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Budgeting & bank accounts

Archives for January 2012

Lloyds
Hello Does anyone happen to know if you have a account with Halifax or bank of Scotland whether or not if you apply at Lloyds whether they treat you as a whole new customer. I can login to either Halifax or bos and apply for new accounts in 2 steps but I fancy a Lloyds one however would rather avoid a search if I can…
Free android app?
I downloaded an app for keeping my budget in order and updating everything I spend. It would be great, except there is no way to set my bills as being paid by Direct Debit. Every morning I wake up to a reminder about an upcoming bill or an overdue one, and now it's useless! If I have £50 in my account, I'd like to be able…
Calculating Income Tax
Before I make a muppet out of myself by asking obvious questions at work tomorrow I thought I'd ask on here... To calculate how much income tax you think you should have paid on your wages at this point in time, is it as simple as: Gross Pay TD - £7475 (personal allowance, not tax liable) = X X is now the portion liable to…
Nationwide FlexAccount and "free" travel insurance.
I have a Nationwide FrexAccount which I hardly use as I only opened it for the free money withdrawal while abroad. If I now start putting £750 a month in it will I become elegible for the "free" travel insurance or will I have to use it as my main account and start paying my pension into it and have a direct debit coming…
Santander Preferred Account cashback questions
I am looking at applying for a Santander Preferred Account for the cashback and 5% interest up to £2500. I have a few questions: 1. If I have a part-time job, am I able to list myself as 'Employed'? 2. The application form asks whether or not I am currently a Santander customer. I have savings accounts with them, but I…
Why can't a customer be told a banks approval criteria?
My brother has been refused a first direct 1st account & an eSaver account. He's 19, earns about 16.5k, no debt. 1 credit card which is paid off in full. I'm 28, earn about 18k, no debt, 2 or 3 credit cards paid off in full, various bank accounts. I was accepted no bother. The "apologies" letter he received says that they…
NW Flexaccount - dodgy statement archive?
Does anybody else find the archive unreliable? Before they changed the website it seemed to be fine. Since then I find I sometimes can't download statements. This afternoon I was trying to download my statements from 2011. I can only download March, November and December. For other months it gives and error "The statement…
Warning: Applying for a bank account and deciding not to go ahead affects your rating
Unbelievable! Just discovered that applying for a bank account (First Direct special offer via MSE) and decided not to proceed (the overdraft offered wasnt as big as my current account) counts as a negative score against my credit rating with Experian. First application FD offered me £2500 OD. Declined the offer, spoke to…
Budgeting with Orange prepaid card
Hi all, I just found this exclusive offer in Compareprepaid.co.uk and I thought it might be worth to share it with those willing to save some money and budgeting: Orange prepaid card is offering cash conscious consumers when they apply for an Orange Cash card a refund on their £5 application fee when they load £20 onto…
Tell First Direct you want an Android app!
First Direct has an iPhone app but are not even working on one for Android, even though they said earlier they would "focus on Android in 2011". There is another thread on this in the Techie forum, but since many bank customers may not look there I am appealing for anyone who banks with FD and has an Android phone to send…
Will partners poor credit effect mine?
My partner and I are planning on opening a joint bank account for our savings towards a deposit for a mortgage however, my partners previously had a poor credit rating (which is slowly improving). We live together but currently have separate bank accounts. Will opening a joint savings account affect my good credit rating,…
ATM machine query?
When you use your debit card to withdraw cash from an ATM machine does the ATM log your card details?
EX Hubby wont take my name off joint account
Hi All, I am new to all of this so please be gentle. ;) I have been divorced for 5 years but despite continued attempts my ex hubby will not take my name off the joint account. I am currently living overseas and have been for the last 3 years and do not have any cards or statements for the account. I am also unclear on if…
Already have Halifax ISA Saver Online - opening a new Cash ISA in new tax year.....
Hi there. I transferred my last ISA's funds (a Halifax ISA Saver something-or- other, opened in Dec' 2010) to my new Halifax ISA Saver Online in Dec 2011 after my interest rate had fallen, following the 12 months of opening the first one with Halifax. Anyway, I am getting 2.6% on this Online cash ISA with the Halifax, and…
Online Bank Fraud - Help
Hi, Myself and my wife came home Friday to 2 seperate answerphone messages from our bank (Santander) to call them. We have 2 seperate accounts, both have had fraud. Whilst trying to get through, i checked our accounts online and saw someone had logged in earlier in the day, transfered all our funds from ISA's to our…
Tesco Personal Finance
TPF computers are down,Both web access and telephone banking. I hope this does not turn into another debacle like before.
where have club accounts gone
I am member of small private boat club we have a emergency fund which up to 2011 was in bank club account we have been informed this type of account is closed and they have transferred our fund to a 0.1% currant account. we would like a savings option what pays better and would like to use the clubs name instead of a…
Nationwide Overdrafts
Having just opened a Nationwide bank accuont I have two questions about their overdrafts. I left HSBC - and I had a £500 OD limit on that account. Interestingly, Nationwide happily provided me with a credit card (£3,200 limit) but didn't agree an Overdraft on the Flex account (although they did agree a chequebook and full…
You want an account with us? You've got to be kidding.
Hi, just wondering if anyone else has tried to switch to a new current account whilst owing a hefty overdraft on the old one (around £2.5k). Are you able to start anew and pay the old one off bit by bit, or would a new bank take a look at my account, hide behind the sofa and pretend they were out next time I called round?…
Banks and Power of Attorney
My mum has a Lasting Power of Attorney naming me, my brother and my sister as attorneys for her. The PoA specifies that we can act individually on transactions of less than £4k, but all of us need to authorise a transaction above that amount. She has current accounts at both Natwest and HSBC, and neither bank will provide…

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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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