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Budgeting & bank accounts

Archives for May 2008

Who uses what Credit Reference Agency?
My hubby has signed up to ''Call Credit'' the third CRA. I can confirm that the following report your details to them: Co-op Bank Nationwide Capital One Next Bo x
Halifax Ultimate Reward A/c - changes
Received a letter today advising me of changes to this account as of 1 July Monthly Fee - up from £10 to £12.50 Interest on arranged overdraft over £300 - up from 13.35% to 19.5% Unsecured Personal Loan bonus - was £50 now £0 Car Insurance Discount - was 10% now 15% Introduction of Price Promise and Purchase Protection I…
How often do you use online banking?
I'm very addicted, I check my accounts about 5 times a day. When I wake up, after lunch, in the afternoon and before going to bed. LoL I love HSBC Internet Banking btw. :p
Anyone have bank account knowledge help!
Edit--3/06/08 I know my problem that they dont offer me a flex account because I have been living in my permanent address just one year. It need to be 3 or more in the UK . Can I tell them my grandmother address for the previous address but I don't have prove that I have lived there before because I haven't open bank…
A&L Overdraft
Hi, I have an A&L Premier Direct Current Account and only have a £100 overdraft. I have only had the account since the end of Feb, and have just had my 3rd monthly wage paid into the account. Just before this went in (about 3 weeks ago) i spoke to someone about increasing my overdraft. They said that there wasnt an…
Internal LTSB transfer times
Can anyone tell me if the time before an internal is made between LTSB current accounts is affected by the weekend? As I understand, if you request a payment 'today' is will only leave your account 'tomorrow'. The transfer itself is 'instant' but its timing is always delayed What about a request on Friday? Does LTSB move…
Business ACcounts
Hi This is a question for any people running small businesses really. I have a small business and I have a current account with HSBC. We have to pay bank charges to pay in money and to take out money. I had a heated discussion with them over this and as we are so small said it wasn't fair to have to pay 70pence to write a…
this new `fast pay`
Hi guys yesterday , i paid my partner £200 using Natwest internet banking , at the same time i paid £100 to my Natwest Credit Card How come the payment to Barclays is there now , but the payment to my OWN banks CC isnt ?? Are Natwest trying to screw me for as much interest as they can or does ht enew fast paying system not…
Creative financial solution needed for home improvement
I've moved from the Netherlands to the UK, moving in with my girlfriend. She lives in a large mortgage-free house, but her father is the owner of it and will remain so until she inherits it. As no money has been invested in the house for years, it is crying out for a lot of DIY and I've calculated £10.000 is needed for it…
Lloyds Bank - Breaking Data Protection & Charges
I would love some advice on this. I have an account with Lloyds bank which was an old student account (with overdraft facility naturally!). In May 2005, someone (not me) changed the address on the bank account, and since then, I have had problems in any communications with them and they have been sending my bank statements…
Can you have more than one current account with the same bank?
As in the title: Can you have more than one current account with the same bank? I have a couple of BTL properties and I would like to keep things separate from home stuff and I dont want a buisness account. Thanks
Withdrawing money and paying for items online?
Hello,just a quick question.....The daily withdrawing limit at my bank is £250,I plan to take this out today to pay bills ect but then I also want to pay for up to £100 worth of items online......I know this may appear to be a silly question but can all this be done in one day as it'll take me over £250? Or does that just…
Best Bank for Euro transfers from Europe?
Hi, I've recently moved abroad (Germany) with work and I'm paid in Euros to a German bank account (HVB). I regularly transfer money back to the UK (via CHAPS) into savings and to pay for stuff, I'm currently with Natwest who although offer decent exchange rates charge 7GBP per transaction. If I transfer every month, this…
HELP, Words and Figures dont match on a cheque!!!
My brother-in-law took a cheque from someone and the words and figures dont match, theres only about £2 difference, the words has the correct details whereas the figures are £2 less than what it should be, if they bank this will this be accepted/declined?? I remember reading somewhere at work saying that you should take…
Am I in the wrong?
Unsure if this is the right place to post... But last year I opened up a gold account with Natwest for the free travel insurance and intended to close it down within the free first three months. So I received all the papers and a bank card, with which I had to sign and return with proof of I.D. However having recently…
Bank Help Please - Unfair Charges
Hello guys and gals. Right, this is a long one, so may be dull. I'm at the end of my tether with this now, and really could use some advice. Story goes. We moved joint bank accounts, from one bank to another. The new bank automatically transfered our direct debits and all is good. We had a current account and a savings…
Lloyds TSB help
I applied for a bank account with them when I was 15. A month later I was 16, and have just realised that I possibly should have received a new card. I currently have the under 19's account, but it is only a cashline card. I was just wondering whether I should have had a new card,, ie, the chip and pin type card, that I…
Unauthorised Overdraft Charge?
Hey, i've hovered around awhile without registering but felt I needed to ask about this. This doesnt relate to reclaiming the charges (though it may do eventually) just wanted to know if I have it correct. My current account went overdrawn (I dont have an arranged overdraft) when a standing order was removed from it, me…
Best bank account for somebody just got started in Ireland
Hello guys! I just got over from Germany yesterday and will soon start working here (Belfast, Northern Ireland). I start looking around for a bank account that will fit my needs and found the info about Alliance & Leicester's "Premier Direct Current Accout". Think that one might be nice BUT... problem is I just joined here…
Turning 16, Getting a bank account [+A Job]
Hey guys, looks like a really useful forum here - one that I might be using alot if/when I start earning and saving! :D At the moment I am approaching 16, just had my National Insurance Number through and I am looking to get a bank account up and running for my birthday. Then I can have a few application forms being…

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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
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Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
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Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
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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
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Applied for South West Trains 'boundary fares' compensation? Act now to claim it
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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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