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Random question re. Lloyds TSB Vantage
I have a LTSB vantage account and think it's the business; much better interest rate than on my savings account, and really gives me an incentive not to over-spend. But I'm curious as to how the accounts benefit Lloyds: the main impact I see them having is that people will use current accounts instead of savings. Why is…
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Quick Question on Deposting a Cheque
Hi My Grandmother, who is now getting on and becoming quite forgetful has sent me a cheque. I need to put it into my account immediately, however, I've just seen that she has signed it twice. Once where she should, and then again in the numerical amount box instead of the amount she is paying. She has written the amount…
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money gone into frozen bank account!!!!!
hhhhhhhhhhhh
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Help! Paypal lost my money!
I'm badly in need of some advice and I'm sure someone he're will be able to offer some! About three months ago, I requested a withdrawal from pay pal to my bank account, but got the account number wrong (I was copying and pasting from an online statement and got an extra digit from the front and so missed one from the…
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Transfer from HSBC to Barclays Time?
I need a quick respond so hope someone can answer this question I can't find an answer to: I have an Online account with HSBC and a Young Persons account with Barclay's. How long does a transfer take from HSBC to Barclays online? Thanks in advance!
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Requesting For A Replacment Card Online?
Hi, I was just wondering if its possible to request for a new card, online opposed to calling HSBC to do so. (every penny counts!) Yup, I do have online banking. Thanks!
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Warning: Nationwide not a "bank?!"
Hello. Has anyone else had this experience? I had to get a bank reference for a transaction. I went into Nationwide and they said, fine, just bring in the documents and we'll deal with it. When I went back the next day, a different person refused even to look at the request and just said "We don't give bank references…
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When Does HSBC Charge It's Overdrawn Fee?
Hi, My limit on my OD is £10. For some strange reason, I must of miss countculated and I'm overdrawn by £11.41. Now, seeing its the weekend, if I were to put that money into my account first thing tommorow morning, would they still charge the overdrawn fine, which is £25? Thanks! (PS: it's a standard debit card account,…
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The real end of free banking - legislation introduced into Parliament
Just in case the arcane nature of our banking system and the regulations isn't your daily bread and butter, I should perhaps point out this: http://www.theyworkforyou.com/debates/?id=2010-09-15b.903.0 Financial Services (Regulation of Deposits and Lending) Bill. Ostensibly this is a bill to outlaw fractional reserve…
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Online shop fraud
Hi all, Really didnt know the appropriate section to put this in, if anyone knows and has the power to move the thread please do. I have recently, i say recently 2 weeks ago, ordered a protein supplement, from the following website: cheapdiscountsupplemenets.com I made the order 2 weeks or so ago, then recieved an email…
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Bank Account Frozen after Fraud
On Wednesday my two barclays debit cards were stolen from my wallet in London. I rang to report it to Barclays as soon as I noticed and they froze the accounts - but not before someone had gone to a local branch and cleared my current account and graduate overdraft facility to the tune of £1500 over the counter at the…
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Am I doing well on my budget or not?
Good evening, I've been sticking to my budget now for the past few months and I'd just like to know what other people think actually because I'm not sure if I'm doing well on my budgeting or if there's more I can do to cut costs, have tried to REALLY bring my outgoings down to almost nothing and I've got used to living…
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Am I doing well on my budget or not? (Double post, please delete)
Please delete this, I don't know how to do it myself
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Bank Of Scotland Debit Card
Hi guys, hope you aren't all fed up of my questions of late. Have BOS stopped issuing cheque guarantee cards?
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Good/bad sutuation?
Hi there, I recently incurred charges on a lloyds account I have, and am in the middle of paying it back. For some reason unbeknown to me, they changed the overdraft limit from £300 to £6000, with a current balance of -£301.45. I have been told that due to another £165 in charges due to my account, my overdraft has been…
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Santander *spit* any advice?
Back in July I decided to transfer my account to Santander for the £100 switch bonus. I applied online, opening a saver account at the same time. I received letters in July giving me my account details, stating that my account is open. I have the log in details so I can view my accounts online. I have my bank card and PIN.…
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Cahoot & Santander - yes or no?
I have held a Cahoot current account for about 8 + years and until recently have been extremely happy with it: However firstly I am told that as I am a Cahoot account holder I can't apply to transfer to Santander and get the £100 bonus so I then enquire in a Santander branch office if I am eligible to open a 3.25% savings…
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Credit score worry
Wasn't sure which forum to put this so hopefully someone can help me here or suggest a better place for it. I have a friend staying with me at the moment. she has moved over from Romania to study and is looking for her own place. In the meantime she is trying to get settled and has opened up a bank account and given my…
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Bank - telling us to repay overdraft
We have been with our bank for years and have an overdraft facility that we have been using (but not exceeding). We have just been told that the bank wants to make a 'formal' arrangement to repay the overdraft facility. We have not encountered this before and there has not been any negative activity around our bank or…
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Where to invest my heating allowance?
Having made my pile in the Far East, retiring to live from my own means, I have now reached the age of 60. This means I will enjoy a Heating Allowance (payable in November? I don't know). Now here's my dilemma. Whilst on my holiday in Europe this year, I bought quite a few bottles of Champagne. Far cheaper there you know.…
