Budgeting & bank accounts

Archives for September 2011

Money Saving Champion
If there was a Money Saving award I would like to be nominated as I believe it have done pretty well in the following areas: Sky TV (4 mix) half price for 1 year £11.25 a month BT Line rental saver plus free E&W calls for £10 a month Broadband o2 Legacy Package (unlimited) £4.39 a month T-Mobile x2 Sim only: 600mins,…
New Lloyds card - Pin services
Hi there, My lloyds tsb debit card got damaged and they are sending me a new card (Same pin as before and everything. Current card still works online for 30 days). Will I need to go to a cashpoint and unlock pin like I did with my original card or will it just work?
Halifax Online - Add Account ?
Hi all, I've been with Halifax for quite some time, always found the Online Banking excellent however now due to merging with Lloyds TSB banking systems they have obviously changed it to be much more simplistic as opposed to the old version. I'd like to add my sons "Kids Regular Saver" onto my Halifax Online service so…
Money Transfer from abroad
Hello, I have been asked by somebody in Greece what would be the cheapest (yest safe) method for transferring a certain amount of Euros (between 5K and 10K) to a UK bank account. I assume that the charges for doing this through a Greek bank would be substantial. Any ideas? Many thanks.
paying in euros?
does anybody know if you can pay in unspent holiday euro into a standard nat west current account? and also would i be wise to do so.i have about 90 euros in notes and another 20 in coins. would they even be likely to take the coins thanks all
halifax paying in on a saturday.
hi me and hubby wants to buy concert tickets ..but him being silly took all the money out today. If i put the money back in tomorrow morning will i be able to pay for the tickets tomorrow? don't know with it being saturday if it changes anything. thankyou
Barcalys chaps operation failure
Hello All, On the 27th of this month i walked into the local Barclay branch to make a Chaps payment from my personal account to my spouse account in HSBC (All accounts are local). All details required for Chaps payment were filled correctly and as a proof a print out has been issued by the teller with payment reference…
Santander process for tax free interest Shocking !!!!!
So had a bit of money spare and thought why not put a in a fixed rate bond. Not paying tax at the moment so eligible for tax free interest. Went in branch to open it, spoke both to the manager and the guy who would open it, about how I register for tax free interest. Was told it is just a tick in a box, no forms ,easy.…
Experian (Alias)
Hello Everyone, Could anyone tell me by having an alias on your credit filen does it have any adverse effect on my credit worthiness when making an application for credit or will lenders think im dodgy because my name is in various formats.
Closed bank accounts and data retention - what are the facts?
This morning I had the oddest experience at the bank, and I'm not sure if i was being unreasonable, or not! Basically, husband and I have a joint account that I've been meaning to close for years; done. After closing it as a passing remark to the cashier as I got my receipt, I asked if they would remove most of the data…
Transferring money from Dutch account to UK account
I'm currently working temporarily in the Netherlands (for 2 years) and getting paid into a Dutch bank account (RaboBank). I've still got all my current/savings accounts in the UK and I'd like to start moving my money from my Dutch account to UK one. What's the best way to do this? A straight international bank transfer…
Bank fees - Santander??
Hi all, I setup an account for paypal use with the aforementioned bank. I keep topping it up. I went over drawn by £2.23. Then I see £40 worth of unagreed overdraft fees (£5 daliy rate) and today I get a £25 unpaid item fee for them having agreed to pay my £2.23. Just below their fee is interest after tax payment of £0.18p…
USA to UK Current Account
Hi I have a friend who has dual residency and had ood credit rating in the USA. He has moved to the UK, has got himself a job which starts next week. The problem he has (even though he has savings in his dads acct) is trying to open a bank account for his salary to go into Can anyone recommend a bank account or how he can…
Nationwide systems useless
OH is constantly being chased by Nationwide. Despite paying by direct bank transfer (Nationwide to Nationwide) and talking to them by phone only last night they keep telephoning during the day. Every time they call I tell them he is at work & to phone after 7.30pm, yet next day the phone rings again. :mad: The last person…
Santander Daily limit from ATM abroad
I am presently on holiday in Europe. Does anyone know what the daily limit is in Sterling equivalent for withdrawing euros from an ATM? I have an Alliance and Leicester VISA debit card.
Halifax ISA shows 0% interest rate
Have any other Halifax ISA account holders noticed the rate shown in online banking is 0% or is it just mine? It should be 3.2%, or at least it was last time I checked a month ago.
writing chqs
I recently wrote a chq for £200 as a wedding gift and found that HSBC had debited my account for 200.83. Perplexed I rang HSBC as to how this could happen and where had my 83 pence gone. First person I spoke to agreed that she could see I had written a chq for £200 only (in the writing bit) and passed me on to someone else…
*US* Basic account holders charged for Debit Card use.
Story from the US, however how long before we see this thinking applied to UK basic bank accounts? http://finance.yahoo.com/news/More-bad-news-for-bank-apf-1381425092.html?x=0&sec=topStories&pos=main&asset=&ccode=
Santander Cash Back Current Accounts
Does anyone have any experience of the Santander cash back accounts? I've had a letter saying that as I have a mortgage with them I am entitled to £200 cash back if I switch my current account to them... sounds tempting:beer: But you have to set it up through their change over system and I don't want to close my Lloyds…
Phishing Scam e mails
I feel banks should tackle this issue.

