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Basic accounts 'failing poorest'
Basic accounts 'failing poorest' Basic bank accounts fail to meet the needs of half the UK's poorest people, the National Consumer Council says. Research carried out for the NCC reveals that those with such accounts are more likely to get into financial problems than those without them. The accounts, the survey of 1,520…
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Need to save £31K by December 2006
Big ask I know - we are going to be building our own house and thats how much we need on top of the mortgage for everything. I'm going to give our monthly budget - if anyone can see where we can cut down (or out) please tell - even if we can get to about £25K we should be ok and we have £6K. Mortgage of persent house: £350…
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Unorthorised overdraft charges
I had a current account with cahoot over a 3 year period between the years of 2001 - 2004 (ages 22-25) I would constantly go over my agreed overdraft every month and get charged £20 per month - I know this was my fault and I shouldnt have gone over the limit ect - I have since got a new bank account and havent been over…
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alliance and leicester sharp practice?
No I'm not accusing, just worried and questioning. Applied for premier plus a/c in branch on Frid. Too late for result,but rang head office on Sat and told verbally it had been refused-we had been allotted standard current a/c. We would receive a letter. Rang underwriters Mon. We were old husband had a £12 default on…
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Victim of Debit Card Fraud - Advice Please!!
Hello, I've recently been a victim of Switch card fraud and want some advice. I have a Student Account with the Royal Bank of Scotland and back in May I noticed several transactions paid out to "william hill" and "ladbrokes" (both of which are bookies).These were all done over the phone or on the net. In total there was 9…
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Joint current accounts?
I am moving in with my long-term girlfriend as we both start graduate jobs in September. We are looking to set up a joint bank account to pay rent and household expenditure. Are there any restrictions on which accounts can be held in joint names? E.g. would it be possible to sign up for A&L Premier Plus jointly, since our…
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How many current accounts can anyone have?
as above...! thanks in advance.
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Budget Planner Discussion Area
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which bank account for my friend.
which is the best current account offering interest free overdrafts, cheque book and switch for someone earning less 1k. my friend is finally beginning to take finances seriously (and has undoubtly reduced debts because of this forum). she seems (finally) to be getting the savings bug. she trusts building societies more…
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Bank account to Australia?
Does anyone know, or have any experience of banking in Australia? Can I open an account here before I go? Are there Barclays in Oz? Anyone - help!
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How do I trace direct debits?
I don't know if this is possible or not: I am trying to 'streamline' my outgoings by getting rid of any payments I don't need to make (e.g. an internet access subscription from a previous home which I'd never bothered to cancel). I reckon this could add up to a good £20pcm or so. :o HOWEVER, there's several direct debit…
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Overdraft question?
I've applied for a Step Account with Natwest after the CCCJS advised me to open a basic account up as with Abbey i have a £600 overdraft and i'm constantly living off that. The CCCJ told me that all they are oing is taking my benefit. So what i want to know is after i have transfered my benefit and Direct Debits to my new…
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Under 18's and bank charges
Can a bank charge someone who is under 18. It is a total of 58 pound. A £30 pound Unauth borrowing fee and £28 payment fee for the cheque which cleared in 1 day. The day before the account was credited with months salary.
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Current Account with no minimum pay-in?
Apologies for earlier post; I think the problem with opening the Bank of Scotland current account was probably that we both earn less than £1000 a month and even then we do not plan on paying our salaries into the account. Does anyone know of an account we could open jointly which would allow us a switch card but has no…
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Holidays
Hi Guys, I'm currently saving for my first home, 27yo, filling my savings pot by living with family. I save about £1100/month, and wanted some advice on how I should budget for holidays. I've found it easy to stick to other parts of my budget like Social, Food, CDs/Electronics etc.. and I've tried to limit my holiday…
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overseas debit card - no charge?
which banks do 'no charge for using debit card abroad'? I'm planning to go to Lebanon and the US.. many thanks Stratopastor
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Help! What am I doing wrong?
Hi all, I'm a student going to uni in September this year (I took a gap year after getting my a level results last year) and am trying to get a student bank account... ..problem is, i can't seem to get one!! what the hell is wrong? I applied for HSBC's student bank account service in February, having no credit cards and no…
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improving budget planner
why is there no specific place to enter tv licence in budget planner? this is a standard bill paid by most people. how do we get this changed?
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Halifax charges -£39
Hi everyone, thought I'd start my own post rather than tacking on the end of other, relevant, posts! Basically, the Halifax charged me £39 for a failed cheque (it was written in good faith but the BACs credit I was expecting in to cover it went in a day later than normal, not the banks fault!) I emailed the Halifax, on the…
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Best Business Bank Account???????
Hi I'm new at this, so please go easy on me!! I intend to set up a small consultancy business where I am likely to be paid commission in US$, can you please advise me which is the best bank (Cheapest?? Most efficient?? Competent??) to deal with. Ady
