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Budgeting & bank accounts

Archives for October 2010

opeing a student account but with a couple of obstacles
Im looking to open a student account however... I am studying a full-time HNC course and i hear that banks will only open a student account aslong as you are studying a HND, degree etc so HNC doesnt count. My credit score is poor. What is my chances of opening a student account? - Is there any bank that accepts HNC courses?
Barclaycard cleared my account!
Hi Can anybody help .... is this even legal ? I have owed Barclaycard money from a credit card for years, i am not disputing this, and have been in and out of payment plans. A month ago i opened a basic bank account with Barclays ( now i realise that was stupid ) to pay wages in. So my wages were payed in on 28th October,…
Direct debits & dates
Afternoon all... not my first post as I saw something else to reply to first ;) Anyway - just checked in with the bank accounts, and have noticed that the DDs for tomorrow (1st Nov) have already gone out. Two are household bills and the third is a credit card. I then went to check the credit card, and the DD has already…
stop a payment to a company coming out of bank account?
Hello - i've tried searching all over for an answer to this but can't seem to find anything. Does anyone know if you can stop a payment coming out of your bank account if you have paid for something online? Basically we've realised we've been ripped off but payment hasn't come out yet, so want to see if we can stop it…
Switching DD's
Hello I signed up to Santander last week, i got an email from British Gas confirming details (didn't have sort code ar acc number, so i had to call the bank) The email said that the first payment will be 1 November, TOMORROW!!! And i haven't been able to put any funds into my account. What will happen?
Alliance & Leicester/Santander overdraft charges...
Hi all, I received a leaflet with my last Santander statement about changes in overdraft 'terms' or something. It basically smells of changes with overdraft rates in the near future. Has anyone else seen this or know of anymore information about it? Can anyone recommend a good bank account with good overdraft rates and…
Santander Account Block
Tried to withdraw money from ATM using my cash card for my EWeb Saver got a message displayed unauthorized I never thought much of this thinking i could just go into branch next day (saturday) only to be told by the teller that my account had a block on it, She said that she couldn't remove the block and i had to phone…
Joint current account
Like many couples, we have a joint account to pay the mortgage, bills etc. Bank statement for this account are addressed to both of us, with my partner's name first. Last year, the account went into overdraft and the bank sent a letter addressed to me only to explain this. I complained and asked them why the letter was…
Banking in EEC when living outside of the EEC zone
Am soon planning to retire from a European country to a country outside of the EEC, but do not want to have my Euro pension sent to this country due to hefty admin charges the social system makes for transfers outside of EEC. I thought possibly the best way of avoiding this is to open a Euro account in UK and have my…
Santander sends me someone's details and demands money
update: please see post no 7 in this thread for update: http://forums.moneysavingexpert.com/showpost.php?p=37998618&postcount=7 cant change subject of topic so it is a bit misleading now.... hi i received a letter today from Santender collections department saying i have an unauthorised overdraft on an account, which i…
Lloydstsb online problem today
I have logged onto my accounts today and selected for mini statement but getting error message advising unable to display details for the account. Also tried for the full statement and still getting the same problems. Has anyone else had a problem today. Thanks,
Abbey Santander Daily Interest Payments
Guys for the past month or so I've been getting strange "INTEREST ADDED AFTER 0.00 TAX DEDUCTED" credits into my bank account...All under 10p each but all random numbers and all seemingly on a daily basis. Last month (up to 29th Oct payday) it came to 71p and this month (from my payday onwards not calendar month) it's…
Any good new joint account offers?
Good morning all, Just a quickie. Does anyone know of any good offers around at the moment for setting up a new joint current account? I bank with First Direct and my wife banks with Santander, and we're open to any bank with an inticing deal! Cheers
HSBC student accounts?
Hello, could do with some advice about my HSBC student account. I opened it when I started uni (about 6 years ago) to get the interest free overdraft, and was told it would be interest free for (I think) five years after I graduate but the limit would decrease each year. I have been very good at paying off a small amount…
Barclays closed my caccounts!
My husband is a non eu and opened a bank account where he had savings and a current account. He tried to vet money out yesterday and wasn't able to; he rang telephone banking and they said he was sent a letter to an address he is no longer present at( he didn't leave a corresponding address either) they can't say why just…
Lloyds Internet Banking- Where's my credit card account gone?
Hello there, I have a Lloyds credit card which I have had for a while now, just barely paying the minimum payment, I finally faced up to the fact its got to be paid and cleared a fair amount of the money I owed. I hadnt used the credit card for a good year or so and didnt even realise it was out of date (it ran out in 09)…
The Best Credit/Debit Card Design (POLL)
Just vote for the best card design :) I like the Green Lloyds TSB 2012 Visa Card :T
Anyone know about a flow limit (or similar)?
Hello all Earlier today, brought some train tickets then account balance went to -£5.22 and i have no overdraft limit Called bank up and they said its to do with the London Midland flow limit Anyone can clarify on that? I heard its something about the retailer not needing to authorise funds etc
Transfer money missing
I have had my transfer money go missing from Natwest. The transfer was done from Natwest to Natwest. What is the prodcedure here? The transfer was done 7 days ago. Cheers
Nationwide to make use of card reader mandatory for online access
Just seen while logging into my Nationwide account a message that from Dec 2010, the use of card reader to login will be phased in. The blurb says that initially one will be able to log in as now but it will then become mandatory to use the card reader. The move is touted to improve security and also also make it more…

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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
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Budgeting & bank accounts

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