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Please help - panic about credit score!
Please help if you can - my partner and I have been turned down for a current account with cheque book etc with the bank of scotland which we wanted to open purely as a household expenses account. We didn't plan to have our salaries paid into it, just to put in a token sum every month to cover groceries and joint bills. I…
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Should I have bank statements sent to new flat or parents' house?
Not sure if anyone's going to be able to help me on this one, but can't make my mind up. Basically I've just moved out of my parents house and into a flat with my boyfriend. I am not sure if I should change all my details with my bank, credit card etc to my new address or not. My reasons for not doing are;* I think having…
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Using a Debit Card
I'm not sure where this thread would go but i want to ask a question about using my debit card. I'm due to have some money go into my account tomorrow. With this money i plan to buy a TV with it. What i want to ask is can i purchase the TV now with my card or do i need to do it tomorrow?
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First Direct New Charges
Can't believe it! First Direct has just started charging for the use of its text msg facility.....£2.50 per month! Time to swap current account
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What do I need?
Hi All, A big thank you to all out there - I have spent quite a bit of time reading through the forums and your great advice has proved invaluable. It has got my mind really ticking over about my finances. Last week I decided it was time to take on a second job to give me a bit of an added boost and this weekend I got…
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Abbey: when does an account become dormant?
New here, hope someone can give me some info. I emigrated to the US almost 6 years ago. Yesterday, my son returned from visiting his mother. About a month ago, a letter from Abbey arrived at my old address - he brought it back with him, and I read it this morning. The letter came from Abbey's "Debt Management Operations"…
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Anyone got a £5000 0% overdraft from Barclays ?
I am considering the "additions plus" current account from barclays. They are offering an "up to" £5000 0% overdraft for 12 months. And the same amount as a fee free balance transfer on a credit card. They advertised this in the paper, but are quite quiet about this on the web site. quote * If you take advantage of our…
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Current Account for people with ccj's
I have ccj's but need to open a current account. Does anyone know a bank that has such an account. i dont want an overdraft or cheque book but do need current account facilities.
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Nationwide telephone self service - FlexAccount customers
Just tried this new service. You register online [or over the phone] and they issue you with a 6 digit PIN [not the same as the one used when signing on] through the post. You call 08457 302016 [there's also a 'from abroard' NG number which allows low/no cost calling to this, but I won't give it here as you'll have to be a…
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Banks with competitive foreign cheque negotiation fees?
Hi Just wondering if anyone has experience with a bank that offers good foreign cheque negotiation fees? I'm currently with Barclays. They charge £9 processing fee (unlimited amount of cheques), but 2.75% for the currency conversion. Obviously as your check amount rises, that 2.75% starts to become quite significant.…
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Northern Rock Online Account
Advice needed please about how to find some money that appears to have been sent to my bank but they say they have no trace of it. Northern Rock started the problem because they kept giving me the wrong sort code and Swiftcode because it is an amount in Euros which is coming from Belgium. After many attempts at paying the…
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Caution! All those switching to the A&L, Halifax deals etc
Hi - couldn't find this posted anywhere else so here goes. Martins article on switching bank accounts to take account of offers clearly highlights the obvious benefits. However, it doesnt compare apples to apples. I would suggest it also needs to describe to people the differences between entities like A&L and banks like…
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emergency tax?
i have just started a new job,i do not leave my currant job for two weeks as they owe me some holiday my new employer says i will have to pay emergency tax until they get my p45 which is fair enough but how much is emergency tax.i have not paid tax or ni for 8 years as i only worked pt and did not earn enough :confused:
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Help please - best currentaccount with online access
Im about to kick my current bank into touch and am looking for guidance as to what might be the best current accounts around. Im not really to bothered about incentives or interest rates- more quality of service and ease of transfer/use/etc. I have overdraft facility if 1K which i rarely use and pay in about 3K per month.…
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Budgeting for returning to Uni
I am hoping that I might get some inspiration and new ideas from you all! I hope that I’ve posted this in the right place – if not, feel free to move it! I am returning to University next month, to do a law conversion. As it is full time study, I have had to give up my current full time job. They won’t keep me on…
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power of attorney ....what do you think...
my gran holds an account in uk (she lives abroad). as she is now getting older my family suggest that i should be added to the account so that we are joint if anything should happen they it is easier to sort things out. with power of attorney she needs to get a letter from her french solicitor (more costs and time!) and we…
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Paying in a US Cheque
Can anyone see any difficulties in paying a US cheque in US dollars into a UK current account or do all banks accept them?
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Banks 'Unpaid Cheque' Policy - Help!
Can anyone help me with this please? Some weeks ago i received a cheque for goods sold for almost £2000. I paid the cheque into my bank account the next day. Seven working days later, i checked my account and the cheque had 'cleared' and the money was available. I then released the goods. Four working days later i received…
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Credit Rating & Halifax
Hi all, Sorry if posting in wrong forum I've been in this country since mid 2002 (3 years altogether) on contineous employment with £40k annual salary and primary bank account with HSBC (current account+credit card+mortgage) Also have Tesco CC, Barclays CC with balanace paid off every month. Today my halifax current…
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A&L Premier / Premier Plus accounts (Merged Threads)
I'd like to open an A&L Premier Plus account for its in credit interest rate, overdraft, etc. but understand the account has a condition that £1000 must be paid in every month. As I'm currently between jobs and money is a bit tighter than usual, I'm considering opening just the Premier account instead, which I believe you…
