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Combining debts
Hi, Hope i'm in the right forum for this question. We have got ourselves in a big of a pickle with the credit card and overdraft. We owe nearly £3000 on the credit card and are forever living within the overdraft limit of £950. The bank has suggested to us that we take out a loan and pay off both and then only have to pay…
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Alliance and Leicester / Overdraft problems
Hi guys, I currently have a £2,000 overdraft with LloydsTSB, that I'm hitting about £1800 with every month, I'm paying about £20 per month interest on it. I recently applied to the A&L for their 0% overdraft, and they're currently halfway through transferring my account over, but I've just discovered that are ABSOLUTELY…
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Yorkshire Bank
After reading a few threads about them offering a debit card with their ready cash account, I went on their site and to open an account you either have to ring them or go into a branch. I live no where near one, so I rang the number to be told that I have to open them in branch. Has anyone else managed to open one online?
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Alliance & Leicester Premier Direct Account
Hi, I applied online on Sunday for a Alliance & Leicester Premier Direct Account and I got an email back to say that my application had been received and I would hear back within 24hrs, and now today I get another email that says "Your application is being considered, we will notify you with a decision via email within the…
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Coin Bags
Hi there. Does anyone know how many coin bags can be paid into a Lloyds current account at any one time?? And if it would be more if I have 3 current accounts with them??? :confused: Thankyou :o
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Stoozing Student Account Internet Free Overdraft
Hello I have a student account with HSBC with an interest free overdraft. However what I have done at the good advice of Martin is stash it into a savings account. The thing I wanted to know was since I am overdrawn on the student account which I tend not to use at all for months - can't HSBC ask for the money back since I…
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Abbey IO
I recently got a letter from my bank saying I had an Instant Overdraft Request, which the ban declined. It was for £10 so I checked and I owe the bank £15, but my statement came today, and the letter was sent on the 7th, and no charge has been put in my statement, the only new thing in the statement is an Interests and…
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Advice on my graduate overdraft reduction
I've had a student account with Abbey that turned into a graduate account about 2 years ago. This has a free, £1000 overdraft on it that I've been paying off at the minimum rate each month for 2 years. I also have a regular current account with a chargeable overdraft with Abbey, that I use as my regular account (wages and…
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RBS student account & Bankrupcy
Hi All I wonder if anybody could give me any advice. I currently have a cashline plus account with RBS, and I have just been accepted onto a university course so I am told by the bank that I would be eligle for the RBS student account. The only problem is am I am undischarged bankrupt, and RBS do not know this. As an…
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Current account DD switching problem
Hi, A friend has been attempting to switch from LloydsTSB to Nationwide (as there are no Lloyds branches in NI). The new NW current account has been setup and is working fine. However there is major problems with transferring the direct debits. The Banking Code states it should take 3 working days, how does over 3 months…
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Nationwide - Windfall sign-away
I've been a Nationwide customer for years and when the de-mutualisation sign-away came round in the late 90's I decided to retain my rights to windfall ;) The thing is I'd quite like to open a new Nationwide Current Account - but I'm unsure as to whether this would force me to sign up as a new customer and therefore sign…
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Will I be charged
All my bills came out on Friday and it took my to £2 over my overdraft. I realised this on friday and immediately transferred money from my savings so that I was within my overdraft. So technically I was over my overdraft from midnight when the bills came out till about 7 in the morning when i transferred money. Will I be…
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Joint current account
Hi Guys, After a little advice as not sure about all this joint bank account malarky. Anyway myself and my good lady are going to rent a place (current credit crunch stops us getting a mortgage we want) What we want to do is keep our seperate accounts with all our individual debts coming out there but set up a joint…
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direct debit query
hi there hope this is the right forum :) from receiving an invoice for a direct debit payment , what is the legal minimum amount of days a company must give before they take payment , many thanks
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What time does money go in??
Hi folks I am waiting for some money to be paid into my current account. I know it is due around now, but don't have an exact date. I have nerdishly spent the last few nights waiting up till midnight to check online banking, in the hope it'll show up. It hasn't done tonight, despite the fact I had carefully planned my…
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Lloyds accounts and errors with addresses.
We have been receiving post at our address for the previous occupier who moved almost 18mths ago. OH and I are both lloyds customers and are really hacked off with them for many reasons and this development is just the icing on the cake. Since May 07 I have returned everything to them for him, written to them a few months…
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Looking for a new current account provider
Hi Folks To cut a long story short I have been with Clydesdale Bank for about 20 years and just don't feel I get any service from them anymore - they send me a statement once every month and erm.....that's it. So I am really looking for another current account provider - it will be a joint account with my wife and salaries…
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Unique scenario - potential fraud?
i've recently decided to abandon my naïve childish ways & take control of my finances, affairs & life. I've scheduled a meeting with the bank manager of my local yorkshire bank for this week, but i have a problem.. My passport & birth cirtificate have my middle name & 1st name the wrong way round, which has caused many…
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Cashing a cheque from a LTSB collection account
Hi, I've got a cheque here from my pet insurance company which is drawn on one of Lloyds TSB's suspense accounts (sort code 30-00-02) and is headed Lloyds TSB Bank plc - basically, not a personal cheque and extremely unlikely to bounce. Would it be possible to simply walk into my local branch of Lloyds and get this cheque…
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delay in transferring money
~Can someone expalin why it takes 3 working days for money to be transferred from one account to another? And more importantly where does the 'money' go? I have just had a bank transfer done and the money has gone out of the other persons account and yet it's not in mine??? Surely it's just a click of a button?????:mad:
