Budgeting & bank accounts

Archives for December 2005

Who to change too?
I have a few accounts with first direct, my main two are normal current accounts. On pay day dh wages go into account one with a large amount being moved over to account 2 to cover all our dd for the month. Now every couple of months I mess up and end up going over the O/D by a couple of £s, this is their cue to put aprox…
basic bank accounts with solo or electron
does anyone have any recommendations for a basic bank account (poor credit history) with a solo or electron card? I can only find 2: Nat West Step - Solo card and Co- operative - electron card I had a co-op account last year but they close your account with 28 days notice if you have 3 strikes against your account for…
Recommend a bank account
Hi, I am just about to start suing First Direct over the issue of punitive charges and now need another bank account (preferably a bog standard account - no O/D etc...) I cannot use: Abbey HFC Barclays Smile or First Direct due to the successfull legal action I have taken against them in the past (and future in the case of…
Current Accounts for not-so-good credit score
Hi, Can anyone help?? I have had a bank account with Halifax for years but I have only got a cardcash account. I have Direct Debit facility, cheque book (although no cheque guarantee card) and a visa electron debit card. I want to upgrade to a current account but the last time I applied it was declined. I have a few missed…
Bank account for Visually Impaired?
My dad is visually impaired and has a standard current account with LTSB. Does anyone know if any banks have internet banking which is compatible with his speech software JAWS?
Best Fees for cashing Dollar cheques
Hi, Please could anyone advise me which UK bank has the lowest fees for cashing cheques in US Dollars? I have a current account with Abbey, who charge £10 per foreign cheque, I'm hoping there is a bank which is cheaper than this! Thanks for your help.
Transactions on 25th December?
I have interest for overdraft and late payment fees showing as the 25th of December. I thought nothing went through on this day?
Bank Account Advice
Hi all After some advice on how to take max. advantage of my savings/current accounts. Currently I have a Barclays premier account which I started when I was an IT contractor earning ££££. I pay £10 a month for this service but the service has always been excellent. Now I have changed jobs, I no longer get paid the £££ I…
current account without earnings paid into it?
please can someone help - I am retired early due to poor health and receive benefits via a post office account. I have no current account but would like to open one that does not require me to pay in monthly earnings [I would use post office account to get my cash each week then put money into the current account] I think…
Good Deal.. but I HATE that Bank!!!
Okay.. I've got a Alliance and Leicester current account which I don't really use, I've been stung a few time with it's silly Overdraft fees etc and I really dislike there customer service at the local branch, plus it's always really under staffed. I've 2 student accounts: Main one with Barclays - O/D Limit of £1,300 (very…
Applied For Premier-Offered Current Account!! Advice Needed Please!!
Morning I applied for a joint account with OH a few days ago with Alliance & Leicester for a Premier Account, but have received a letter this morning stating that we havent been offered this account, but have been offered a Current account with cheque book and Visa Electron Cards :confused: We dont have a joint account…
Bank Account Closure
Hiya, I'm in the most enormous pickle, to put it mildly. I moved to the US having left behind some heinous credit card debts. I was able to keep my UK address and had my mail forwarded, for the first year I sent money back every month to my current account to keep my direct debits paid up. Some time in March one of my wire…
bank charges
hello to all just wanted to know if there was a max a bank can charge you in a space of time many thanks
NatWest Step ?
Does anyone have any good or bad things to say about this account ? I'm looking to open another current account purely to link up with my 2nd Betfair account, so I need a debit card but nothing else (no overdraft or anything as the account will be purely funded by cash). I want to get away from using a credit card to…
Bad credit 2nd bank accounts, is it possible?
I have an account with Lloyds which to be honest, I haven't run very well and am behind with payments to od and loan. I am looking for a little breathing space to be honest. Is there a way of opening a bank account which accepts BACS payments from employers? My credit rating is bad although I have been in the same job for…
Best online banking software?
It seems to me that banks make money from us when we're not as efficient as we could/should be with our accounts (I speak from years of experience at being terrible with banks). If we had really good software when we visit our online banks, we could surely make real savings. In my fantasy bank account, for example, it…
HSBC overdraft charges
I've got an HSBC current account and never go over my overdraft limit... A month ago I stupidly went over my limit - only for 6 days, but they have charged me £125! I just called them and they said it's a £25 for everytime I use my card or a direct debit goes out, with £125 maximum. Is there any way I can get that money…
£50 + £15 voucher for opening a First Direct a/c
Perhaps this has been around for a while but I've only just noticed. Using a link from the CD-WOW web site takes you here (no, it's not a referral from me, I don't gain anything) which gives you £50 cash and a £15 CD-WOW voucher for opening a First Direct bank account. While that's their best offer yet there are catches to…
Natwest Overdraft
Hi all, A year ago i was over £30,000 in (unsecured) debt but through sheer determination i've managed to reduce this to only £6,000 but hope to have this cleared by the middle of 2006. This is my only remaining debt. However I also have another 'debt' - a £3500 overdraft with my bank. This is costing me £40 a month in…
Charity Bank Account
I've just been appointed as treasurer to a registered charity. I'm not very happy with our present banking arrangements. 1) Does anyone have any recommendations for a good current account available to a registered charity? 2) I need to pay cash into the account on a weekly basis. Is there an account which:- a) Pays a good…

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Budgeting & bank accounts

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