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Budgeting & bank accounts

Archives for March 2010

Credit searched for basic bank account
I applied for a basic bank account from RBS was turned down I knew I would fail a credit search hence applying for this, the woman said no credit search was done so maybe something like fraud was the problem, after panicking I sent for my file, and lo and behold what shows up credit search RBS 26/03/2010 Credit Search- Rbs…
Halifax Question
I applied for a Halifax Ultimate Reward Current Account on Sunday evening. I got the normal 7 day response message, so I logged into On-line banking today, (I previously registered when i applied last, but got decline last time) and it's given me an account number and sort code and besides that in another column it says…
Direct Debits and Bank holidays
Hiya all, Due to get paid on Friday and have a number of direct debits due out as soon as my wages enter the bank. Now panicking that i wont be paid and if it isn't in the bank tomorrow i presume it will be Tuesday. Will the bank still be able to take the scheduled direct debits on the Friday do you know? Hope not or i…
Bank Cards as Status Symbols and Acceptance
Hypotechtical Question on which Bank Customer would be better In the sense of acceptance of the cards and appear to be of a higher status, this is for a project so would be grateful for some input, it is also about what people perceive status to be regarding what someone has or does not have. It is not about what they may…
Where can I find a no frills dual or triple currency current account?
Can anyone help me find an inexpensive triple (or dual) currency current account? I am annoyed at the bank charges that everyone charges and even the pre-paid currency cards don't seem to offer very good value. HSBC offshore has such an account, but to avoid the £20/month charge you have to maintain a very high monthly…
Premier direct current account..charges?
I have a premier direct current account, and usually credit it by at least £500 every month, as I believe this is a condition of the account to get the high interest for the month..I have messed up this month and tonight Ive realised Ive only paid in £450. I have transfered some online from a savings account I also have…
Natwest Reward Account
I got upgraded to my Halifax Reward Account last september but cannot get my overdraft limited raised, is this based on how much gets paid into the account??
Pin sent, but no card?
Hi I opened a new account with Halifax a couple of weeks ago, and got sent a welcome pack and pin number which I recieved last Thursday. Am I right in thinking that a card should have been sent too? As I've not recieved it and thought they usually come within a day or two of each other. Thanks
A&L premier direct current account
does this come with a cheque book and full visa debit?
Help with First Time Bank Transfer
I need to get money from a Natwest account into a Nationwide account. However a cheque would take too longs and iv heard that bank transfers can be much quicker. But iv never done on ebefore so dont know what to do. Is it something i can do online or do i need to go into a back and what information would i need? Id rather…
Any retailers still not accepting Visa Debit?
Afternoon. Got a letter from NatWest today informing me my Maestro debit card is about to be replaced by Visa Debit. I've had a browse around some of the threads here, and appreciate the feedback therein. Can anyone confirm which, if any, retailers are still not accepting Visa Debit as of now, end of March 2010? I ask…
Foreign currency cheque
Hello,Quick question really (possibly a stupid one!) Can I get a cheque in another currency (US$) from my UK bank account?
Nationwide unauthorised overdraft
Hello, please could someone advise me. I have just checked my online banking with nationwide and was horrified to discover that i have gone into minus figures of £48.92 on the 29th March. However, on that same day, i credited the same account with £100. Currently there are no charges appearing on the account, and i have…
Waste of time....
I currently have a basic cash account with lloyds. Had it for 2 years now was thinking of trying for a current account. I also have a credit rating builder credit card with Capital one. Always use and pay. I have 3 defaults that are almost 5 years old and fully paid. Credit rating has been tidy for the last 4 years except…
"First Report Ltd" searched my credit report
I've just had my free annual report from Callcredit through annualcreditreport.co.uk. On the searches page, I can see that a company called "First Report Ltd" searched me for a "Checking Credit Application" in August 2009. I don't ever remember applying for anything around that time last year. They also haven't used my…
SAntaDorr
hi all, i've just set up OTP on my account, next time i login to my acc i c: Error code: EBAN_0000 We are unable to process your request. If you were trying to register for OTP we recommend you change your passcode. You can change your passcode by clicking on the 'Personal details' at the top of this page and then clicking…
A&L Premier Direct Current Account closure
Hello all I opened the above mentioned current account before Christmas, mainly to take advantage of the £100 welcome incentive and the £45 cashback from TopCashBack. I have now received both the £100 from A&L and the £45 cashback has been credited to my TCB account and is withdrawable. Soon I will be going traveling, and…
Natwest Blue Visa Debit Card
I have been sent a Blue Visa Debit card on my Currentplus account, is this the same as the Visa Debit issued on Step Accounts ?, I ask as I have found I cannot use it in [EMAIL="Pay@Pumps"]Pay@Pumps[/EMAIL] but I am not sure if it will work on a train (And I don't want to try incase it does not !), does anyone know where…
Help - Alliance & Leicester (Santander)
Hi I have joined this site to let off a lot of steam about the Alliance & Leicester. I have a current accout with a £50 overdraft. What is happening is every time money is paid into my account and I withdraw cash from it on the same day it shows the money being taken out first then the money coming in, therefore 9 times…
Natwest unauthorised overdraft charges.
I think I am going to incur a charge as a paypal DD has come out before I was expecting leaving me overdrawn. Can someone please clarify if I will be charged the maintenance fee plus the paid referral fee, or just one or the other. Also I am not clear what this means: Paid referral fee amount: £15 for each day on which a…

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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
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
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 low-income 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.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
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
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
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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