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Budgeting & bank accounts

Archives for March 2011

Can I leave NatWest?
I have a graduate account with NatWest but recently received some poor service and would like to switch to another bank. However, I have the NatWest "College of Law" loan and it states the following: (emphasis added by me) If I choose to leave NatWest will I be forced to repay my loan immediately? Thanks.
Barclays accounts closed
Hi I assist asylum-seekers and refugees. One of my clients, who has been given refugee status, had her cards swallowed by the ATM on a Saturday evening. She went to the branch on Monday, and was handed a copy of a letter dated that Saturday giving formal notice that her accounts would be closed after 14 days, saying they…
help need money but locked in am desparate
hi can anyone give us some advice my daughter and her boyfriend are buying a house, he went to get his money out and they said it was locked in until july he did have it locked in for a year and when that finished they said they wrote to him and as he did not get back in touch they locked it in for another year they need…
Money sent to incorrect account
Hi I am looking for advice on regulations. I am owed £600 and unfortuntely gave three people an incorrect sort-code (I have accounts with two Barclays sort-codes and gave the wrong one!). £450 has gone into someone elses account. Barclays have written to this person and they have not responded. Barclays told me that is all…
Intelligent Finance > Halifax
Does anyone know if a transfer from an Intelligent Finance savings account to a halifax current account is an immediate internal transfer or done through BACS? :)
Nationwide online and card reader sign on
I was sent a card reader through the post so I can use it with the internet bank. How does the security work when I use this (and my debit card) to sign on? When I sign on I do the following: (1) Insert card, press Identify and enter my pin (2) Enter the response code displayed into the website Does the code at (2) ever…
HSBC - Change of address?
So I have an account with HSBC, we've just moved house, and I cannot find any information anywhere on their site or in Google at all about how to change my address with them. I'm reasonably sure there's no option for it in my internet banking thing. Surely there's a form someone knows about that I can print out and send…
Sent funds to wrong account
Hi All, Hoping for some advice, this morning i rang my bank (co-operative) to send funds to a relatives account, they bank with Santander. I sent £300 via bacs but i got a digit incorrect out of the account number. Is their anyway I can retain this cash?
Advice please: Santander - a comedy of errors
Dear all, Apologies in advance for a very long post, but I am at my wits end and need somewhere to vent my frustration. I am a Santander account holder, and have been a customer for over 10 years. Over the last month I have been messed around by so many people so many times that I am ready to explode. Let me start from the…
Halifax Student Overdraft Coming to an End.
First of all, sorry if this is in the wrong place but I am basically looking to know what I can expect when this comes to an end in June. I currently owe about £900 interest free to Halifax but I haven't had stable employment for a long time. At the moment I am currently working part time 20 hours a week and unless I take…
Best Account for Overseas Transactions
I am looking for the perfect bank account which would offer the following 1) No criteria (min £500 per month etc.) for opening a current account as ideally I do not want to move everything from my current bank as I have been with them for many years. 2) Debit card for competitive overseas transactions as Nationwide used to…
Alliance & Leicester Phishing Site Beware!
I always search google to quickly get to Alliance and Leicester website. Today, at the top of my search result was a phishing: http://www.alilance-ilcester .net (I've purposely put a space in it to stop it creating a valid hyper-link) The site looks almost identical to the legitimate site. What's more worrying is that it…
Faster Payments??....only when we feel like it!!
Ok...I've just tried to send some money from a Co-op account to an HSBC account. Its a payment I make regularly and has always gone via the faster payments service. This evening however I sent £100 from Co-op to HSBC using Co-op online funds transfer and the money left Co-op instantly but did not arrive at HSBC. Co-op…
My student daughter cannot get a student account!
Any advice please?. My daughter had a gap year and worked before uni. She is now in her second year, and penniless...aren't all students?!. She decided to apply for a student account and overdraft to help her and was declined by Nat West and halifax. Further research via Experian, shows she has a poor credit rating, as she…
lodged money now its disappered
Hi i recently opened 2 regular saver accounts for my kids with the Halifax. Once i got the paper work sent out i called to the branch on monday and completed all the paper work and lodged 25 into each account. Now in halifax branches they have like a welcome point where you go to do things like that. well the girl there…
Recalling WTC payment
Hi all. My Working Tax Credit is due on Friday. I'm in dispute with my bank and am in the process of changing banks. It will get swallowed if it is received. Appreciate you can insist on them giving it me as it's a benefit but i'd rather not go there. I've asked HMRC to recall the payment however they say they can't. I was…
yorkshire bank having a laff
My wife got a letter this morning saying that a direct debit had not gone out because of insufficient funds and has been charged £35 . after checking her account online it turns out she was 44p short .is it worth appealing to the bank for a refund of the £35.any suggestions would be welcome.
transferring money into the UK from the states
Hi Money peeps Not sure if this is the right place to post this but hey ho. I have sold some artwork to the states and they are going to pay me in dollars - does anyone know the best and most cost effective way to transfer $ to £? thanks for reading! Cheers Tombfunky
NatWest Purple (Servicecard) Eligibility
Hi folks, I have just moved from Lloyds TSB to NatWest as they would not give me a cheque book and had a full-auth Visa Debit card which again they would not budge with. They see both as a credit product and I simply was not worthy for these, fair enough not much I can do about it I guess... Anyways with NatWest now and…
MSE News: Barclays tops banking complaints league table
This is the discussion thread for the following MSE News Story: "Figures from the FSA show the giant received the most official gripes of any bank during the second half of 2010" ..." Read the full story: Barclays tops banking complaints league table

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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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