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Budgeting & bank accounts

Archives for March 2008

Barclays: looming disaster
This is about a current account, despite appearances: A year ago, I succeeded in opening a cash ISA with Barclays. To enable me to manage this on-line, I opened a current account with them, an account that I have never used. So this year, as an existing customer, I opened a new cash ISA with them on-line. The only option…
Lloyds TSB made a payment we had cancelled and won't reverse it...Help Please?
Bit of a long story and I'm not sure if this is the right place for this, so if it's wrong can someone please direct me to the correct board? Basically my other half has a basic cash account with Lloyds. We have just moved house and we had some outstanding money with our old landlord. My other half set up a bank payment to…
HSBC foreign Money transfer?
Hi i need to make a payment to a HSBC account in the states would it be quicker to do it from my HSBC account? What is the charge i know with Nationwide its £20 also has anyone used the online payment service they offer to foreign transfers? I am needing to sent £1200 asap many thanks in advance
Business Bank Account for contracting
Hi, I am about to leave my full-time employed job and start contracting. I therefore have been advised to set up as a limited company but I do not really have any idea about this and wanted to get some advice from my favourite money saving website ;-) Unfortunately I can't really find any information about this and more…
Upgrading from a Basic Account to Current Account
I wonder if anyone is aware of any banks that upgrade their Basic Bank Account customers to Current Account Customers based on their history with the Bank and how they have conducted their account, rather then just using the credit check system? Both myself and my husband have got Step Accounts with Natwest crediting over…
switching bank accounts, but which?!
hi there, i have looked at the main banking and savings articles on the site, and i read through the bank accounts thread linked from the articles. but i am still completely lost! i've been paying through the nose for a small (£100) overdraft for the last few years (£9.50 monthy 'subscription'), and a friend has now lent…
LLoyds Bank Basis Bank Account
I wondered if anybody has recently opended a Lloyds Basic Bank Account. Myself and my husband can only get a basic account at the moment and have been looking around to see what sort of debit card we will get. I have looked at Lloyds website and it says they will issue you with a Visa Debit Card (the new version of Visa…
A&L Interest
I have a new savers account with A&L. Does anyone know when they pay the interest each month? I have already been credited with my interest for my A&L current account but not my savers account I have made no withdrawal in March. Thanks
Redundant Accounts
Hi guys, I'll be opening up a new current account soon with A&L to take advantage of their 10% ISA for new customers. To meet their £500 per month deposit conditions for the c/a i'll be having my salary paid into that account making my natwest account now totally redundant (as I've also moved my ISA from there since their…
How do I cash a cheque at Cash Converters?
I need to borrow a bit of money until the weekend and I've got a cheque gaurentee card, so I've been advised that I'd be able to cash a cheque at Cash Converters and then the money would be payable over the course of a week? How do I do this? Do I write a cheque from my bank to myself or to cash converters or something? I…
citibank which card
Few months back I posted a thread about I've never had a bank account in the UK, thanks for you guys, I have a Halifax cashcard account now. And it's great. However, I have a Visa Electron card, it's really annoying to use, as some place don't accept it. So I applied for citibank access account. And got accept it. My…
refund to expired debit card
hi, i recently had some money refunded from one of my sharedealing accounts, into my bank account. Part of it was as a BACS transfer into my current account, and the rest was refunded as via the debit card i originally used for payment. i have received the BACS part, but not the debit card refund... i have contacted the…
Wot current Acc to use with Kaupthing
I have a joint account for regular income with partner. However, need new single name account to operate single account with Kaupthing or similar high interest saving account as joint account will not do. Any recommendations for a current account : 1)not requireing regular wage to be paid in, 2)no directdebit or bacs…
How many different current accounts are there?
Hello, Does anyone know a place where the number of each type of account: current, fixed term savings, ISA's ect are recorded, like a statistic for how many customers in England have these types of account? It's for a case study I am doing? Any help greatly appreciated! Thanks
Natwest "Personal Review"
Hi there! Basically I started banking with Natwest 2 months ago and have Advantage Gold, Current Plus (for bills) and an e-savings account. Due to me being paid my wages by cheque last month which was late to arrive I phoned Natwest to ask if my overdraft of £50 could be increased tempory so I wouldnt get bank charges for…
Money in overseas current account
Hi there, I've just discovered my girlfriend has about $2000 in a US current account which is leftover from her time living there as a student about 4 years ago! I have made her see sense that it is no good to her over there and it would be better in one of her english accounts earning interest. Does anyone know what would…
free banking
Do you think it is likely that Banks will end free banking and start to introduce monthly or annual charges just to have a bank account?
Loyal Natwest customers shunned after online fraud
Hi there, I was wondering if anyone has any help/advice for me, on behalf of my parents, after someone got hold of their online banking details somehow and robbed them of nearly £6,000 – of which Natwest have only offered to give them back £150. This is quite a long story and I'm relaying it as a third party so I'll try to…
Curreny Account - Advice please!
Hello all. I've been banking with Abbey for many years and am now fed up with their shocking customer services and attitude towards customers so thought I would take action by saying bye bye and closing my Current Account. I'm looking for a new bank for my current account. I don't really use the internet to bank, and don't…
Natwest's gross negligence
Despite an emergency phone call to Natwest to cancel my lost debit card a few days back, today I discovered that it had not been done. Being a private banking customer, I am absolutely furious and to add insult to my injuries, I discovered that it is not even possible to initiate a complaint online (a disgusting attempt on…

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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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