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My Halifax Easycash account has changed
I've just logged into my Halifax online banking to find my Easycash account seems to have been converted to a Bank Account with Visa debit?! I haven't requested a change as I like my Visa Electron. Has anyone else experienced this recently? I think I need to call the telephone banking team and try and find out what is…
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5 year bond - scam?
I'm looking into opening a 5 year bond at 4.5% from Scottish Widows. Someone told me that I won't be getting 4.5% each year, for 5 years, but instead I'll be getting a total of 4.5% over the 5 year period (i.e. around 0.9% each year). Is this true (of this, or any other bond from any bank)? If yes, sounds a little 'scammy'…
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Santander Faster Payments
For my sins I have a Santander account. I only keep it because it's an old A&L premier which comes with free travel insurance. It drives me crazy that the faster payment system seems to be so hit and miss ONLY with Santander. Even payments of £300 or lower sometimes go through and sometimes don't. Last week I made a £300…
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Why do you need so many current a/c ?
In some occasions when you try to open a new Bank A/C the bank is ‘expecting’ you to make your new current a/c as a main account. Learning from this forum and having done it by myself, I am aware that the main purpose people have many bank a/c is just to take advantage of the offer such as switching incentive of £100/£50,…
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£50 sign up bonus for Halifax. No sign of it...
Hi, Has anyone took up the offer Halifax has for their Reward Current Account? I saw this offer on Money Saving Expert and, as I don't use an overdraft or go into the red it seemed like a good deal... plus you get £5 just for getting your wages paid in to the account each month. Furthermore you supposedly got £50 for…
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Santander-Current account overdraft charge 50p per day.
I have just had a letter from my bank - Santander - saying that they are going to charge me 50p per day for going into my overdraft, it used to be a %age which would work out to 50p a month :mad:. I Know this in fact their money im using, but I just feel like the banks are finding another way to scrape a bit more money…
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Paid a cheque in using ATM deposit facility
Paid a DVLA cheque in to my local Halifax branch ATM machine on Thursday. Got a deposit receipt (which I have now lost) and then took £30 cash out with a withdrawal receipt (now lost too). The transaction for the cash has shown on my statement but there is no entry or balance change for the cheque. I have tried calling the…
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680 Unauthorised Payments
I placed an order for some mini plants from Sutton Seeds on Wednesday, the order total came to 90p, I paid with a Visa debit card linked to my A&L current account. On Thursday evening I received an email from Sutton's confirming that I'd ordered one set of plants at 90 pence. Between Wednesday evening and first thing…
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Having many Bank a/c and Credit Rating
Does in possession of many bank a/c will damage your credit rating. Let say someone has 15 Bank a/c, coould this reduce his credit rating ?
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Accountants letter?im self employed
Hi everyone, I am just a bit worried. I am self employed music teacher - declare all my lessons and have have just had my books done. Accountants asking me in "for a word" saying we are worried about disposable income? Should I be worried? Obviously I cant get into figures but basically I put all lessons I take through the…
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Basic bank account
I was declared bankrupt early last year and then discharged December 2010. I wrote to main 3 credit reference agaencies to have my credit file ammended to show this. I have applied for a rbs basic account - rejected, co-op cashminder - rejected, natwest step account given them my discharge from bankrupcy letter i got from…
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What would your bank do?
Due to some bad luck and a bit of a !!!! up on my part a funds transfer (via faster payments set up in advance) into my current account and a credit card direct debit request missed each other by an unknown number of hours or minutes and the bank refused the DD which would have exceeded the agreed overdraft limit by about…
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Tax on interest
As far as I understand it, if your income is below the threshold, you don't pay any tax on interest income. The £5 Halifax reward is £6.25 gross - does this not mean you should be getting the £6.25 if you are below the threshold? I can't remember if Halifax set a rule at a minimum level of income - and that rule was above…
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Bank vultures
Edited by the author.
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Fraudulent transactions! :(
I was out of the country for 6weeks in january, i was still employed and was still recieveing 8 weeks worth of wages as i was getting paid twice when i was on holiday. The day i land, i need to withdraw money as i needed to add call time to my phone. But my card got declined. So i check my balance and i see that i have…
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Money taken from account 6/5, transaction 29/4, not authorised!!!
Hi first post on here looking for some guidance. I checked my bank balance yesterday 5/5, to find out a considerable sum of money had been taken from it (£400 +). I checked my online statement and everything was in order apart from the sum of money being taken. I went into my local barclays today 6/5, i asked the cashier…
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Ex opened accounts in my name
Hi, A friend of mine has recently split from their partner. This partner had a lot of debt. It now turns out that most of the debt was in my friends name with cards/loans opened over the internet. Obviously the partner knew all the DOB etc and had access to copies of passports. So the ex opened accounts in my friends name…
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Barclays 'Cleared Funds' handling - Is it legal?
There are two different scenarios that both work in Barclays favour when it comes to paying money in. ‘Cleared funds’ and ‘Account Debits and Credits’ Firstly, Barclays terms and conditions say: “Cleared funds and cut-off times in Online Banking. If you deposit cash at a branch after 3.30pm-4pm, the funds will appear on…
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Card Authorisation
Hi I'm buying a used car from a dealer (£2195) and I placed a deposit on it last week (£200). The deposit has been taken from my account absolutely fine with no problems. The dealer was sorting some bits out (MOT, Tax etc.) so I went to pay for it yesterday and used my HSBC Visa debit card. I was paying £1995 on my card…
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Moving direct debits
Hello Quick question which I wonder if anyone has the answer to.... Can a bank move direct debits for you or do you need to contact the actual company? Specifically I'm thinking of moving both mine and my husbands direct debits (to pay for things like car insurance) from our sole accounts over to our joint account. For…
