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Overdraft Question
OK after a spell of everything coming off at one time & me not seeing hardly any of my wages as was living out of overdraft I am starting to use the overdraft less & less. My Overdraft is currently £1,500 whilst this is quite high the most I have been overdrawn is £1000. Few weeks ago I received an email telling me that my…
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Rejection of Undated Cheque
Doing a search on MSE, I found a 2005 post which included: From the British Bankers Association: "The date of a cheque is important. If it is missing the bank may either insert it or refuse payment. An undated cheque can be valid but sometimes, depending on the circumstances, the bank will return it with the ?date…
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Alliance & Leicester O/D vs Credit History
Just wondered if being in overdraft for a while would be detrimental to a healthy credit history?
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Nationwide current account
I have had a current account for about three months and have paid in £1000 each month but have not had any interest credited. Does anyone know when they credit the interest, is it yearly? Also I have a cheque to pay in and dont want to queue up - how do you pay it in using the machine. I havent got a paying in book. Thanks
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International bank charges?
Hi, just want to pick someones brains, i am in the process of getting a new job from where the wage will come from overseas ireland i think anyway its in euro's. The company have told me that some banks might charge so i just rung first direct(my bank) and the said it will be about 6,7 or 8 pounds, each transaction or wage…
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year 11 top tips for money saving!
just finished a unit on finance with my year 11s. asked them to come up with top tips for each other about money management! some were not legal, or that healthy, but considering they sneered at nettos and charity shops lower down the school, this is what they came up with! shop at nettos clothes from charity shops buy…
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Using My Parents Current Account
My parents have 2 current accounts with different banks. I on the other hand only have 1 basic account - because I got into debt, ccjs etc etc, and I will probably never be able to have another current account again. Can I just use one of my parents accounts to get my wages paid into every week and use their debit facility…
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Working out take home pay
Is there a site which will tell me how much take home pay i will get from my new part time job Its 12,577 pro rata and im doing 16 hrs per week But i also work on my own business and earn approx 10k per year - not done my 1st tax return yet so don't know what Tax i'll pay etc Any advice? Many thanks,
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bank acc for OH
Hi, I really would like some advice on what to do here. Have been with OH for 2 years, for the first year he was unemployed and we lived on my wages (and savings) but he has been working for the last 8/9 months. He doesnt have a bank account and his salary gets paid into my account, but I want him to have his own account…
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40K Salary In London - Does It Get You Far
Hi All, Can anyone help me out here? Imagine you earn 40K a year as salary in London and after student loan and tax your take home pay is £2100. Can anyone help me understand what my budget would be living an average life ? How much should I set aside for accommodation and food and travel and so on? If anyone has first…
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Requesting Information
Hey All well it looks like i am getting no where with Natwest, and have been advised by a friend who works in a call center enviroment to req a copy of all the notes natwest hold on myself and also the recordings from the calls i have made to them which they have already told me they have. is this something i am able to do…
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Setting up a bank account, advice needed
Basiclly i am 16, i want to set another anotehr bank account. I have a smart account with nationwide. I want to set up another i want to put money in just for my needs. Like if i want to buy somthing online. Any advice and tips. On the best? thanks
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HSBC Plus Account
Just to let everybody know, I just had a call from HSBC offering me an upgrade to their plus account for 12 months...for free. This is normally £12.95 a month and I can cancel after the 12 months. I wouldnt normally agree but I cant see it hurting? It should be worth while for me as I have a cc debt with them and sometimes…
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Innovative banks
I am looking for an innovative bank to open my accout with. A bank that is different. A bank where I have the freedom to do what I want, anywhere, anytime. What are your suggestions and why do you think these banks are innovative?
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How can I prove that I paid someone by cheque?
Hi Six months ago I paid a family member a cheque for a thousand pounds. They have since closed the bank account that they previous had, and I would like to know how I go about proving to them that they did have the cheque? The family member suffers with mental health problems so its very very important that I can prove…
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Visa Delta
Sorry if this is a stupid question but can anyone tell me if Visa Delta is the same as a Visa Debit card? I've just got a Lloyds TSB current account which has a Visa debit card. I want to use it to deposit money in to my Betfair account but the site says that they charge for using Visa cards but Delta/Solo/Maestro is free.…
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Saving for Self Assessment Tax
**Please delete this I got the wrong forum**
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Barclays help needed
I'm wondering if amyone can help me please. Can I order a new visa/debit card and continue using the old one until the new arrives? My OH has a gambling problem and is setting up his online gambling accounts in either his name/email address or mine. He is then using my card details to fund this habit. In the past month he…
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current bank account
i have a poor credit history and need a new current account. also the account needs online faciliaties where i can look online at my statements ,where i dont need paper ones sending to my address..
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Halifax
Hi All I have applied for an account online with Halifax and the website has given me a account number and sort code. It also said that they needed to do more checks etc guessing credit checks etc Would I be able to use this account right away ? TIA
