Budgeting & bank accounts

Archives for April 2011

Can a bankers draft be cancelled?
A relative has paid for some windows to be fitted via a bankers draft. Long story short, the windows are in but heavily damaged. The company has been contacted but is refusing to help. No part of the payment was put on a credit card. :( A] Is there some method by which my relatives can withhold payment until the work is…
RBS - no FPs this evening?
Not had problems before but unable to send FPs this evening. Simply offers 3 May as first available date for payments out.
Halifax overdraft charges are crippling me
I've had a £1000 overdraft with Halifax for years, gradually got further and further into it until I basically accepted I was going to be in it for the foreseeable! The charges are £1 a day for being in it, but if I go over the agreed £1000 limit I get charged £5 a day. After redundancy, then a heart infection putting me…
Cashing cheques
Hello I don't know anything about cashing cheques and I need to know if you can cash a cheque at a bank where you don't have an account with anymore My friend who needs to know this, used to have a credit card with the same bank. he closed the account years ago as he had moved abroad and was paying off the balance with my…
Club account & CCJ help please
I am treasurer of a local club and until recently we had a Halifax Treasurers Account. They no longer do these and forced closure. However as I have a CCJ getting an account is problematical to say the least. Even though we require two signatures to draw money out my CCJ is causing a problem opening a new account. All we…
money mispaid into my business account
I have a small business and about 2 months ago Barclays made 2 payments into my account totalling about £600, that I queried at the time as I thought them incorrect, and was told it was all in order. I have had a phone call today to say that it was an error and I have to pay the money back. Can someone advise if this is…
Business bank accounts and IVA
My dad has been made redundant and is setting up his own business. He went to open a business bank account with HSBC however was refused due to being in yr 5 or a 6 yr IVA. Will this be the same with every bank? If so does anyone have any advice, as personal account Ts & Cs say not for business use.
Alliance and Leicester Change to Overdraft Charges?
We have an A&L (Santander) Premier Direct account, the overdraft charges were always 50p a day up to £5 a month. This month they're changing us £8.50. Have they changed their charges recently? I don't recall getting a new T&Cs booklet recently so a bit baffled! The overdraft was the only reason we haven't switched for them…
Credit score preventing upgrade from basic bank account
I moved to the UK from Ireland three years ago At that time I didn't have a permanent address and therefore opted to open a basic bank account with HSBC which gave me a cash card for withdrawing cash at ATM's and gave me access to online banking I have tried to upgrade this account to a debit card type account etc on three…
Direct bank transfer - are there any pitfalls?
I hope someone can advise. I sold our car yesterday . On the ad I said cash on collection ,but as it's a lot of money,the buyer wants to transfer the money direct into our account. (Halifax - Nationwide) We don't do internet banking and I'm not very clued up about these things. In some ways it seems safer,but as he wants…
Co Op Online Banking?
Is anyone else having problems logging on? I could log on fine last night but now it just keeps 'timing out' Thanks J :j
Barclays Online Banking down?
Just wondering is anyone else is having problems getting on to Barclays online banking this morning? No messages on their website saying it's down, but can't even get login page to show. Would appreciate it if someone else could confirm so i know it's not jut me. Thanks, Stu
Santander? GRRR!
Wages not in my account, contacted the bank, advised they are having problems with BACS, great! Have been advised that charges will be raised for DD's that have bounced and then refunded. Does this mean I will be charged and then refunded or will they remove the charges and not try and take anything out?
question about bank account
Hi There, Quick question (ish) if any one could possibly help. So i used to have an overdraft with HSBC for £600, when my business went down the drain that was maxed out and then went over to like £880 in total because of charges etc, i also had another account with the same bank that i managed to clear with them despite…
Anyone having trouble with HSBC online this morning?
I just tried to transfer a large (for me) sum of money from one HSBC account to another HSBC account and my computer just hung there. Got out of it and checked and it looks like the transaction did not go through. But I don't want to try it again because if I make the transfer twice, I will be way over my authorised…
Current accounts after going to live abroad
Have heard different tale from friends in NZ & elsewhere about whether or not you're allowed to keep (using) current accounts with UK financial institutions. Anybody know which banks force you to close the account?Is it just building societies that make you do that? Can't find definitive answer to this after googling.…
Credit Union Statements
I have an account with a credit union but getting an up to date balance from them always takes several emails and phone calls. Do credit unions have to provide regular statements to their savers? I only get a statement when I ask for it repeatedly, otherwise I never know how much I have got in there. I have just been told…
US dollar account?
Hi all, I am new to the site so I hope I have posted this in the right section. I live in the UK and I want to open a US dollar bank account. I know I can do this while I am in the US but I want to open one before I go at christmas so I can pay money in and use while I am away. I know that citi bank offers and US account…
Turned down by Co-Op despite Excellent credit score
Hi I recently applied for a Co-Op bank current account, but they wrote to me and said that "after careful consideration we are unable to open the account(s) that you have requested". They go on to say their "decision is based on information provided by one or more credit reference agencies...the information which resulted…
UNPAID S/O yet account had funds
Yesterday I received a letter from Santander to say a S/O of £80.00 had gone unpaid due to lack of funds. I went online checked the account and I had £150.00 in the account the day before, the day it was due and the day after. I have also noticed they have set a £25.00 fee for this and a £10.00 fee for going overdrawn. I…

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Budgeting & bank accounts

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