Budgeting & bank accounts

Archives for February 2010

Can the bank charge me for presenting a cancelled cheque?
I thought I lost a cheque book and cancelled the whole book about 4 months ago. OH brought a cheque down for me to sign and was given to the local takeaway, I have just realised this has come from the cancelled cheque book - Question is put my card no on back so will the bank honor it anyway and will I get charged if its…
Ultimate Reward Current Account help please
I have a Bank of Scotland Ultimate Reward Current Account, for which I pay a monthly fee of £12.50. I've just been looking through my transactions online and noticed they have taken an arranged overdraft fee. But I was under the impression that you got up to £300 with no fee attached to it and I haven't gone over this…
First Joint Account
I was wondering if anybody could recommend a current account for my partner and i? This will be our first joint account as we are looking to buy a house together. It will be purely for bills as we intend to keep our own accounts for pocket money. She currently has a very basic HSBC Account and i have just transferred to…
Barclays Student Additions
Hello I am tomorrow opening a student account with barclays, will i get a contactless debit card with this account? in the brochure it says i do, however online it doesnt... Hope someone can help? Thanks! :)
Cash Point WARNING - Edinburgh
Used an ATM in Edinburgh recently? Check your statements. Article from The Scotsman: "ORGANISED criminals have targeted cash machines across central Edinburgh in a massive card-cloning scam which has left thousands of bank customers at risk of fraud." Report Fraud, Support for Victims and how to Protect Yourself (Click…
alliance and leicester problems please help
Hi guys. I opened an account with alliance and leicester a few months ago. They set me CPP card protection up witch cost me £35. I totally forgot I had this £35 soon being debited from my account. I did not need to use this account for a while and never used it for a few months. I moved house and did not change my address…
Personal V's Private Banking.
Deleted for stupidity reasons. lol
Upgrade LTSB U19 Account to Vantage?
My daughter has a Lloyds Under 19 current account, but as she has just turned 18 I wondered if she will be able to change this to a Classic Vantage account and hence get 4% interest. She is still at college so no significant income, I would need to "cycle" the £1000 per month for her. When she goes online she does not have…
Safe Deposit Box at Banks
Does anyone know of any high street banks that offer these still?
direct debits and sons savings account
my son, who is just 18, has a savings account with Yorkshire bank. he has his EMA put into it each month and doesn't have any other accounts. he recently took out a direct debit for £15 with Tmobile for a pay monthly sim card. they took out the first £15 then he phoned them to say he had found a better deal for £20 with…
A&L applied for a credit card for me without my permission.
Has anyone else had a similar experience with A&L?: I opened a premier current acc with them in Sept09 then received a letter from Santander in Oct stating that I had been refused a credit card. I have spent days since receipt of that letter trying to find out a) who applied for the credit card for me and b) why I was…
Direct debits taken early, is this right?
Hi, Yet again this month I have logged into my online bank account at the weekend and found that all the direct debits that are due to be paid on Monday the 1st have been deducted form my balance on Saturday. As these include my mortgage and other bills this amounts to over £1000. As I live my life in my overdraft (I am…
Alliance & Leicester take DD's early?
Good Morning Everyone. Being an A&L customer for a few years now (against my better judgement) I have noticed a new trend in the way they deal with my account and wondered if anyone was having the same problems. When my "1st of the month" DD's go out on a monday, like tomorrow, A&L have started to take the amountdue from…
How to claim back tax paid on Halifax Reward Account
As the tax year is coming to a close, now is the first time I have ever had to reclaim the tax Halifax has kindly paid to HMRC on my behalf from the monthly £5 reward payments. I'm a non tax payer, but Halifax didn't let me fill in the usual R85 form but said I must claim back from HMRC when the tax year ends. As I have 3…
ING Direct account
Hi, Got a ING Direct account with some of my savings in (Auto migrated from Kaupthing Edge) - I now need access to the account, the problem is they sent me a PIN code letter and the PIN reveal went a bit wrong. Any way to contact them to request a new PIN? And can they give me one over the phone or will they have to post…
Good Credit Needed for a Cheque card ?
My existing Debt Card was damaged and my new one with LTSB has a Gold Cheque Card logo on the bottom right hand side with £250 on it. I did not thing Cheque cards were issued anymore as my previous card never had one. So I am wondering if my credit rating has gone up to qualify. Thanks
Hsbc
I did not receive the mail from the HSBC, so I could not sign the HSBC loan papers hence the account being closed and sent to a debt agency and a default on my credit score. I found out that my mail was being sent back the HSBC saying not at this address, as my mail was being delivered to the wrong address I later found…
Is a 'Fair Credit' file really just a 'Bad Credit' file?
I need to open a business bank account and due to a very recent change of address I have fallen into the 'Fair' catagory with Experian. I have no CCJ's or anything but seem to be having problems opening a business bank account. I have £0 debt, 2 current accounts always in the black, 2 savings accounts with savings, so what…
Banks Account Overdrafts...
If banks did not offer overdrafts at all do you think people would actually go overdrawn or be more careful in their spending?? For example if overdrafts had never been invented do you think there would be less overdraft debt now? Or do you think people would be living in "unauthorised borrowing"? There should be more…
HSBC transaction types
I am curious to know what MAE and BP stand for with regard to HSBC transaction types. Is there a link that would explain all HSBC transaction types for me? Thanks

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