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That may be inconvenient, especially if you want to stash the funds in a savings account or use it to pay off another loan or credit card balance.

This influences what lenders then charge their customers for loans such as mortgages, as well as the interest rate they pay on savings accounts.

Following last year's deal - the biggest banking takeover since the financial crisis - Nationwide became the UK's second largest provider of mortgages and savings accounts.

Stephen, from Hertfordshire, had more than £40,000 taken from a savings account after his name and email address address was used to get the information from EDF.

A CD is a type of savings account where you put in a lump sum of cash for a set amount of time without touching it and lock in a set interest rate.