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Halifax Cashback
I signed up to Halifax Cashback a couple of weeks ago and have started using my debit card to purchase items but as yet have not received any "cashback Offers". I know there were a number of people that didn't get any offers when they signed up so has anyone had any offers added that initially didn't get any?
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Mone transferred to wrong bank acount
I transferred £1000 to what i thought was my sons bank account. It is an active account. I have drafted a letter to the bank concerned. am I really reliant on the cooperation of the account holder? Or will I be able to go to the police if they will not give me the money back? Very worried.
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First Direct - sub accounts
Hi all, I feel desperate so wanted to share my frustrations. I've been with First Direct for many years (15-20 I imagine), and consider myself to be a hugely loyal advocate of everything about them, everyone I speak to and everything I read suggests that their customer service is second to none. I also have all my banking,…
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Opening a bank account without ID
I know someone in quite an awkward situation. She can't get a bank account without a driving licence, passport or gun licence. Yet she can't get any of these because she needs a bank to pay for them. She can't even realistically get a job because of her lack of bank account. She's been trying for a few years to get an…
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Buy euros now or after Thursday?
Going on holiday next week :) . Bearing the US's current nonsense in mind, any thoughts as to whether it would be better to buy euros before or after Thursday's vote? Thanks.
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who to pay?
I have a quick question; majority rules on this one so please cast your vote :) I have a bonus coming next month; roughly £1500. I am on an interest only mortgage (works for me), and am 'only' behind on my capital repayments by £3k at the moment. 20yrs to go. I also owe maybe £5k on a car loan which has 3yrs left to go.…
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Cashflow Template - longterm budgeting
Hi All Can anyone advise me as to where I can source a cashflow template to enable me to finance plan longterm? Many thanks Carol
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Cancelling CPA with HSBC
Hi All I need to cancel a CPA payment due out on 23rd October. Has anyone any experience of doing this with HSBC. Do they cancel or am I best just reporting my debit card as lost or stolen. Am i best doing it over phone, writing or at branch. Thanks for your help
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LLoyds & my personal info
Got a call at 9pm from a company called Network Research wanting to discuss (with myself or husband, using our surname) a recent visit we made to Lloyds Bank. Apparently "just customer service satisfaction questions", feedback for Lloyds. I said my feedback would be limited to objecting to Lloyds passing my name, telephone…
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Apps to manage money
Can anyone recommend a free app to record spending and help with budget monitoring? I heard that Pocket Money was good, but its £3.10 in the app store :(
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Another Santander 123 question
Can somebody confirm whether it is necessary to actually use a Direct Debit on a 123 account in order to qualify for interest? The terms say Set up a minimum of two Direct Debits. For cashback household bills must be paid by Direct Debit to organisations within eligible categories which suggests that as long as two DD's…
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Bank Account Move Advice.
Hi Everyone. I am looking to move to another bank, and would like some advice from anyone that has experience of other Banks please. I know in a lot of ways they are all similar, but wanted some advice on a decent alternative. Firstly, I don't have or need a credit card, I get by just fine either with the Debit card or…
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Lloyds Premier Account vs Halifax Ultimate Reward Current Account
Hi All, I'm currently with Lloyds and have a premier account with them which is knocking me back £25 a month. I use most of the benefits, but looking at the Halifax account it seems to offer the same apart from a £300 O/D instead of the £500 interest free O/D I currently have with Lloyds of which I don't use, as I have my…
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Change of account signatory
Hello, I own a flat and I received a proposal from our Management Company to become a signatory director. This would allow me to sign off any expenses from the bank account which is used for my neighbourhood. I was given some “change of account signatory” forms from Santander to fill in, however I am concerned that by…
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Upgrading bank account
Hello first time posting hoping someone can help. I have previously had quite a bad credit history but it is now improving. All previous bad debt has now been paid off or dropped off credit for (over 6 years). Due to previous problems I could only get a basic bac bank account with Santander and no debit card. I've just…
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Bank charges no OVERDRAFT
Wondered if anyone has any advise. I've been with Santander for 5 years. Never had an overdraft and over the last year things have been a bit tight, therefore bills have still been coming out of my account when not enough funds have been there, meaning I go overdrawn on an account with no overdraft. I could do with £100…
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Visa chargeback - business debit card
What protection do I have when making a payment on visa business debit card for a purchase of goods? I am making payment Monday of around 4k to a firm who I haven't done business with before. The firm are legitimate and a google search shows their company to be in ok shape. Just a bit anxious paying for goods from a non…
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More than one ISA?
Yea got one with HSBC with around 3k in it..... which i opend a long time ago.... but just wondering can i open one with Lloyds? and not have any problem ? (I've heard it can cause problems...) or am i talking utter b0ll0cks?
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How to claim back overpayment of Direct Debit
I've been paying two direct debits for Mortgage payment protection and Critical Illness cover. However the mortgage they apply to was paid off in April 2011. (i have no mortgage at all now:j) Can i claim these payments back? If so, how? (I had thought they were life insurance, that's why i let them run:o)
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Standing order
Should know the answer to this, but just wanted to check before I make a mistake...... I have just opened a FD regular saver and need to send £300 to my first account every month so it can be taken on the 12th of each month. To do this I am setting up a SO from my BOS Vantage account. To allow for weekends, time to…
