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Budgeting & bank accounts

Archives for October 2006

Bank Cheques Clearance Time
We are constantly hearing of how long it takes banks to clear cheques these days. However, I have to take my hat off to Smile. I paid in two cheques at my local Co-op Bank on Thursday afternoon (26 Oct) and they show as cleared on my account this morning (28 Oct) and it's a Saturday!! Can't ask for better than that can you?
Halifax trouble - let me vent my frustration
I'm not sure that anyone can actually help, but I'll post this anyway (it might make me feel better) We've banked with Halifax for about 7 years, at the start of October we had an issue with them that resulted in us receiving charges, after lots of letters faxes and emails I finally managed to get through to a senior…
Any ideas for a cheap overdraft?
Hi guys! My first post, so hope this works... I'm going travelling for 6mths next year :beer: , and am trying to be clever! I've opened a Nationwide account for their 0% loading overseas, but I'd like to have the option of some money 'in reserve' in case my savings dry up (if we decide to stay longer or have an accident…
Clearing Overdraft
Hi, being new to this forum, I'm not sure I'm on the right board, but I'll carry on anyway! I am overdrawn on my current account by approx £1800 and I am trying to find the cheapest way to clear it ie getting a loan or paying it by credit card. Can anyone suggest the best thing to do? I am also changing current accounts so…
Gradute Account Ended
PLEASE HELP!!!! I have an account with Barclays Bank which up until this month was a gradute account, I actually haven't been using the account as I have an over draft that I have been trying to pay off a small amount each month. Now the account is changing to a current account I am going to be charged over £20 a month in…
Can I have more than one current account??
I have a graduate account with HSBC but I'd like to open a joint account with my OH to bay bills rent etc and also I'd like somewhere to put my very little freelance money but don't want a business account yet because I'm not earning enough to justify it. Can I just open another current account in my name.
Free £25 for existing A&L Premier account holders! (NEW)
Hi all I have just spoken to A&L for some info on my account and apparently because i own a premier account i'm entitled to a free meeting with one of there advisors about investments and my account. For an incentive to go they will pay me £25..they mentioned this will take about 60 to 90minutes for the meeting and the…
Wages Tax???
Hi, I have a yearly salary of £23'000, can anyone give me a break down of what i should be gettin paid monthly before and after tax? Thanks
LLOYDS how long to clear cheques?
£130 in on 23rd october and showing on the account on that day Today 27 oct it is still not available. I make that 5 working days. The same thing happened with the last cheque. I think that lloyds are sneaking in an extra day for clearing. I don`t think I am a valued customer anyway because I never go overdrawn and don`t…
useless A & L interest rate
Alliance and Leicester appears in many tables (and has appeared on this site also) as the top current account because of their high - no strings - interest rate on their Premier Direct account. However, if you are an existing customer with this account, you get 3.75% on this self same account rather than the 6.10%…
Which bank has lowest charges?
I don't really care about the interest rates of any bank, I just want one that doesn't charge me £38 a time for going overdrawn and stuff. Is there a low charger?
smile.co.uk - any sign up bonuses?
hi all, thinking of opening a smile current account. can i help anyone out with a referal or any other offers? cheers :beer:
problems opening HSBC account(s)
Hi Can anyone provide any advice on opening a 'normal' current student account...I am trying to help my girlfriend who is an EU citizen, been in the UK since 2002 and currently has a basic NatWest Step account. Upon starting uni, she has tried to open a HSBC Student account only for her to be refused. She was given several…
Urgent Help Needed!
Hi there. I was supposed to give someone money through my bank account but I've (very stupidly) transferreed the money to the wrong account. i.e, of a complete stranger. Please could you give me any advice on what I could do in order to get my money back. Thanks in Advance.
halifax current account...
just signed my application form to upgrade my currentr account to the hi interest one...... before i post it, DOES ANYONE KNOW OF ANY ISSUES I SHOULD know about.....except the £2,500 ceiling which iam aware of? cheers.
Just need a basic account
I just want a very basic account where I would have my matched betting money. I'd like an internet based one and wondered about the Citibank...as I get £5o from quidco. Anything I should know please?
Bank Draft Help Buying A Car. Contd....
Hi, There was a technical error on the first thread I started to I will continue here. Thanks everyone for all ur advice. I take it the best thing I can do is when the funds are made available to leave it a few more days? Any more suggestions? Surely if it is fraudulent it should not clear?
Best Bank Account for a Sole Trader??
I know this is a website for individuals rather than businesses, but I'm wondering if anyone has any recommendations on what is the best business account for a sole trader? My other half is just going self employed and the bank charges seem to be really high for business accounts. I'd really appreciate any tips you can…
Natwest current account?
hi, just a quick question really I've just applied for a natwest current account online(the one with mobile insurance for £6 a month and some other stuff) basically it says- We are delighted to inform you that your application has been agreed in principle so does that mean i have got it? never had anything say that before…
Can a EU resident open an account in a UK bank?
Can my mother who lives in France open a bank account here? Cahoot say yes but as she is not a resident of the UK they would need her tax ID number which she doesn't have with her (she has one but not to hand). Would it be illegal if we gave our address as her address? After all, I have a bank account which still has my…

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MSE News

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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
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