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A safe amount to keep in your bank?
Iv been saving like mad since buying a house last year as a buffer should either of us lose our jobs. Just wondering how much would you feel comfortable having in your bank account. I have saved 10k in a year and now feel a little more relaxed about owning a home. Should i continue saving further or invest any more savings…
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Anyone know of a good foreign exchange company?
I need to transfer £32,000 to France in Euros at the best exchange rate available (which I know the banks don't offer). I used Moneycorp last year and I wasn't very happy with their customer service. Has anyone had a good experience with another company?
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Can a BACS salary payment take more than 3 days sometimes?
My partner started a new job in May and his employer doesn't give a date that he will be paid. They say that it will be within a few days of the first of the month so I would assume that they action the payments on the first. I have found out that BACs payments are supposed to take 3 days and with the June pay it was the…
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Natwest overdraft charges
I just got a overdraft of £200 but i'm confused about the charges?? I know i go over the overdraft limit i get charged quite alot but what about the charges that i have when i just borrow within the limit? any help would be great!
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Instant Payment Failed!
I tried to send an instant payment via coop business account to HMRC for self assessment end of July payment. Seemed to go through but when checked five days later showed failed. coop advisor said HMRC had changed their bank and now didnt accept instant payments which stay in the system up to two hours til they show as…
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Debit Card Spending limit
I was wondering if there are any max spending limits. Ie. Can't spend more than £1000 on a transaction on the debit card? (Assuming Money is in the account ofcourse) Is there anything like this or will the payment just go through?
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Mother was wrong. Social services are devils!
All my life (I am 55) my mother, a senior accountnt for ICI in her youth drilled into me her three golden rules: 1) Nice people do not talk about money - they employ others to do that. 2)Neither a borrower or a lender be. 3) Four things which are totally shameful and 'nice people' would NEVER EVER HAVE: a) A Loan b) A…
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New First Direct Website
I see that First Direct are showing off a potential new website at their First Direct Labs website. Sadly they have confirmed that there will be no improvements to their Internet Banking :-( .
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Contract Monthly Reduction Phone call
Has anyone phoned up a company on a contract informing them that you can't afford the current price and wish to lower it, Im wanting to do this with my Mobile Phone company but im a little lost on what to say or expect. I can 'just afford it' but I feel about £2/3 on food a day is a bit low, i'm very tempted to make the…
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Council Tax Question (On benefits) ?
I share this flat with another person who is in full time work. I am wondering if I should be paying council tax or not? As it stands we get 25% off because of me. And I have come to an agreement to pay the other 25%. But is the intention of job seekers and housing benef it to cover this 25%? Just curious as again this may…
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Changing Bank Address
Hi, i've recently moved house from Wales to Lincolnshire, and i was wondering if it was more beneficial to change bank address to the local branch or to just leave it at the original branch in Wales. Many thanks..
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What time is it Mr Wolf
Hello, I was wondering if anyone could help me with a question? Yesterday the first of the month, I had direct debits going out of my bank account, (flex account)to pay my bills but I had forgot that my quarterly TV licence direct debit was also due out which left me sort by £21.00, so I shot to the bank to add more funds…
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Post Office gave me too much money
Got a wee issue and need some advice on. Went to post office for salary cash for my staff and withdrew money, the teller gave me £1000 more than i requested and £1000 more than was on my reciept. Now do i hold on to the cash or return it? I have a fair idea what i'm gonna do but was looking to see if anyone had been in…
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Santander 11 to 15 Youth
I want to get my son a Santander 11 to 15 youth plus account(I'm already with santander). Part of the site says he'll get a cash card for cash machines and and part says a visa debit card. I'm confused if he'll be able to buy thing with his card. Will he?
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Ex-employer delving into my bank account
Hi, I've been sent here from the employment board as we seemed to have pretty much exhausted that side of things (Thread: https://forums.moneysavingexpert.com/discussion/3390696) Essentially, I left working for Santander on the 4th of last month. I hadn't worked the full notice, but Santander were not worried by this. I…
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Bank gave me too much money...
This isnt your usual, theyve given me too much money than what ive asked for. Basically i called into a Barclays branch to take some money out of my savings account to buy a car. Went in, asked for £1800 which they gave me and i walked out. Bought the car and off i went. About half hour later i get a call saying they…
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Paid by cheque but no bank account
My 74 year old father-in-law has just received a cheque for a small policy he has been paying for the last 10 years. He has no bank account and had been giving the money to my mother-in-law to pay for him every month. My husband has contacted the firm to tell them this, and was told the only way to sort it out was for my…
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Airmiles/Rewards for Card Payments
Hello, I am a Visa Debit Card holder with Barclays and it's the only card I own. I try my hardest to remain in credit without unnecessarily taking on extra cards, overdrafts or loans. However, every week I spend almost a hundred pounds on train fares and I'm wondering if there's a card I can use that will reward me…
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Paying for someone elses Home Ins
Hi This is my first post on here and any help would be greatly appreciated. I m not sure if it is the correct section. I discovered yesterday while sorting out my account that two amounts where being taken out each month for one home insurance policy. I phoned halifax (who the home ins policy is with) expecting a simple…
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First Direct
Hi everyone, Just wondering if anyone had any experience of first direct's current account. I currently bank with lloyds and am a bit miffed at the moment as they have charged me £5 for going £50 into my £2000 arranged overdraft for one day. I rang them today and they said it is now standard practice to charge £5 per month…
