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Taking Bank of Scotland To Onbudsman Over Overdraft
I am taking the Bank of Scotland to the onbudsman over the overdraft agreement that was on my bill payment account. The pulled the OD due to the conduct of the account, which I openly admit was my doing, and they are perfectley entitled to do so. However when I contacted them to arrange a repayment plan to clear my…
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More incompetence from Abbey
I now find that Abbey cannot do simple things like clear cheques and make BACS payments. On Sunday I made a payment of £100 into my new Bank of Scotland account. It should have arrived by Wednesday, it still isn't there. Of course this might be a problem with the Bank of Scotland, and I'll have to phone them to confirm,…
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Direct Debit Advice
I recently decided to pay off my cahoot loan in one lump sum using the interface on the internet banking section on the cahoot website. The payment came out successfully on the 04/06 and I presumed all was fine. I checked my bank account today and cahoot have tried to take the money out again and this time they have sent…
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RBS Charge help
I recently set up a busines account with RBS and they charged me £110 for setting up a overdraft of £5000. they didn't tell me about this charge at the time I set up. I have been in and complained as not only have they taken money out of my account without telling me but they have taken 3 months to get my debit card…
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Co-op bank account online?
I'm trying to find an online application for the co-op basic account, but all that comes up, is Smile!! Is the Co-op online, or are they part of Smile?
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Data protection breach
Hi all, Would like a little advice please, I went to my local Natwest branch the other day and took out some money over the counter, I didn’t have a card and the teller asked me to write down my account number on a piece of paper then she asked me if I wanted a new card sent out and I said ok. I left the branch with my…
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Can anyone help work out rough interest charge?
Ok so I have a huge overdraft now (the bank have merged my credit card into my overdraft to reduce interest). They said that interest would be at 6.5% on the overdraft. How much interest will that be a month on £7800 ? Have tried to work it out by it doesn't come anywhere near their charged amount? Anyone help me please?…
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Halifax bank charge.
Hi, Need some help please.Have a Halifax cardcash account.Had a charge of £39 applied to my account last week due to insufficient funds being in my account for a direct debit.My own fault I know as it was for pet insurance that I've just taken out.The first payment was 7th of May and the letter said my next payments would…
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What does a CHAPS fee actually cover?
Apart from being able to transfer money on the same day what exactly does the process involve? Is it just an electronic exercise? If so, is £20 upwards a reasonable amount to pay for trying to access your own money quicker? Just wondered if fees like this might be 'challengable' as being overpriced for what is involved?…
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NPower say I've paid but I havent!
My Direct Debits go on 27th of each month- even if its a Sunday or BH they show as gone on that day However I noticed last week that NPower hadnt taken theirs and it was 31st May which was odd. On Monday I got concerned cos I was getting a bits skint- had a few things to pay out out for and half term last week:rolleyes: as…
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Building up credit history - should I take up overdrafts?
Hi guys, I am an international student studying here in the UK. I am currently planning to settle here in the long term, so building up my credit history is one of the things that I pay attention to. :) As an international student, I am not eligible to open student accounts with interest-free overdrafts. Basically, today I…
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Need advice
I Bank with IF online, they don't accept any monies being paid in at the Halifax branch which they are apart of, so I sent in a bankers draft by special delivery so it would hit my account immediately, they have credited the bankers draft today but they have credited the account with "cheque" and not bankers draft, I…
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A & L Premier Direct- couple of questions
i have just opened a premier direct account for my partner, and we are about to start funding it. it came with a £500 overdraft, and i was wondering whether it would be ok to meet the minimum £500 monthly credit by utilising the overdraft. i.e. i would withdraw £250 from the atm, then put it straight back into the account…
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online account for purpose of paying bills in shared accommodation - advice please!
this is my first post so hi everyone! i'm looking for some advice regarding online current accounts please (i think). the reason being that i'm moving into a house with some friends and our plan is to pay all the bills from a single online account, with the funds coming from each of our personal accounts once a month by…
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Opening a natwest step or RBS Key acc
Hi there, if anyone here either works for RBS or natwest or has any experiance in this please help i have a low credit rating at the moment 4 old "fully satisfied" defaults from over 3 years ago no bankruprancys, IVAs or ccjs no CIFAS or gains and all my current credit commitments are run well if the 4 defaults albiet paid…
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Equifax Vs Experian
Equifax Vs Experian Hi there all, i have just had my equifax and experian credit files through now the payment history on my experian files of my credit payments goes back a rolling 3 years but my equifax credit payments for the same products appear to go back longer can anyone tell me if equifax go back to when the…
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Bank account for 15 year old son
My son,. is 15 an has a Nationwide Smart account with a Smart card and a separate passbook account He also has a Halifax Save 4 It. He wants a debit card and a few of his friends have Nat West debit cards. Do you think he can do better than NW?
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Joint accounts
Myself and my partner have recently been discussing moving in together and assumed the best way to the paythe rent/bills etc would be to each pay money into a joint accounts and for those costs to come from the the shared account. Has anyone any personal experience of this working well? I can't see us having a problem, I…
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Post Office Card Account
My wife has one of these. How do we advise them of a change of address?
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Transfer funds with no account number??
Hi, just wondering in anybody can help me with a query?? I need to transfer an amount of money from my current account, to a Step account that I opened last year but have not used yet, apart from to deposit an initial £5. I have online banking with Barclays and when I have just tried to tranfer the money I am asked for the…
