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Budgeting & bank accounts

Archives for November 2010

How long should I keep bank statements for?
Hi everyone, How long would you recommend keeping bank statements for? I really need to declutter and have a couple of files worth of statements, mostly for a current account. I'm not sure if the following has any bearing on this but my finances are quite simple and I'm not self-employed. Last year I reclaimed tax going…
Santander - !!! - downgrade Internet Banking
Since Santander moved my A&L accounts onto their system, a fundamental change in the way the formerly A&L Internet Banking system operates has come to light which all former A&L account holders need to be aware of. It started when the bonus rate on my A&L eSaver expired, so (as usual each year - sigh!) I had to jump…
HSBC Faster Payments?
I've just tried to send a payment from an HSBC bank account via internet banking, and got the following message: The money is in the bank account, and is going to a Halifax account. I've done this since last year, and the payment has always gone through instantly - I can send the payment, log out of HSBC internet banking…
Co-op cashminder visa debit,is it worth changing
I too have a similar issue in that my co-op visa debit is still being classed as electron in some retail/on line outlets. I spoke to co-op who indeed said that they had simply rebadged the card to visa debit BUT then went on to say they kept the same BIN 4508 which still in some cases comes up as electron. They said it was…
Needing a business account i'm a bit worried about it...
Okay , i've just moved house after living at my past address for 15 years , its my house and mortgage free , currently letting the property out , all is well. Anyway i've lived at my current address for around 1 month (just about to go on the electoral roll on December the 1st) i applied for a 30 day rolling contract…
Co-op privilege premier bank account - problems
Hi all As 'advertised' on MSE, I was impressed with this offer from Co-op - so much so I opened one. But the hassles I have been getting! Co-op told me they would handle the switching of all the regular payments going into and out of the account. As Alliance and Leicester had done a similar exercise a few years ago with no…
Mysterious Santander Direct Debit
I'm wondering if anyone has come across this. Both my wife and myself have had seperate direct debits appear on our seperate First Direct current accounts. Neither of us have any store cards/ credit cards or anything else with Santander or the companies they provide finance for. The DD had Santander cards against it if…
Very quick answer needed!
Hi I have a client who is 17 years old, and only has a birth certicate as ID. He urgently needs to open a basic bank account and was wondering which banks would open one with minimal ID? Thanks in advance for your help.. Lo
Natwest Identification
Hi, i am applying for a natwest account and i hae recieved the application pack through the post. i have looked at the identification requirements for opening my account and i do not have all the things required. i do have my Birth Certificate but that is only accepted for people under 20, i have a Notification letter from…
Speaking to HSBC by phone
I have had a very frustrating morning and I am still not assured that I have the correct answer to my problem. Wondered if anyone can help. Is there any way that I can speak to a call centre here in Britain or, better still, direct to my branch. I tracked down a branch number by going through as if it was a new account but…
X Partner and joint account
Many, Many years ago my x and I had a joint LTSB account where my salary was paid etc.... and since we finished (7 Years ago) basically I still use that account as my own... We still have contact because of our kids; but other then that. NOTHING... ( He's an !!!! ;) ) I now need to change that account and just have sole…
Year Abroad Bank Accounts
Howdy! Long time reader, first time poster here with what might be a bit of a toughie. I am heading abroad on the 13th January with my other half to start a year in Canada. I have saved a fair bit of money for this adventure, but unfortunately I have no idea where to put it! There are so many options out there and I am…
Bank Of Scotland Rewards Account
Hi Just a quick one does anyone know how you switch a standard BOS current account to rewards, I have the option online to go for the ultimate rewards account but i would just like the standard one without all the insurances etc. Thanks
why is my account closed
I have had a bank accounts with barclays for over a year. I have an overdraft and have kept a good account paying direct debits and have not gone overdrawn. Two weeks ago I saw the personal banker to open serparate account for my bills to come out of.. The personal banker agreed my bank account had been run well and…
Can a UK citizen open a UK bank account while abroad?
Hi, Are there any banks or building societies that allow you to open an account with them even though you're outside the UK, travelling say, like me...? Thanks.
I don't get it? Bank turned me down (Santandar at that!)
I applied for a business bank account with them and today they've turned me down. They are sending a letter but the chap on the phone advised me to check my credit report. I've just registered with Experian and looked and I don't get it -everything is 'green' there are no outstanding payments or even late payments. What…
I'm a beginner -Natwest Advantage Blue HELPPP.
Hello. I'm new here. I currently have a current account with HSBC. Looking for an account with more benefits. Stumbled across the Natwest Advatnage Blue. Can I simply do this: w. w. w. natwest.com/apply.ashx?NC/PER-CA-CPLUS And go right ahead, transferring all my £'s from HSBC to Natwest? Or will I have to go instore.…
Unknown account debit-anyone know what this is?
£38 debit from my account today from "Friends Reunited" ?? Haven't been on this website for years and when looking at the site it says it is free to use anyway. Any ideas what this is?
LTSB Online Banking - Standing Orders
Hi Does anyone know what time of day a standing order is paid out? I set one up yesterday to be paid today but nothing seems to have happened and my available balance is the same...:undecided The recipient also has a LTSB account btw. Thanks
Debit card for a 14 yr old
My brother is always asking me to buy things for him on the internet and he's aksed if I can look into getting him a debit card so he can get his own stuff. I think it will be a good way of teaching him about money, bank accounts etc I wondered if anyone had any recommendations or anything I need to consider, he's 14 (15…

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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
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Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
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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
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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
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Applied for South West Trains 'boundary fares' compensation? Act now to claim it
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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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