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MSE News

Octopus Energy buys Shell Energy UK – here's what you need to know
Octopus Energy has agreed a deal to buy Shell Energy which, if approved, will see Shell’s 1.4 million energy customers and 500,000 broadband customers moved to Octopus.
Have yourself a MoneySaving Christmas… starting with the best way to bag a cheap, sustainable Christmas jumper from only £3
Jumpers are for life, not just for Christmas, but most of us only wear our most garish festive get-up for one or two days a year, and then feel pressure to buy a new one the following year. That's neither sustainable nor MoneySaving, so what can we do about it? I have a few ideas...
More Than to stop selling car insurance policies – here's what it means for your cover
More Than car insurance customers on auto-renewal should look out for a letter explaining they'll be switched to Swinton Insurance, after More Than announced it was pulling out of the market. If you want to opt out of the switch, you'll need to do this before the end of your current policy – or risk having to pay a cancellation fee of up to £50.
more than car insurance swinton
More Than car insurance customers on auto-renewal should look out for a letter explaining they'll be switched to Swinton Insurance, after More Than announced it was pulling out of the market. If you want to opt out of the switch, you'll need to do this before the end of your current policy – or risk having to pay a cancellation fee of up to £50.
New scam ad protection measures to be introduced by Facebook, Google and more – changes Martin Lewis has long called for
New scam ad protection measures, such as two-click reporting and verification for advertisers, are to be introduced by major tech firms, including Amazon, Facebook and more.
Bank of Scotland, Halifax and Lloyds to close 276 branches in 2023/24 – here's the full list, plus alternatives
Bank of Scotland, Halifax and Lloyds, which are all part of the Lloyds Banking Group, will shut at least 276 of their bank branches in 2023 and 2024 after Lloyds announced a further 45 closures today (Wednesday 29 November).
'Unpredictable' broadband and mobile price hikes should be banned, say Which? and Citizens Advice
Broadband and mobile firms should be banned from hitting their customers with unpredictable mid-contract price hikes, consumer group Which? and charity Citizens Advice have said.
Martin Lewis: Do you have a Power of Attorney? It’s crucial protection – not just for the elderly – and more important than a will
Do you have a Power of Attorney? MoneySavingExpert.com founder Martin Lewis explains how this crucial protection works, why it's more important than a will, and how to get one in the latest episode of ITV's The Martin Lewis Money Show Live.
Second cost of living payment paid to millions – here's who qualifies and what to do if you haven't got yours
More than eight million households on certain benefits and Tax Credits have now received the second third of their £900 cost of living payment.

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