Budgeting & bank accounts

Archives for July 2009

Bad credit new business account?
Hi guys, after some advice on obtaining a bank account for my new business, I am a sole trader and need to be able to cash cheques under the company name. I have a very bad credit rating after being incredibly foolish when i was younger and have had trouble in the past simply obtaining a normal current account. Who is…
Help
I have just moved my post to the debt-free bit... Ta
New Account
Hello, I am entering a DMP very soon (halfway through process with CCCS) and I am going to need a new bank account because my overdraft on my current account is going to be put into the DMP (£1700). I have never had a bank account even though I'm 23 lol. I just got added to the wifes ages ago. What do I need to take with…
Verified by Visa fraud
I've just got back from my holidays to find that two payments of £170 and £180 have been taken from my current account. I rang the bank and they have put the fraud people onto it and blocked my account. I also got an email from Verified by Visa saying my account password had been changed. Obviously if I had been at home I…
Cancelling a Direct Debit
i signed up to a direct debit at my local gym for a year (5 months ago), they use a company called "eazy collect". at the botom of my direct debit it says "you can cancel a direct debit at any time by writing to your bank". however, when i just phoned eazy collect to cancel she made out that i was a criminal for wanting to…
Alliance and Leicester not saving Customer ID.
Dear MSers, For the last few days, every time I close Firefox and relaunch it, it fails to remember my Alliance and Leicester Customer ID number. I have changed no settings or have any new software. It works OK on Internet Explorer, for which I use for my other Alliance and Leicester ID. Because it fails to remember the…
Halifax overdraft charges...new!
If like me, you have a Halifax account with an overdraft which you seem to be eternally inside of, but never going over, then be warned... From 3rd december 09, Halifax will be applying a daily charge of £2 to all overdrafts when in use. Equates to £60 a month! I'm jumping ship now. Halifax will be writing to customers in…
Barclays on-line banking
I have just been told by barclays that i cant have on-line banking as i have been bankrupt.The only thing they will except is a Cert of discharge from the courts which cost. Has anyone else come accross this.
Overdraft V Credit Card Balance
Firstly huge apology if I've posted this in the wrong bit - its just it falls into serveral camps! (So I have posted this in two areas sorry!) I have just over £4000.00 on my credit card and I am trying to pay off about £400.00 per month to get this down to a more manageable level. However I am just wondering if I am…
Clydesdale Bank Cheque return fees
I wrote a cheque for £130 from my Current Account with the Clydesdale Bank. I very rarely write cheques (the last one being over 6 months ago) and for this one i didnt record who it was for, what it was for or when i wrote it (my fault). I dont think its fraud, but I couldnt remember writing it and wanted a copy of the…
Electron cards?
Hi all, I'm guessing someone here will know the answer, or point me in the right direction :) I have just opened a basic account with the Halifax, and have recieved my Electron card.. I went to order my groceries online as usual, and they don't accept the card. Is this usual for Electron? Does anyone know if i can use them…
CTF - Yorkshire Bank -
I opened a cash CTF with the Yorkshire Building Society in December 2008 (based on MSE tips), at what I thought at the time was a fixed 7% rate for 1yr. Recent statement now shows I have a variable rate with a 0.7% bonus included (I see this is the current MSE best buy). Not sure whether this is my error or Yorkshires who…
Barclays Bankers
http://www.thesun.co.uk/sol/homepage/news/money/2562454/Barclays-fleeced-newsagent-Mukund-Patel-of-7k.html
UK branches in foreign countries?
Good evening. I am trying to find out how many UK banks have branches (not subsidiaries) outside of UK, accepting deposits from individuals in foreign currency (not GBP). In short, I am trying to find out if UK has any bank branches operating under the "passport system" (same as Icesave operated under in the UK) in foreign…
credit/risk rating affected
Please delete
A&L Current Account - O/Draft Charge?
I closed down my Premier Direct Current Account with Alliance & Leicester as the interest was abysmal. By mistake I transferred the closing balance to an external account twice. I did this over two days because their online banking screens take so long to update I could still see the original closing balance on day 2 so…
Credit Card Security Code (Last 3 digits)
The more I hear about credit card fraud and the way that cc's are used online and over the phone, the more it seems to me that the 'last 3 digit' system is seriously open to abuse. Does anyone, apart from the person holding the card at the time (not necessarily the person who pays the bill!) need access to these 3 numbers?…
Co-Op Bank Swift Code / Bank Identification Number
Hi there I'm new here and have a question about my Swift Code I'm with the Co Operative Bank and my Swift code off my statement is CPBK GB22 I'm trying to do a transaction but I keep getting an Invalid Code error It wants an 11 digit code, I've searched online and found 3 codes CPBK GB22 OFS = (Overseas Financial Services)…
Overdraft
Apologizes in advance if I have posted in wrong page. I have recently took out an overdraft with Abbey for £400 and with just around less that £1000 pound being payed into my bank on a monthly basis i will have to pay intersest of 19.9% which to be honest I can't afford and I can't see myself being able to clear the £400…
Natwest Private Banking
I am sorry if this is the wrong place for this as I have just Joined. I have been looking at Natwest Private banking, and I would qualify on income and savings, but I cannot see what card you would get on this account, as the Natwest site only lists a 'Solo Card' or 'Servicecard' for all current accounts. I am also unsure…

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MSE News

Octopus Energy buys Shell Energy UK – here's what you need to know
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Have yourself a MoneySaving Christmas… starting with the best way to bag a cheap, sustainable Christmas jumper from only £3
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More Than to stop selling car insurance policies – here's what it means for your cover
More Than car insurance customers on auto-renewal should look out for a letter explaining they'll be switched to Swinton Insurance, after More Than announced it was pulling out of the market. If you want to opt out of the switch, you'll need to do this before the end of your current policy – or risk having to pay a cancellation fee of up to £50.
more than car insurance swinton
More Than car insurance customers on auto-renewal should look out for a letter explaining they'll be switched to Swinton Insurance, after More Than announced it was pulling out of the market. If you want to opt out of the switch, you'll need to do this before the end of your current policy – or risk having to pay a cancellation fee of up to £50.
New scam ad protection measures to be introduced by Facebook, Google and more – changes Martin Lewis has long called for
New scam ad protection measures, such as two-click reporting and verification for advertisers, are to be introduced by major tech firms, including Amazon, Facebook and more.
Bank of Scotland, Halifax and Lloyds to close 276 branches in 2023/24 – here's the full list, plus alternatives
Bank of Scotland, Halifax and Lloyds, which are all part of the Lloyds Banking Group, will shut at least 276 of their bank branches in 2023 and 2024 after Lloyds announced a further 45 closures today (Wednesday 29 November).
'Unpredictable' broadband and mobile price hikes should be banned, say Which? and Citizens Advice
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Martin Lewis: Do you have a Power of Attorney? It’s crucial protection – not just for the elderly – and more important than a will
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More than eight million households on certain benefits and Tax Credits have now received the second third of their £900 cost of living payment.

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