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Budgeting & bank accounts

Archives for February 2007

Halifax took all my savings!! £600's worth of money!
Hi all, Last week i went into halifax to draw some money from my savings account which i hadn't used since 2001. Been having some family problems. Account was a Young Savers with my mum (who i no longer see) as a trustee. I am now 17 as of last November. When the book was updated head office had taken all the money out!!…
Scammed by bank's "Overdraft Protection Policy"?
I've opened a letter today (OK, I have a newborn and it's been sitting in my in-box for 6 or 7 weeks!!) and it's from my bank saying that they have "accepted my application for personal overdraft protection". The only time I've contacted them this year was to cancel the "additions" (Ok, so we know what bank I'm talking…
Electron Accepted
I have a really bad credit rating! Ok, now that's out of the way, I shall come to the point of my post. I have recently applied for a COOPERATIVE bank CASHMINDER account for which I was accepted. I received my Visa Electron card exactly 2 weeks after applying, not a bad turnaround I think. I would like to create a post…
Halifax, 16 and 17 year olds - how long does the card take?
Howdy, my son 16 and daughter 17 have had websavers for 4 or 5 years. Daughter is now driving so thought it would be best for her to have an debit card (albeit electron - it would not need any ID processes to open another bank with the Halifax). Son couldn't pay in a cheque at the counter into a websaver so later thought…
how do you cash in a USA dollar cheque?
hi my wife cashed in her shares in sunmicro systems we are due a cheque for $9000 USA dollars we have been to the royal bank of scotland and HBos both couldnt give me a commicion price for cashing it in (not too worried with the conversion rate) both started to warble on a lot of rubbish, anything from £7 to £77 with them…
Bank Account HELP for bad credit
I am a new poster and need some help and advice. I have an IVA setup for some time now, my bank accounts at Yorkshire Bank were left untouched as I dont owe them money etc so they are fine. I am thinking of reclaiming bank charges back but firstly I wanted to set a new bank account up but due to having the IVA I am being…
i am worried about doing this now
we have been wanting to change banks for ages but all other banks keep turning us down, no one else will give us an account and we have no idea why, now i have just been told my account may be closed, so what will i do then, how will we bank?? all our bills and things go from there, can anyone recommend a bank, preferably…
how to reply to bank charges funny
This is allegedly an actual letter sent to a bank in the United States. The bank thought it amusing enough to publish in the New York Times. Dear Sir: I am writing to thank you for bouncing the check with which I endeavored to pay my plumber last month. By my calculations, some three nanoseconds must have elapsed between…
Closing current account
Good morning! I want to close my barclays graduate account, can i cancel over the phone or do i have to go in to a branch? Thanks, Laura
Halifax Accounts - help me decide!
I currently have the standard halifax current account with a £500 over draft on it (which gets used) I've just been alerted to the moneyback account which, as I use my debit card laods, would suit me but the ultimate reward account also looks interesting, there are a few things there that I would have (RAC, travel…
Sign Petition for Bank Charges to be re-paid.
'We the undersigned petition the Prime Minister to Remove bank charges, and restore the meaning of liqudated losses.' http://petitions.pm.gov.uk/refundcharges/ :beer: :beer: :beer: :beer: :beer: :beer: :beer: :beer: :beer: :beer: :beer: 'We the undersigned petition the Prime Minister to Force the banks to repay unlawful…
Best 'No Strings' current account
Any suggestions? I need: Internet Access Debit Card & chequebook 500.00 or less (zero is fine!) minimum monthly payments Decent interest rate that isn't just introductory or disappearing after 12 months etc. Thanks
Am I entitled to reclaim bank charges
Can anyone tell me If i would be entitled to claim any charges back or do mine not count. I have been overdrawn now for neary ten years with lloyds tsb. I have a select account so I pay £10 per month for having the account then i pay the monthly overdraft charges roughly £30 a month. I have possibly gone over my overdraft…
Oh damn-what are Halifax like with charges?
Been in hospital recently and was £3 short of a direct debit payment-no overdraft on the account-just had a letter to say they are charging me £39!!!! for not having enough in there.If I go and explain to them in the morning that I was in hospital and pay the extra in to cover the direct debit, will they be nice and refund…
Has anyone else had a market research call from Lloyds? Bit worried now...
I just had a call from some market research company on behalf of Lloyds tsb. They knew my full name, and when I made my last transaction. They asked me some questions about the cashier, how I rate lloyds, etc. Was this a legit call? I've never had anything like this before, but when I came off the phone, my mum said I was…
Transfer money to Spain
Wish to transfer money from the UK to a Spanish bank account to make amonthly direct debit for a broadband service Not sure how to do it But think best option may be to set up a current account in both UK and Spain that is free for transfers like Citi bank I believe Put money in Uk account then transfer it to the Spanish…
Alternative bank account
Standard advice seems to be to open another account first in case your bank tries to close your's. My son has looked at A&L and Smile but both seem to require £1,000 paid in each month and his salary cheque is below this. Where should he try?
Lloyds Classic Account
Please does anyone know of any introductory offers currently available for new Lloyds TSB customers opening a basic classic account? Is it possible to be referred by a friend or earn through a cashback site? I'd appreciate any help. Thanks, Muff
lost money online
not sure if i am in the right place but here it goes, my oh has an additions account and paid £60 into it via her online bank account, usually this is and has not been a problem, however since they have changed the way they operate and given us new account numbers, they say they have not recieved this payment. i have sent…
Cheque - a question...
Hiya Have received a cheque which has been payable to me but says an account number after it eg: Pay - crawley_girl into acc 12345678 Cheque received from reclaiming bank charges. Only that account is now closed and has been for about 3 years now. Question is, can I pay it into any account in my name cos it is made out to…

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Budgeting & bank accounts

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