Budgeting & bank accounts

Archives for September 2007

Intelligent Finance - Fraudulent BACS Transactions
Hi Looking for some help please. I have just noticed that there have been 2 fraudulent BACS transfers from my Intelligent Finance Savings account, totalling just over £1800, from last Thursday. I have contacted IF, only to be told that the Customer Services department is closed and I will have to call tomorrow. In the…
£148 in charges! Anything we can do?
Hi all, We went on holiday and and when I came back, checked our online banking with the Halifax and see we have £148 worth of charges, broken down by 4 x £30 and 1 x £28. I think what has happened is..we haven't long been moved into our new house and the council tax was supposed to be paid from a different account but for…
Bank account needed for 14 year old
Hi i wonder if any one could recommend a good account for my son? He is 14. He gets £9.00 per week from a paper round, £20 per month pocket money and then birthday and christmas money. I want to get him into good habits now. I wish there had been someone to tell me what was what when i was his age. How nice to start all…
It's not the staff's fault!!
I have been reading the rants about Abbey with great interest. I used to work for Abbey until the Banco Santander takeover and was one of the many people who were either outsourced, forced to re-apply for the jobs we had been doing for many years or made redundant. I cannot remember the exact figures but it was in the…
Money going in to B/A
Can someone answer this-if money goes into my a/c on the 1 st of each month, and money goes out on the same day, how can i guarantee that the money going in reaches the a/c BEFORE someone tries to take it out?. is it all done on the stroke of midnight? could i be charged for a "bounced" payment?:mad:
did anyone have trouble with debit cards?
Hi Yesterday both my hubby and I had difficulties with our debit cards yesterday in different shops, the shops said that all transactions on solo and maestro cards were being declined, luckily for us we had our cheque book with us to continue our purchases. Did anyone else have this problem yesterday? Also would it be…
Abbey On-line Banking
Is anyone else having problems accessing their accounts on-line? I haven't been able to log on since Wednesday. Since then the message keeps coming up "this service is temporarily unavailable, sorry for any inconvenience". I accepted the apology on Thursday and Friday but it's running a bit thin now!!:confused:
receiving funds from europe
I currently receive money (sent in euro currency) into my GBP NatWest acc. I get charged £7 for each transfer over £100. I also have use of a HSBC account and was wondering do HSBC charge this fee ? Can't find this info on their website. Thanks
any body got a clue
hi all my first first thread just wondering if any one could enlighten me? :confused: I have been trying to get my credit score raised for a few years now as credit score is bad a few ccj all paid now. I have tried all the usual steps in the past to no avail. I have recently moved not on electraroll yet thought i would…
Which Bank?
:confused: Hi, any advice my son is in the A & L absolutely crap, he has been charged £50.03 for going overdrawn £9.35 due to being unemployed. Complained about these charges and as always refer to the test case. Which bank would you recommend, he is a student and unemployed so is not getting a regular income. He is going…
When can I pay in my pay cheque?
I received my pay cheque yesterday dated 30th September. Can I pay it into my bank today or do I have to wait until Monday? BarGin
Abbey Rants Continued
Hi Guys I'm also closing my account with Abbey. They are Sh**e!!!! I've had 18 months of problems & dunno why I've waited so long to change over...I've had address updates done but not done & so financial data sent to addresses I'm no longer at. They sent my debit card eventually to...you guessed it. The Wrong address! I…
Who gets the interest on my money while its in cyber-bank-space ?
I made a transfer from my ING account on 27th Sept which was debited immediately. It is going to Lloyds and will probably hit next Tuesday ( 3 working days ). Its definately not with Lloyds today so the earliest is next Monday, but more likely Tuesday. Anyway, who earns interest on this. ING or Lloyds while its 'in…
Cheque not showing in acc
I put a cheque in at the RBS yesterday and today its not showing in the account. I know it can take 3 - 5 working days to clear but in the past whenever i put a cheque in it asppears in the account the next day (maybe not cleared but still in). The girl who served me had a problem and asked for help. I was asked to put my…
Over O/D limit although HSBC still charging account fee.
Hi there, I have a quick question(i hope it is in the correct place), i am having a couple of problems with my finances and it is a situation where it is easier to sweep the problems under the carpet but i think i am now ready o face them!! I am £342 over my authorised overdraft limit with HSBC and i pay £35 a month to…
Basic bank account
Hi, I have a basic bank account with the Bank of Scotland. I visited the CAB yesterday, as I am considering bankruptcy. My advisor told me that the majority of high street banks (including BoS) would close an account once the bankruptcy was obtained. He's trying to prove that this is unfair, but this is still ongoing. He…
Are LTSB and Black Horse the same company?
A neighbour has just ask me for advice which I cant answer so thought I would post on here. She wants to know if LTSB and Black Horse Finance are the same company? She is worried that if she misses a payment on her car finance that they will take the money from her LTSB current account or savings account. Can this be done…
Debit Card
If i lose my debit card, and order a replacement, will the new card have different numbers on the front? (The long strip?)
Direct Debit query
Hi all, Not sure if this is the right forum for this but anyway.......... I changed car insurers recently, paying by Direct Debit. On Monday they applied to the bank for the first payment. I had no notification from them as to the start date or amount, and hence had insufficient funds available. The bank didn't pay it and…
Informing banks of increased income?
Hi, (Sorry this thread involves both Current Accounts and Credit Cards) I have been quite fortunate to receive a significant increase in my annual income. I bank with Lloyds TSB and Natwest, and have credit cards with both of them. I wanted to update them on my new income, so that I will be in a better position for things…

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