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Budgeting & bank accounts

Archives for November 2005

Overheard in the Halifax
I popped into the Halifax at lunch and overhead a member of staff talking to a customer who had been trying to pay some money (cash) into someone else's account. Apparently you are no longer allowed to pay cash into an account unless you are in possession of the card, not just the bank details. Presumably, you would also…
Am I right in keeping my old account ?
Hi Folks Heres the deal I'm with RBS not the best returns for your money but the customer service at my branch is wonderful been there about 10 years since getting out of dept I keeped myself on a budget of £50 per week. Always putting any extra into savings Ive just set-up an A+L account for the regular saver now to me…
Budgeting/spreedsheet question
Hi there! :wave: Could someone help me with something???? I am putting together a proper budget. Problem is that some of my income and bills are made on a four week cycle while the others are on a calendar month. :confused: How do you do the amounts??? :think: The thing is that they do not go out/come in on a set day of…
my bank are going to ruin my christmas, i need help!
Hi i have a big problem with my bank, (Halifax) I have been with them for years, and for the last 3 years ive had a Student Current Acc while I was at uni, anyway I graduated this summer and now I am working full time. I got a letter the other day saying that my overdraft is being cancelled on the 12th December, this isnt…
Why does it take so long to transfer money?
I did a transfer from my barclays a/c to my Nationwide flex a/c, although it has `gone` from barclays it will take atleast 3 working days to appear in my flex a/c why? and who gains from my money in the mean time-cause it`s not me. Wish i had paid a chq in now
Free £10 from Egg if you sign up to the Money Manager
Update Note: It's been extended yet again. The offer now ends 28 Feb 2006. Read below for more info (I've updated it). What is it? If you're an Egg customer and sign up to its Money Manager before 28 Feb 2005 it'll give you £10. What's Egg's Money Manager? This is Egg's software that enables you to look at all your bank…
Inactive accounts and money to charity???
Does anyone have any up-to-date inormation on the situation regarding dormant accounts and the putting of money therefrom into charities? I have a paper clipping from a few weeks ago that says about this, but I can't find much on the subject. Is it true that 'they' could take your money if you simply leave it gaining…
Bank Charges Again
Hi, Thanks to everyone who has sent me PM's asking for info on how to get their charges back. I have been inundated with requests (to the point that my messages regularly exceed the allowed limit and some drop off quite quickly), and so I apologise to those that I have not been able to reply to personally. Just to…
Getting your bank charges back
hhhhhhhhhh
changing accounts & credit rating
Does anyone know if changing my current account will have a negative effect on my credit rating? My rating is already lowish, mostlt due to having moved house recently and I don't want to make it any worse. I also have an overdraft and I'm thinking about taking up the A&L account currently on offer.
Banking a dollar cheque - any tips please
Hi there, I have been lucky and have inherited $20,000. If I pay it straight into the bank then it will be 14 days before we know what rate we will end up with and by that time will have lost all power. Any advice to an alternative? Sorry if this is the wrong board, feel free to move. :money:
need e mail address for halifax head office
want to recover bank charges from halifax and drafted letter but unable to print off letter because printer playing up. does anyone have e mail address for halifax. don't particularly want to call their 24 banking line thanks
Big pay drop, need to sell car in a hurry
Hi Have been using this site for a while now and thought Id ask you guys for some advice. I recently took a pay cut of around £800 a month to join the police, it's the career I've wanted for years and its taken me a long time to get in. I bought a Toyota Celica about 2 years ago and took out an AA personal loan, paying…
The hidden cost of banking with smile
I'm with smile and I should warn you the worst things about them is their bank statements or lack of.. The online ones have a poor layout and they charge you £2.50 per statement if you want them through the post. Home printed bank statements aren't acceptable in most situations where you are trying to prove your income ,…
My God, Halifax have some rubbish products!
After hearing about the Liquid Gold savings account (0.95% AER) I thought I'd have a look at their other products. Look at this .... Whoopee bloody doos, A&L and Lloyds can managed 5% and 4% respectively for the same thing, and A&L only require £500 per month. So this is why they need that stupid advertising campaign on…
EUR to GBP conversion
Hi folks, Not sure if this is the best board to post this in. I have several thousand euros in a Spanish bank account and wish to transfer the money to the UK in the most cost efficient manner. Any suggestions? The options I am aware of are: - Use a currency broker - Take the money out in a UK bank (incurs charges) -…
online debit accounts
Is there any companies that are offering a basic account but with a debit card. Due to my location i dont have much choice of the local banks and i dont like any of them either. So it will mean i can open a account and send them proof of name and address via post. thank you in advance
Depositing cash
How long should it take to be credited to your account after depositing cash?? Does it depend on the bank concerned?
Using normal current accounts instead of business accounts?
My wife and I run a small business and we are reaching the end of our 'free business banking' with LloydsTSB. I have heard before that you can legally use a normal current account to hold your business money, therefore not having to pay 0.50p per cheque written etc. I was therefore wondering if anyone has done this, and…
A & L charges problem
just a nice simple one... my wife was going to go over her overdraft limit yesterday so I paid £50 cash into her account at the Post Office yesterday afternoon. Last time I did this her account got credited with the cash the same day, this time it's now, in their words, "missing"... So they've bounced a cheque for £18,…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Budgeting & bank accounts

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