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Budgeting & bank accounts

Archives for April 2013

Natiowide - again
Anyone else having problems logging on to their account?
Natwest contact details for removing a default ?
Been searching everywhere, and cant seem to find a correct email address for natwest department that deal with removing defaults, cant someone please provide me with some help here, many thanks, Brad
Nationwide, cheques & clearance times?
I wrote a cheque last week. It was picked up on the Tuesday by the person i was writing it to. I imagine cashed at the earliest on Wednesday. I've gone into my online banking & noticed a transaction for the cheque on the Friday (i thought they took 5 days to clear though?) & then a "correction" entry putting the money back…
Fraud
My Fiance internet banking was hacked and someone transferred £4200 out of her account, so far the bank have been less than helpful and I am starting to lose patience and I have no idea how to get our wedding fund bank any of you guys have any ideas or contacts for anyone at hbos that could help??? thanks in advance
HSBC to Lloyds transfer 2 days later!
Hi I did some freelance work for someone, and on Sunday he transfered £900 from his online banking (HSBC) in to my Lloyds TSB account, he said that his online banking said the transfer would be made the next day (Monday). On monday he rang his bank at 5pm and they said that the money had left his account on Monday at…
Wages paid into frozen business bank account. Help please
Hi my company has recently been struck off the companies register as I failed to file my annual accounts so my business bank account (HSBC) has been frozen with any money being passed onto the Treasury Solicitor. It was cheaper for me to set up a new ltd company under a different company name so iv gone ahead and done that…
From Bank Giro Credit to Faster Payments
I noticed this month that my wages were marked as paid via "Faster Payments" rather than the normal "Bank Giro Credit". This just got me wondering; this is a company with thousands of employees so they don't pop down the bank with a cheque book. So were my wages being delivered via BACS previously or something else. My…
Very poor credit score with excellent credit report?
For the last 6 months i have been checkingmy credit report and score, making sure it was all correct. I had a problem with my electrol rolland finally got it sorted and to my horror it went DOWN:( It was 'poor' before and the only thing it was giving to try and improve was to go on the electrol roll and now im 'very…
NatWest - new overdraft charges
Has anyone else received the email from NatWest today about changes to their overdraft charges? Talk about unfair! They are now charging you from £10 overdrawn compared to the current £100 and they are introducing an additional fixed fee each month! Just another hurdle added to the burden of trying to get out of debt! Any…
Ireland's last free current account introduces charges.
I know this isn't relevant for most of you, but I've been a frequent mse user for years and my move to Ireland didn't change that. I've just been shocked to discover that from July my bank will charge me €48 a year for the privilege of having a current account with them. It's only now I've found out that I had the fortune…
Quick question about overdraft.
I'm a bit new to all this, so bear with me. Sorry if this is in the wrong place. I was paid yesterday, enough to clear my overdraft. I went to the ATM this morning and my balance hadn't changed but the 'you can withdraw' bit was changed, so I know I've been paid and the money is in there. My boss did pay quite late in the…
Tax from children's regular savers
i have had a look at Halifax's Kid's Regular Saver which offers 6% interest on savings. that's a good deal if i actually start saving £100/mth for my child. however the caveat is that any interest earned by the child that is over £100/year will be taxed at her parent's rate (because these payments are in effect parental…
Advice needed asap helppp!! Bank details stolen, worried.
I was tricked into giving my bank details over the phone and once i'd done it i realised what i had done, so i ran straight to the bank and told them what had happened and they've stopped my card and they will be sending a new card out but the hacker still will have the same account number, sort code, name, dob. Will this…
NAT WEST to Charge £6.00 a Month Overdraft
Just had an email from NAT WEST bank saying they are going to CHARGE £6 a month for an ARRANGED overdraft from JULY 2013 . I have had it free (Plus interest) for over 10 years now. Are other banks going to go this way. So if i am overdrawn £20.00 in a month I will now get charged £6.00 plus interest for the priviledge :( .…
Barclays - Wrong account details
I had a barclays account for 14 years, in 2010 I moved address and asked barclays to update my address. In their wisdom they updated me to the wrong adress, I have been in branch and asked for it to be corrected and witnessed the clerk doing the change, yet it changes back. I have made numerous calls to customer services…
Paying cash into Santander
I've been helping to run a local event and was left with a large amount of cash to pay in - most of it in notes and complete bags of coin, but with some incomplete bags. I went to pay it into my Santander account. My local branch firstly told me that I could only pay in five bags of cash a day - but they'd accept the rest…
which bank account
i would like to open a bank account for my 12 year old daughter and i would like it to have a card so she can access the money.are there any banks that have accounts for children so young that have a card with a pin number. thanks scott
Removing Overdraft - Effect on Credit Rating?
I've got a current account I'm still using as a secondary account, but don't need the £4000 overdraft limit it's got. Is removing the overdraft facility going to have any impact (positive or negative) on my credit rating? I know it'll report that the limit has gone to £0, but surely the credit agencies won't know whether I…
Bad Credit Score
Hi there, Recently, my wife and I wanted to open a Santander 123 a/c in our separate names. Mine was no problem, probably because I am a UK citizen and on the electoral register. But my wife is Japanese and cannot be on the ER. The result is, even though she does not want Santander credit, but does want to deposit £20k…
Direct debit-set for the 1st not released until the 10Th
Hi, Trying to rearrange our direct debits to come out just after payday, our car insurance is set for the 1st, last month it came out on the 10th, I spoke to hastings, they say the bank did not release it till then(account well in balance) the bank say they do not have the facility to pay late and only pay when the company…

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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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