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Budgeting & bank accounts

Archives for October 2007

Credit Rating with HSBC
Hi guys, My bank HSBC told me today that my credit rating with them is 92 out of 100. Does anyone know what this means? I could tell the assistant was getting ready to try and sell me one of their products which I didn't want so I left pretty quick!! Thanks for your help.
Abbey passbooks
Hi, Could other Abbey passbook owners let me know if the passbooks contain their signatures. I had a query at my local branch and it came out that passbooks should have my signature. I did not have it with me at the time so i could not show them which account i had. Mine only has my name typed in it. Also they looked at me…
Woolwich - Barclays Joke! (loanpot problem)
Hi all, just had a quick search around and couldn't find anything specifically here about this problem, but I am sure there must be others here that are affected and many unhappy ex-woolwich customers. I have had a Woolwich OpenPlan mortgage since 2000, despite the occassional problem we have had a pretty good service from…
A+L - double charge?
HiI have an Alliance and Leicester Premier Direct Account with an O/D limit of £1,700.In September, I went overdrawn by £40 against cleared funds (I'd paid a cheque in, and written another out for the same amount not realising that I would be charged - I wrongly assumed that because the uncleared funds were there, I'd be…
signature verification
Hi, A couple of years back i opened a joint account with a bank. They said to bring id to "verify" my partner's signature. They said i could do this at any time and that it was just to avoind us having to bring id everytime. We thought we would not do this until we had to withdraw money from the account which has been left…
Halifax won't honour their introductory offer
So I switched my current account to a Halifax account back when there was a £100 introductory offer (ending Aug 11 2007 - touted as best current account offer at the time on MoneySavingExpert). I applied online via their website on Aug 10. After Aug 11 all details of the offer disappeared from their site. I dutifully paid…
A & L new Premier 50 account
Has anyone had a look at this new account for the over 50s? It began on Monday 29 October. As an existing customer I have not been able to open any of their newer accounts but it says this one is open to existing customers. There is a £10 fee - is it worth it?
Abbey debit cards being declined customer-wide?
Well two of my abbey debit cards on sepearate accounts have both been declined in the last few hours when i've attempted to use them online, also in E-banking my balances show but i'm unable to move money around. Are other abbey customers experiencing anny issues today?. :mad:
sending money abroad ( in europe)
Just rented a place in malta and need to send money monthly from uk for bills, tried to transfer online ) with A&L- cant do had to do over phone ( from malta) cost £30, have set up hsbc acc in malta, need to do transfer cheapest way as £30 is horrendous:eek: hopefully someone in the know can advise us
New regulations for cheque clearing ? (Were due November this year)
Much earlier in the year various Money TV and radio programmes were talking about a change in cheque clearing regulations to come into effect this November. The 'full monty' deal has, I understand, been postponed to next year, but I am most interested in how long it takes a cheque to be 'completely honoured', i.e. with…
Moving form Lloyds TSB Suggestion ?
I am banking with Lloyds tsb ( Select Current Account) from a year now and i am paying £7 every month for nothing which they are charging for this account. I do not have any overdraft facility or any credit card offered by them so there is no point i want to stick with them any more. Please suggest me a good current…
Is this allowed
Hi, I work for an Insurance Company owned by a large bank. Whenever a new employee starts the bank insist that these people switch their current accounts to one with the bank they are now employed by, they say you dont have to pay your bills out of it you just have to have your salary paid in, you are free to xfer your…
Cheques - which are guaranteed.
If my CG Card says £100 on it, yet, the cheque i have wrote is for £500 - will it bounce, or because it's cheque guaranteed, it will clear? Ive had a cheque in the past - i've had a cheque for £160 clear ok..? Thanks..
The best foreign currency account????????
Hi, I am looking for some advice about the best rated foreign currency account (euroes). Please, If you know about any with good rate of interested, let me know. Thanks:money:
(A&L) £165s worth of charges that just don't look right to me?!
Hello, :hello: I was hoping for a more experienced opinion here tbh. What you see below is an extract from an unfortunately managed account. I except the underfunding charge and the first subseqent o/d charge even if it was due to the underfunding charge, but after that it just gets ridiculous... :mad: ?.. The double…
Can Barclays Close my Business Account?
I have had my limited company business account since 1999. I was doing fine until last year, when I became a stay at home mum. At the same time, my business was not doing so well. It's only now that I have started to trade again, but now my Business Banker wrote me a letter informing me that in 30 days time, my business…
Barclays current account - how to close
A year ago I orded Barclays to close my account as didn't want to pay their monthly charges. At that time the balance was 0. I put a written order, giving them my debit card and a chequebook. I thought it's done. I changed the address in the meantime and I wasn't checking the correspondence on the old one. Last time they…
Lloyds TSB Business
Wow.... Just off the phone to LTSB business - had a slight problem with my account which they've sorted extremely quickly. Also, they told me when I opened the account that I couldn't have a debit card so I've got a crappy Cashpoint card.... the person who phoned me said "we notice you don't have a debit card on your…
OD Problems. Under 16!
Right sorry for this but let me explain My son has his bank account with Natest, Under 16. This has been fine. He has it set up with paypal so he can pay for things through it... He bought two items through ebay, Comming to the total of around £16, He wasnt sure if the amount was in the account but i said try it and if its…
Desperate for help
Hi Martin, and guys. I'm at my the end of my tether and don't know where to go next. First I would like to appologise now for what may well turn out to be a long post. But if I'm asking for help I guess I should tell the whole story. I'm emplyed as a staff nurse with the NHS, after stoppages my take home pay is about £1550…

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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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