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Budgeting & bank accounts

Archives for October 2013

Santander joint account?
My husband and i have separate Santander accounts. We have just bought a house ( waiting on completion) and when the mortgage is all through i thought it would be easier for us to have a joint account for all bills etc and our own accounts for personal use. Any advice on the best way to proceed with this? Eg - pay all…
Barclays Bank down
Tried to withdraw some cash tonight but it was declined. After a little look online, it seems the whole of Barclays has gone down. Debit cards, app, internet banking and telephone banking. Just a heads up for anyone who banks with Barclays.
Is there a big difference in banks business exchange rates?
Hi, I get paid in US dollars and my bank charges me 7 GBP to exchange from US dollars to GBP. The exchange rate is always higher than the tourist rates in the street so i take it there is a business exchange rate that the banks use. Is there a big difference in this rate between banks as i am thinking of shopping around to…
Debit Card - which bank ?
Is there any way you can determine which bank a debit card is linked to if you have the card number and a merchant ID ?
Joint bank account, Husband has CCJ - should we close this or damage already done?
Hi everyone, As in the title, myself and my Husband have had a joint account since Jan 2012, (opened before we knew he had a CCJ on his record). We will be applying for a mortgage jointly within the next six to nine months and I am wondering whether closing the account would be a good idea? Or whether the damage has…
Card stolen. All money gone
Hi I've had my card stolen and they somehow got hold of my PIN and emptied my bank account. Last Thursday night I went out for a few drinks after work and got a minicab home, called in at a cash machine on the way home to grab some money. When I woke up on Friday money I saw my card was gone, so I immediately canceled it…
Natwest Overdraught due to account fees
I have a Natwest account with no overdraught facility. I was paying £12.00 per month for this account. I went away travelling for a year and a half and in the follow up to this i notified my bank they advised was best to close my account and keep my savings account, i was required to write to my branch to close the account…
Handelsbanken: worth a try?
The recent news reports about the Co-op bank's buy-out have reminded me that I meant to switch my banking to a company whose business model is more in line with my own values - now, sadly, it won't be the co-op bank, so I've been looking around for alternatives. Since Handelsbanken highly rated on !!!!!!.uk, and they also…
Fallen foul of your bank's fraud guarantee?
All banks claim that their customers will never lose out if they are victims of fraud. We all know that this does not always apply. Have any of you suffered from bank fraud, and had your bank refuse to reimburse you? Did you fight them? How did you get on? I am asking because I am in the middle of a struggle with my bank,…
Best bank if living in Australia and UK
I am looking at a person in my family, who is going to be living mostly in Australia, but also will have UK assets. They are looking for a bank that is prominent in Australia, and the UK, where they can operate a sterling and Australian bank account in their home currency. They want the ability to switch between the UK and…
At what point would a transfer be classified as a Friday transfer?
No, not as simple a question as the title suggests. If a transfer takes 3 days to transfer then i want this Friday to be counted as day #1 - part of the 3. * I don't want to have to stay up until midnight to transfer it. * I don't have the time in a morning before work * I come home around 6pm - after the banks close their…
How do I make a telegraphic transfer please?
My mum is able to repay her mortgage in full, a few years early. On the redemption statement it says: 'We only accept redemption monies by telegraphic transfer'. I was hoping to help her pay it through her online banking, does telegraphic transfer mean going into the bank to do it? I have searched her bank't website but…
swapping bank accounts
Hi, I have a Lloyds premier account, I've reduced my debts gradually and would like to switch to the First Direct account to take advantage of the overdraft and £100 offer. I don't mind closing the Lloyds account completely, but I have a Lloyds duo credit card account, a Lloyds personal loan with 6 more payments to make…
debt
Hi there, I'm new and trying to start working things out iv just turned 30 and been running from debt for years in fact that's my question how can I find out how much debt im in i honestly have no idea I know its not massive debt but I know I have some Iv been ignoring post for as long as I can remember I need to get on…
Massive Overdraft I cannot pay :(
Hi, for various reasons I'm rubbish with money and on more than one occasion Lloyd's Tsb and now Tsb bank have agreed me overdrafts which are well over my means. I've asked in the past if they can put on a block and disable my account from being able to apply or approved for overdrafts. Each time they decline. I've called…
Which account should I use to pay my mortgage deposit? US dollar or ISA?
Hi everyone, We have finally found the first home of our dreams : ) Been offered a mortage and We are now in the process of transferring our deposit money into the conveyancing solicitors account in order to complete hopefully next week. My question is this: I can either pay my share of the deposit (50k) from money I have…
Account Switched now Puzzled
Hi, I switched my bank account from Halifax to First Direct earlier this month, all went ok in the end, I have my £125, my Halifax current account has vanished from my Halifax Online banking. I got an e-mail from Microsoft the other day saying my Xbox Gold membership has auto renewed at £39.99, only problem is I checked my…
Online Banking
Hello, Rather than having all my money in a single 'pot' in my current account, I find it easier to manage my finances if I can split my money down into a variety of custom pots. :cool: It would also be useful if I could link some of these pots together to create an artificial overdraft of sorts. E.g. If go to an ATM I…
Santander 123 current account rejection?!
Hi there, My partner has just found out, after first applying 6 weeks ago (7 dayswitch my ****!), that he has been rejected from a Santander 123 currentaccount, and we have no idea why. He earns £35k per year, has no debt, no missed payments, no dependents, ahigh in credit balance, and savings. He isn't young, so has built…
First Direct Internet Banking Plus
Hi all Is anyone else having problems accessing First Direct's Internet Banking Plus service? And if so, are you using the new Internet Explorer 11 software? I suspect that this may be the problem. Thanks in advance!:beer: EDIT: Yes it was the problem. A switch to compatibility mode resolved it. Thanks for reading.

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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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