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Budgeting & bank accounts

Archives for June 2007

Worried...dodgy transaction on account
Official MSE Insert: Please read the Found an unknown direct debit? discussion for help. I've just looked at my account online and there is a transaction which says "Shopperdisc.Co.UK - recurring transaction" I have no idea what this is - is it a scam?
Bank reference please help !
Difficult to say. It will depend on the question asked. There are set replies and 'opinions' of the responder don't count.
Data protection issue.
Hi, I just wanted to know what people thought. My parents, my sister and i all have account with Barclays bank. On tuesday, my parents went into the branch to change one of their accounts. The person serving them loaded account details onto the screen and showed it to them. This enabled my parents to see exactly how much…
Best account for 12 & 14 yr old with cashcard
Cab anyone advise the best account to set up for my 12 and 14 year old with a acsh card to access their own money? Thanks
Help needed "lost" bank transfer
Hi I hope you can help, I asked DH and he just ranted at me- aparently "not at me" but it felt like that:mad: Months ago (will have to hunt through pages of online statements to find it) I payed a sub to a professional organisation by direct bank transfer. A couple of months back they wrotes aying I hadn't payed. I emailed…
HSBC Debit Card Question
Hi there, i have an account with hsbc, with a credit bal of £1.24 and no overdraft for a laugh i was at the cash machine, and the system allowed me take out £10, meaing im £8.76 overdrawn, is this a shadow overdraft, and will i be charged £30 odd quid for being overdrawn?
A&L Current Account - Easiest Way to Close?
My Regular Saver matures at the end of July and as soon as it gets transferred to my current account I intend to close it all down. Whats the easiest way to do this? Have had a quick look on internet banking and can't see a way of doing it there. I assume its a telephone call to A&L?
Help! LloydsTSB ripping me off??
my friend had the same problem with lloyds she had charges waiting to go on so couldnt close it she had to pay the balance and then there was another.... sorry bad news
whats the £1 charge for?
When I added my debit card to my PayPal account, PayPal paid in 2 small deposits of a few pence each for verification. They didn't debit any money from me for this.
Halifax Easycash Electron Card - New Electron Symbol?
Halifax seem to want to dole out Electron to everyone, but nowhere takes it - it's like Amex :P If I were you Id switch to someone like NatWest that'll give you a combined Maestro/Cirrus card...
Do NatWest do a refer-a-friend scheme?
My GF wants to get a Natwest current account, but I feel I should be milking this seeing as Im already with them :rolleyes:
Abbey have taken £800+ out of my account for a holiday 1.5 years ago
First Choice accounts department called today & said they know nothing about it & as far as they are concerned it must be some sort of fraud. Strange that it was for the exact amount the final payment was for & the final payment was already mucked up once by FC. So I don't really think it is likely to have been fraud, I…
Monthly Payments or Annual Payments?
I am debating whether to re-arrange my monthly payments e.g. TV licence and pay for these in full. Any thoughts?
Money Ripped out of cash machine
Basically was at a abbey national cash machine, i withdrew my whole amount as i need it for my mortgage which comes out on monday so i need it in my barclays bank for today, at my shock one of the twenty pound notes was ripped in half with the other half missing. I went ito the bank and they told me to prove it, i said…
HSBC cheque refused due to signature
I'd never heard of this either. My solicitor advised me to do it, supposedly to help with signature validation. In the end, I managed to find a branch that was still open at 5 PM and made the CHAPS transfer. It cost me £20 and the branch manager refused to waive the fee, even after I explained the situation to him. I never…
Alliance mistakenly credited my account
Alliance mistakenly credit my account on the 10th May. I did not realise. Yesterday, I recieved a letter saying that they mistakenly credited my account and will be debiting my account within 15days of date of letter. Where do I stand on this? I do not have the money to repay all of what they credited by this date? If they…
Retail Fraud On Debit Card Reported 5 Mins Ago
What kind of rubbish fraudster uses stolen details to do a £1.89 download?! Surely thats not even worth the gamble (or maybe is, considering that the police aren't involved in card fraud anymore...) I don't mean to offend by the way or make light of your situation at all. I'm just gobsmacked that someone would steal…
Advice on Catalogue Accounts?
Hi Jam555s, This is my first post (of many I hope) you moved me to register. I had a bit of a bad spell of spending on loans and credit cards when I was a young foolish lad and got the bad credit rating that went with it. Now six years later I got two accounts from two separate catalogue companies (LX Direct and Freemans)…
Just about to send my bank charge claim in & have a question
Hello. Recieved my statements from Barclays last week after waiting almost seven weeks (So hang on in there if your still waiting & they returned my £10 cheque stating that they do not charge for this info) and have calculated the charges which total £1070!!! Am just about to send my letter in but still need to set up a…
BACS wages,new account question
The process that is uses for account switching looks only at the outgoing mandates on the account. The bank can also contact your employer to facilitate switching the salary payment. However, you say you are a sub-contractor. Does this mean you raise invoices to get payment; i.e. you dont gat a "salary"? If so then you…

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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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