-
Questions after online application of Halifax Student A/c
I have just started university and applied for the Halifax Student Bank Account. I am now 22, have been working for a while after my A-levels and currently has a current account (non-student) and an adult credit card with another bank. I applied online for Halifax seeing that it is highly recommended. After applying…
-
HSBC Overdraft 'arrangement' fees
I've had an overdraft with HSBC for several years. It was kept at a fixed rate until further notice. A couple of days ago, I noticed a £25 Overdraft arrangement fee had been applied to my account. After contacting HSBC it transpired that they had decided to end the 'until further notice' clause to my overdraft, and make it…
-
natwest servicecard 250
my debit card with natwest is due to expire, they wrote to me today saying they will upgrade my card to a servicecard 250 from servicecard 100. are there any benfits to this ? other than the £250 cheque guarantee which i will never use? what colour is this card?
-
Electron Demise!
Hi everyone! I'm new to this forum and am finding it really informative ... I have found out today that there are now two uk banks that have abolished electron cards and now issue 2-in-1 visa debit cards instead. Anyone with a LLoydsTSB or Alliance & Leicester electron card will automatically have it replaced with a 2-in-1…
-
Late Standing Order Caused Overdraft
Hi, I did a search for this but nothing came up. My boyfriend banks with Natwest and has a standing order set up for the 26th of each month. This money goes into our joint account which is with the Co-op. Our rent is taken from the Co-op on the 1st of each month. The 26th September standing order didn't go through until…
-
NatWest Duplicate Transaction - Again!
On Saturday I bought some things from Boots online. Just checked balance and there are two £41 debits. Now I hardly have any money in my account. Last time was a few months ago, and I had 3 duplicate transactions after I had used my solo card in shops. it took 4 days to credit me back :mad:
-
Bank or Building society query
Are there any banks or building societys that look more favourable on people with bad credit rating? any of them that would open an account for you to see how well you get on first by first applying online and getting an answer. anyone been in the same position and managed to open an account knowing they had a bad rating…
-
Lloyds TSB took my mortgage payment a day early, is this right?
My mortgage payment is due tomorrow, 5th November 2007. I had a day out christmas shopping today then went for a meal to a really nice restaurant. I went to pay with my card at the end of the meal only to have my card declined. I rushed home and checked my internet banking balance this afternoon (about 3pm)only to find…
-
reccomend a new bank account for us?
We do occasionally go overdrawn. We need two accounts (find its easier to have one for all the DD and 'drip feed' it money every week, and one with 'whats left') We also want an online saver, have about £2000 savings but need instant access to it. Husband works full time, I am a stay at home carer, so receive relevant…
-
Offered 200 Pounds From Halifax - Should I accept?
Hi All, I ve been offered 200 pounds from Halifax for an error which they did which meant that my account was closed and payments made into the account and out of the account were withheld. I think this is not too bad a deal but was wondering whether to try and push them for more? If so how much ? 250 pounds or three…
-
Paying in a Cheque without a UK Bank Account
Hey Guys I moved to the US about a Year ago and as such closed down all my accounts, Card's etc, now my mum called me today and told me she received a cheque from the inland revenue ( Im sorry i'll always call them that !! ) for a tax refund, made out to me, but I have no way of depositing it as I have no UK accounts…
-
Failing Banks
I feel quite scared at the moment because after the failure of Northern Rock ,now I see that Citigroup are having problems, as mine is an online account I am petrified that I will not have access to my account. Don,t get me wrong - I don't have loads of money - I live from month to month and could not manage without access…
-
Opening an account with baggage
Hi everyone I was bankrupt 6 years ago and discharged 3 years ago. My credit ratings are now excellent but when trying to get put onto my wifes account at LloydsTSB has caused all sorts of problems, probably as they have still got details of the banckruptcy on their internal system. My question is this, if I apply to a…
-
WARNING: Scam regarding scam protection
I thought I saw it all but there is a company out there calling up customers claiming to be from their bank and saying that if they pay a fee of £150 they will protect the account and any credit cards against fraud of any kinds. We have been getting people in asking why money is disappearing from their accounts. There are…
-
Alliance and Leicester the most inept bank?
We started to open an A & L account (daughter's recommendation) in March of this year, but everything that possibly could go wrong with this went wrong and we never actually activated the account. We informed them immediately that this a/c should be cancelled and thought that would be the end of the matter. Since then they…
-
Alliance Leicester Application
Hi, A friend of mine is currently re-aligning their finances and we have worked out the AA Premier Direct Current account should really help at the moment (as per Martin's 'best account if you are overdrawn article'). The circumstances are as follows: She is a polish national who has been UK resident for 3 and 3 months.…
-
HSBC Card declined at cashpoint
Friday Afternoon I went to make a cash withdrawal and my transaction was declined saying please speak to branch. Knowing I had just been paid the day before I went to use another cash machine at a petrol station that charges ..... and I got out the cash I wanted. Iam concerned because I have an overdraft and the bank have…
-
unauthorised transaction from my current account
I hope someone with banking experience can answer this. I had a subscription with bannatynes gym in Falkirk. I cancelled the contract mainly because I didn't think it was worth the money as I couldn't get on half the machines when I wanted. I complained but it fell on deaf ears. I cancelled my direct debit with my bank…
-
New cheque chargeback rules - from the horses mouth
In response to a number of posts recently regarding the new rules for cheque clearance & chargebacks, this is an extract from our Intranet (I work for the Co-op bank) The OFT 'customer promise' will bring more certainty to cheque processing. This means customers can be certain of when they will start earning interest on a…
-
Advice saught regarding standing order not going through.
Hi guys, firstly I hope this is in the correct place. If not feel free to move it. Ok. My problem. I set up a standing order to pay an ongoing bill each month. I set it up fine on-line (I use Barclay's) I checked the account number and sort code of the person I wanted to pay about 100 times. All was fine. Apparently they…
