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Address change notification
If you move house and can't get to your branch in person is it simply a case of sending your bank a completed & signed change of address form? Or do they also demand proof of the new address? I assume it can't be done online/on the phone for security reasons.
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Info regarding halifax debit card.
Sorry if this is posted in the wrong area, I have currently switched my bank to halifax and am curious as to whether my debit card is offline or online. The first 4 digits are 4844. Thanks in advance.
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Halifax Current Account
Hi, I have recently opened a Halifax Current Account (not with rewards). Today I received a welcome pack with a/c details and a Signature Mandate but I was wondering if anyone knows if this account come with a Contactless Card and a Cheque Book as standard as there seems to be no mention of either in the pack. I'm not too…
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Overdraft help please
Hi, I am currently splitting up with my husband. Other than the mortgage, the only debt we have it a £7000 overdraft which is fully used. Each moth I am paying about £60 - 80 interest, but not actually paying it off. I would like to try to convert this into a loan so the £80 a month I'm paying at the moment will actually…
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Lloyds tsb scraping old accounts
Hi, I have a lloyds tsb budget account that I pay all my house Bills from it I divide the cost of my bills over 12mths then pay A weekly debit into the account to cover it. Some months it's in credit some months it's not. It works great for me but lloyds told me with one months notice they are switching it to a classic…
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Nationwide
Just to let people know there is a problem with nationwide online banking. If you can log in it has not shown accounts. They have reported it and its being fixed xx
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Does my bank protect me ?
I'm sorry but I'm unsure if I have posted this in the right category . I have a lloyds tsb current account . I have started a website that is a hobby but seems to of taken off and users requested a market place due to upcoming eBay changes . I found a programmer through some forums that does php pro bid and he has worked…
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Overdraft/packaged bank account help please
Hi all. I have a Barclays Additions Plus account, for which I pay £16 a month plus 18.3% overdraft interest. My income varies wildly as I am self-employed - sometimes I am a couple of hundred pounds in credit, but most months I have a debit balance of between -£500 to -£1200. I want to get rid of the packaged account as I…
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Issues with sudden large bill from a company I pay by direct debit
I was wondering if there is anyone out there who can help me. I pay the factors (management) fees for a flat I own and rent out by direct debit. However, last week the management company sent me a bill for several thousand pounds saying that it was money that was owed because the direct debit had not been covering all the…
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Piggybanking has had a negative effect on my credit score!
Over the past few months I have organised my finances and to do so I have opened a few new accounts with Natwest, (only one of which with a small overdraft) alongside my current account which I have held with them for over a year now. The interest free period on my credit card has now expired so I requested a new one be…
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How long before unused direct debit lapses?
I would be grateful for some advice...... I recently ran into a problem with a direct debit to a credit card company. For various reasons I had not used the CC for about ten months. Previously the full balance had always been paid by a direct debit from my account at LTSB. A few weeks after using the card I suddenly…
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Best bank for smallest bank charges?
I got some nasty charges recently. Since when did banks start charging an amount per each day you are overdrawn!?!? I thought it used to be a flat fee each time a thing came through and you couldnt pay it? Anyhow thanks for any advice :D
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Lloyds Tsb customer applying for Halifax Reward A/C
hi, just a quick query, me and my partner are currently Lloyds TSB current account customers and have been for about 2 years. We are currently in a DMP with stepchange and have been for nearly 4 years. We have considered switching to a Halifax Reward account and were just wondering what the chances of being accepted are?…
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NRAM "demanding" Income and Expenditure. Help needed please
Can anyone help me with this please. I consult these forums regularly and always find them of great help. A good friend has come to me knowing that I rave about this site! Has asked for advice. He has a Buy to Let mortgage with NRAM. Cut a long story short, they took him to Court last year based on a fraudulent Income and…
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SEPA Transfers and bank fees?
Hey! I wanna buy something but the company I wanna buy something with is European and they accept SEPA transfers. I live in the UK and im with Halifax and Lloyds and I can do either. Will SEPA chagre me for the transfer? Will my bank too charge me for the transfer? Thanks! Im probably gonna buy something worth about £20-25.
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Paying in a cheque to my First Direct account using an HSBC cash machine
As the title of the thread says, really! Can I pay a cheque into my First Direct account through an HSBC cash machine. I know I can pay them in branch, but the HSBC branches don't exactly have 'customer-friendly' opening hours for those of us in full-time employment. *sigh*
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Changes to Natwest/RBS overdrafts
Seems like Natwest and RBS are doing a similar overdraft fee scheme as Lloyds, starting in July: http://www.rbs.co.uk/personal/current-accounts/g5/overdrafts-int.ashx#tab-section5?view=int?CIN=1711418150 http://www.natwest.com/personal/current-accounts/g3/overdrafts.ashx#tabs=section3 A £10 buffer, then exceeding this a £6…
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Hsbc (offer (basic bank customers debit cards)
Im happy ive just been upgraded from a cash card to Debit card existing customers have to call up and request one. :-)
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Late payment charges.
I have a mail order catalogue and normally pay on line each month. Sometimes I am near payment time when I get to pay it. My bank does faster payments and the catalogue accepts faster payments so why am I still charged a late payment fee when my money is in their account before the due date. Are they allowed to charge this…
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Santander 123
hi, regarding the current 123 accounts for interest, do you have to have the 1/2/3000 for an entire month to get 1/2/3% interest? Or is it for 1 day per month?
