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Morgage Company statement charges...legal/unfair?
I'm sorry if this is in the wrong place, but I have searched the threads and can't find another topic which matches so here goes...forgive me if I'm wrong please! We have a couple of rental properties which are mortaged with Mortgage Express. I am ruthless when it comes to property admin and filing but am unable to recall…
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Bank Accounts and Age Discrimination Legislation
If you want to open a Premier account with Alliance & Leicester, you have to be 21, say the rules. Is it legally okay for A&L to discriminate against a would-be customer who is under the age of 21, but can satisfy all the other terms and conditions (ie, depositing £500 a month for example)? How do the new Age…
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Ridiculous First Direct Foreign Payments/Receipts Charges
Hi all, I´m so enraged by this that I´ve decided to post it here to see what other people think and to question if it´s really fair or not. I have bank accounts in both Sweden and the UK. My bank in Sweden charges approximately £2 to undertake a bank transfer to my bank in the UK and normally it reaches the accounts within…
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Challenge for 2007: Get a better credit rating
Hi All My oh needs help! We are looking to obtain a mortgage in about a years time, can a persons credit score go from bad to good in 12 months? And if it can be done, how? My credit rating is good (over 800 out of 1000) but his credit rating is not so good. He has never had a loan, credit card, been declared bankrupt or…
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How long for a cheque to clear?
I wrote a cheque to another party and they paid the cheque into the bank on Monday. :rolleyes: I note the cheque is being processed through my account today. ;) When will their account be credited? :confused:
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Bank Charges On Natwest Current Account
Hi, Just wondered if i have anything to stand on with this...: There was a transaction on my current account that was still pending on the 11th december, it was still highlighted on my online banking. The transaction was a paypal payment for 100.00GBP, and there was 99.23GBP in the account. So on the 11th december i went…
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Free to use Cash Machines
I've just read that apparently up to 600 free-to-use cash machines are to be installed in low income areas, that's nice of them - they should all be free! They say it as if they're being benevolent! Since we can claim back bank charges these days, is this a possible open door?
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Please help?
Hi, I have just recently turned 18, and i got a call from Lloyds TSB urging me to make an appointment as i need to change my account from an 'Under 19's account' to a Regular 'adult' account. Surely i don't actually to switch until around my 19th Birthday? Or does anybody know any different? Is it just a way to fob me off…
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Alliance & leicester accounts
Can someone help me? If you withdraw off your card at the counter do you get a receipt for your transaction? The account is a direct premier current account. The account is my mother's so i don't know myself. My mother believes that there have been 2 unauthorised withdrawals which has triggered overdraft charges when there…
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Getting their own back.
It won't worry me as I never need to get cash advances or pay less than the whole amount after the free period, but I was interested to receive a revised terms notice from my VISA card supplier. These are the changes Cash Advances APR up from 16.9% to 21.9% Handling Fee up from 1.5% to 2% min £2 Balance Transfers…
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Smile account problems - Anyone had anything similar?
Hi all - bit long winded sorry!!!: I've recently opened a Smile current account and been very happy with service etc etc but today I've had a problem and was wondering if anyone has had anything similar? When I received my card I activated it and changed the PIN. I know the pin is correct because I can access a cash…
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Clydesdale Bank - refuse to perform BACS?
Went into my local Clydesdale Bank branch today to transfer £3,000 to my Nationwide Flexaccount from my Clydesdale Bank current account, only to be told that the only way I could get the money there is by CHAPS or bankers draft, costing £24 and £15 respectively! :eek: I thought all banks could transfer money to other…
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How long do you have to cancel a cheque?
Hi not sure where to post this but I read on here that you have up to a year to cancel cheques is this true?? As I was an agent for farepak and paid mostly by cheque. Please can someone help?
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Furious with HSBC
In October 2006 I discover my HSBC credit card direct debit payment has been cancel from my current account. Then I go straight to phone their customer service and to reset the direct debit. However after numerous phone call go to their branch and even complain to the head office they still cant find out the reason and…
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Been Declined, help!
Hi I have just applied for a joint Flexaccount with Nationwide and have been declined! We both have individual Flexaccounts but wanted to get a joint one. I applied online through my online banking but at the end it said ' Sorry we are unable to offer you a Flexaccount at this time' Even though we already have them! What…
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How long should I keep bank statements?
Since I've had sole responsibility for household finances I've stored, filed, alphabetised like there's no tomorrow and I've got a two drawer filing cabinet with paperwork that I'd like to reduce. How long should I keep bank statements for? I've got my own going back 8yrs and joint account statements from when I had an OH.…
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Recommend me a new account please
Hi I recently moved to First Direct from Alliance & Leicester, however since they brought in their new charges have decided to move again. I moved from Alliance & Leicester because I didn't like their customer service. I am looking for an account with a) a decent interest rate - i don't have an overdraft b) good internet…
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BBC Website on Charges
On the BBC Business website today, it shows how to claim back your bank charges. It even lets you print out the letter to send to banks to get the charges back. I do agree that banks are charging too much, but I think it's all going to go tits up, espicially with the BBC getting involved. I reckon free banking will end…
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Halifax Joins First Direct In Charging Customers For Banking
Halifax is also going to follow suit with First Direct and charge £10 per month to use their bank. http://business.timesonline.co.uk/article/0,,9554-2495917,00.html
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block on nationwide account
I recently opened a natiowide flex account, and have had 2 lots of wages paid into it, I went to use my debit card via internet shopping today and was told the card wasn't authorised. So I rang the call centre after 12 mins of hanging on finally got to speak to a girl in Northampton explained the problem, she said there…
