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Budgeting & bank accounts

Archives for March 2012

Account aggregator that supports transfers?
I want to be able to use one log on to view my lloyds, First Direct, Natwest and Co-op debit and credit card accounts and make transfers between them (specifically paying off credit card). Does any software do this?
Amazon 7 x fraudulent charges. natwest can't refund money...
Hi everyone, I was the victim of fraud in October through amazon where someone accessed my account and made 7 transactions to themselves of £28. Amazon let me know and said they had cancelled my account due to fraud and advised i contact my bank. I therefore contacted natwest who returned my money almost instantly after i…
Bank of Ireland UK Websave online login
I have a Bank of Ireland UK Websave online savings account. I hadn't used it for a little while so upon trying to log on to my online account, both Bank of Ireland site and Bank of Ireland UK site were taking me to the "365Online" login, which is for Bank of Ireland customers not Bank of Ireland UK customers.. Managed to…
What makes you choose your bank (Please help it's part of a University assignment)
Hi All As part of a University project we have to assess an area of business and look into it's markets; I've chosen retail banking. Aside from rates what made you choose your bank...convenience, service, someone recommended them etc? OR what would make you switch? TIA
Torn over a bank account move
Hi all, Am currently with Lloydstsb for my current account - but have been considering a move to either the co-op or first direct for some time. I'd like to pick the co-op with the thinking that it would be more ethical, and it has branches. However, I hear such good things about customer services with First direct - that…
Contra Entry- wages taken out of account
My final payment (wages) of employment was put into my bank account early on the 28th of March, a couple of hours after it was taken out again. On looking at my statement the term 'Contra Entry' was visable and the whole amount was taken out. I contacted the Halifax who were sympathetic but said I had to contact my…
DD taken already for 2nd April
Right so 2 DDs have been taken from my account but the date on them is 2nd April. This now means I am OD on an account that can't go OD. I'll be charged for this won't I?
barclays customers............
please check your accounts as ours has been hacked today and money withdrawn and with the problems barclays have been having im wondering if its not just us
Lloyds TSB Card Expiry
Not sure if this is an un-usual thing to happen or not, but could do with some advice. I have placed a pre-order that will be released late Ocotober 2012. They took a test payment to check my debit card was valid and all seems well. They will take actual payment upon shipping my order. But my current debit card is due to…
wrong cheque amount paid out!
Hi, I have just had an awful week! I sent a cheque of £24.35 to a business only for £635.01 be taken from my account instead. This sent my account into being overdrawn by over £500. the business I sent the cheque to confirmed that they had it and my account was paid, but when I queried the bank they said that it would take…
MSE News: Print your own money service to launch
This is the discussion thread for the following MSE News Story: "The Bank of England is planning to allow consumers to print their own money from home" Read the full story: Print your own money service to launch
Hi guys (newbie here)
Hi guys! Basically, I didn't get paid from my new job like I was expecting today. A direct debit for my phone bill has gone out to o2 but there was not enough money in my account to cover this payment, and I am now overdrawn. - Will this direct debit payment be returned to me? If so, how quickly? - I am with NatWest, will…
Santander having problems too!
It would seem it is a day for internet banking issues. Not only can i not get into my Barclays account :mad:but i am having major issues doing anything in my santander account too.:mad: Been logged in and out, pages not loading, blanks screens told i have successfully logged in at 10.32 6 times, can't even log out(blank…
Citibank Online Problems
Anyone else having problems logging into Citibank? Its just taking forever and then the main page goes blank
Natwest Advantage Gold
I have been with Natwest for years now, with the Silver account costing me £8 per month. With the advantage gold at £12.95 p/m i will get breakdown cover and save money on what im paying for breakdown at the minute. Question is, will i incur a credit search against me by Natwest if i apply to upgrade my account to the…
RBS Complaint, Help Please.
Had a complaint with RBS, basically I was in a repayment programme and kept my side of the bargain, was paying the arrears and making the reg payments still (£30 a month to clear arrears and £223 usual loan repayment) Sadly RBS set up a £233 Standing Order and £233 D/D. As you can guess both went out leaving me with no…
Barclays Online banking
Am I alone? For the past 2 days Barclays online banking has been pretty much floored by their so called "upgrades". I've held on twice for over 45 minutes to get through to the business helpline without luck...frustrating :( On the odd occasion when i managed to get pages to load, it would appear that Barclays have removed…
First Direct - old HSBC debt - is it worth it?
Though I am happy with my current bank I have read a lot of good things about First Direct and was considering applying for an account with them. However, I realise they are owned by HSBC. I had a £1k student overdraft with them when I was a student and, like many, just ignored the debt not realising the longer term…
Old Woolwich/Barclays offset mortgage/account
Not sure whether this should go in bank accounts or mortgages, so if it needs moving then I understand. About 12 years ago I opened a Woolwich offset mortgage with a Woolwich current account. Over the years I maanged to overpay the mortgage so tha the amount outstanding was less than my agreed mortgage. When this was all…
Moving money between accounts
Hi, I'm a new member...so please be gentle with me! :A I am considering moving around £1000 just after I get paid from my current account (Halifax - set £5 reward instead of interest) to a savings account (Halifax 2.3%) until I need it. I think that could be around 7-10 days at which point I'll have spent the rest of my…

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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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