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Budgeting & bank accounts

Archives for October 2006

LTSB Internet Banking advertising.
I've only been with LTSB for about 6 weeks but tonight I logged in to the Internet banking to check my standing orders to my monthly saver, and its bombarding me with adverts for TSB products. :mad: Loans, car insurance, credit cards, every page I go on is dominated by adverts for LTSB products, its mingled in with…
Need a Current account but can't help!!!!
Right so here we go... I need a current account (which i already have with HSBC) but the problem is that I only have a maestro card and I need a visa debit card. I applied to transfer over to First Direct (a parent company of HSBC) and they have declined my application because the credit scoring was too low. I also applied…
recommended back account
I'm finally going to bite the bullet and change my bank account. I'm currently with HSBC but i'm getting very disappointed and !!!!ed off with them. I was thinking of Natwest or Nationwide current accounts, just wondered if you lot could recommended a good one? i've heard to avoid the big ones like; HSBC, Lloyds, Barclays
Coventry First
Does that mean no interest is paid on the amount that is withdrawn on the day it is withdrawn OR no interest is paid on the whole balance of the account on a day you make a withdrawal?
Sweeping Excess Money
Hi, I have all my accounts with either LLoyds or Abbey. Does anyone know if there is such a facility where excess money over a given limit in an account on a given date, can be automatically moved to an alternative account. eg. If an account has a £1100 on the first day of the month, the facility could say transfer the…
A & L or Halifax? which is easier to open??
Hi all, Just wondered how many of you have switched your accounts to either of these?? Are there any problems opening the accounts?? Anybody been declined?? I am thinking of switching us from Lloyds but need good internet banking and want it all to run smoothly. Just wanted some feedback on anyone who has transferred to…
Any problems opening new Halifax High Interest Accoun t?
Hi all, Just thinking about changing bank accounts and we are
Long standing bank relationships and credit scoring
I have been with Barclays for over 10 years now but I am currently in the process of switching my current account to a Halifax Student Account (back to uni after a break!!). I don't have a problem with switching current accounts because the process seems very easy to do. The dilema I am having is if to keep my Barclays…
B of Scotland Deliberately Profiting from their own Mistakes?
My partner and I remortgaged with the Bank of Scotland. Six weeks prior to the start date we signed a mandate to have monthly payments for this made from our joint account. The bank failed to action this and took the monies from my partner’s personal account. To cut a long story short after repeated requests, complaints…
Advice wanted please!
This is my first post on here and I'm after a bit of advice. I currently have 3 loans (Lloyds TSB about £11k, Amberloan £1k and Barclayloan £1.5k) and owe about £500 on Capital One credit card. At the moment I am struggling to pay the instalments (haven't actually defaulted yet) but as my husband is out of work and…
Advice on Basic Bank Accounts from CCCS
Hi I thought I'd post this on here – I’ve also posted a similar one on DFW board – hope that’s ok. Anyway - after various refusals for basic bank accounts (see thread on DFW) I phoned CCCS as am supposed to starting DMP with them soon. They told me that they are getting quite a few queries about this at the moment. I was…
advice please, no minimum inv current/savings account
Ok, here we go......I have joint account with DH for current and savings. No problem, all working well. Now here's the tricky bit....I have over £3000 coming to me very soon which i do not want to link in with the aforementioned accounts at all. It is a lump sum and therefore i will not be paying a minmum amount in each…
Help sought re: New current account - bad history
Hi folks I don't know if anyone who can help me here, so any info is greatly received. I have just got myself a new job which will net me around 1.3K per month, unfortunately I have a very poor record with both banks and other bad debts, and I do not currently have an account as my last job paid cash. I am paying Lloyds…
BUSINESS Banking
HI All, I do apologise if this is not the appropriate section to post in. I run my own little company and although it has been running for a few years, profits are still pretty low. With this in mind we had opened a Business Bank Account with the Bank of Scotland. They provided free banking to us, however this morning we…
Best Joint Account ?
my girlfriend and I are in the process of buying our first house together... gulp... we have both got our own current accounts with different banks but have decided we need to set up a new current account for the mortgage payments (and bills)... guess we'll keep our own current accounts as well... are any particular…
open a coventry intro account and get £20 pound in virgin vouchers
i have opend a intro account with the coventry, sorry dont have the link and tey will send you virgin vouchers for £15, you only have to open the occunt the £20, the account is for 11 to 16 years old. sorry i put £20 in the title.
Current Account with bad credit history?
Is there a bank that will definitely offer a basic bank account for someone with a bad credit history? I'm not sure how bad but I know they have been refused bank accounts recently. One is a 19 year old student, the other 28 years old but has had credit issues since her uni days.
Bank account help - any ideas?!
Hello all - I've not posted on the boards for ages but I am in need of some advice - I thought you lot would be most suitable. ;) I'm 19 and currently have only a savings account to my name, which I have held since I was around 7. It's now another savings account which I at present use as my bank account for everything,…
Smile Bank Free Wine
Does anyone know the details on the free wine ie the cut off dates and when you can withdraw your money with out losing the wine
Best Hi Interest Current account ..after all the 12month bonus's.
Hi all, I am looking for the best hi interest rate saving account. I was initially attracted to the A+L account but noticed that it is only 6.1% for a year then it drops to 1% the bank of england rate. Coventry first also seemed good but again its rate drops after a set period and they have no banks near Reading! I think I…

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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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