.

But HSBC said that any debit card transaction cannot be cancelled after the payment is being authorized, therefore they "reserved" my money waiting for the payment which does not exist and they said this instruction will not be expired. It is outside their control to help me in this matter

So now even though the money is still in my account, but I am not allowed to withdraw or move it. Do you guys know what I can do in this situation?

This post has been edited by Raining: Oct 3 2009, 02:30 AM

thanks for your reply T-T, I am so worry that I cannot get the money back. By the way, the retailer was "Borders"

I am praying that they will confirmed with the bank that they cancelled the payment. I had give "Borders" a call, they said is my problem so refuse to help

This post has been edited by Raining: Oct 3 2009, 03:08 AM

"Borders" had confirmed that the order had been cancelled. But HSBC is still "reserving" the money for the payment of this order.

I have no idea whether "Borders" will notify my bank that this transaction do not exist or not, because to them, they had only request for authorization and did not take any $$

p/s: do you mean that it is impossible for me to get back the $$ if I order online?

This post has been edited by Raining: Oct 3 2009, 03:43 AM

Hi liew_jls,

It is very kind of you for the reply. I will wait for few working days first in this case, bcoz there is nothing I can do right now.

below is the reply from HSBC with regards to my matter

I think the word "presenting" in this email is like what Geminist said the retailer will confirmed with my bank that they had cancelled the payment

This post has been edited by Raining: Oct 3 2009, 03:56 AM

Hi Geminist and s3r^ph,

Thanks again, this thing made me feel so hopeless today

This post has been edited by Raining: Oct 3 2009, 05:33 AM

Hi Geminist and s3r^ph,

the "reserved" $$ had been released by my bank today. Thank you again

Lebara is pretty cheap when we use it to SMS/call to Malaysia, but do the people back in Malaysia we called/SMS need to pay when they pick up the phone or open our SMS?

This post has been edited by Raining: Oct 15 2009, 02:16 AM

Also, you can start applying for university's accommodation or look for your own accommodation..

but only pay after you secure your student visa

Hi,

Do you guys register with your own NHS dentist? I was given a list of nearby dental clinic by my university, but I checked and most of the ones at the city central are full, only left those located in the middle of nowhere. Therefore, I have to travel up to 1 hour time to get my own NHS dentist

There is a Dental Hospital near to my place where NHS patient could receive free dental treatment from student dentist, but I was told that the waiting list could be up to 2 months long