Budgeting & bank accounts

Archives for December 2013

Another Santander boo boo
10p unauthorised overdraft charge applied to current account. I am always in credit - have never dipped below £0.01. Email reply today to my complaint - "I don't know why it happened, but I've removed the charge" is the response. Asked them to ensure no adverse effect on my credit file too. Feels like quite a basic thing…
Santander Online Banking
Hi, I am trying to make multiple payments to different suppliers for different amounts on my company's business banking system online with Santander but cannot see a place to do this. The only multiple payment option I have is to set up recurring payments (i.e. Salaries for employees) for the same amount. I want to do like…
Does anyone Multi Account
Hi All, I spoke to a colleague recently about how I was reasonably happy with my Halifax current Account, I got a switching reward of £100 and for paying in my salary and having two direct debits coming out of it I get the annual reward of £5 per month. My colleague told me that I need to set up multiple current accounts…
Nationwide FlexDirect Account
I just noticed on the FlexDirect account terms: with the ongoing rate at only 1% AER after this period. I just checked and next month should be my 13th month so I wouldn't be due the 5% interest rate but will have to wait and see... With this in mind, I was thinking of changing to the FlexPlus account which gives 3% AER…
TSB Enhance
A while ago there was a thread about the problems with opening TSB Enhance accounts online (taking a long time for them to be processed). Posters were recommending opening them in branch instead as they were processed a lot faster. Does anyone know whether the online opening situation has got any better, because I'd like…
Cheapest way to receive a lump sum from USA?
I have rented an apartment to some Americans for four months, they are paying me the rent upfront (over £10,000 sterling). What is the cheapest way to receive this money? Paypal? Bank Transfer? They have an American bank account. My bank (nationwide) has this in FAQs: Receiving payments As is the case when sending…
Halifax are really trying..
How Halifax's online help makes closing your online saving account a doddle: Starting from your main online banking page at: https://secure.halifax-online.co.uk/personal/a/account_overview_personal/ Click on the right side panel 'Help & support' (which opens menu) (final item of which is a link) 'More help & support' --->…
Nat West PPI claim
Does anyone know the meaning of "DEV LN PROT" or "FIGSL BUS LOAN" on a business bank a/c statement ?
Halifax Reward Current Account
I opened 3 of these back when they were first introduced and have been receiving the £15 per month (3x5) for a long time now, but I had my accounts downgraded to standard current accounts recently. I fulfil the criteria as I pay in the required amount and have 2 DD's from each account. I called and got one upgraded, but…
Natwest Credit card fraud - immediate refund?
On the 5th of December there were 3 fraudulent transactions on my account (supermarket home deliveries). I called them up about it soon after (since my card was blocked), and was told they'd look into it. Then I called again a couple of weeks later and they said they were sorry but that they hadn't passed on the details to…
Changing Banks?
I am currently with Barclays and have been from my very first bank account aged 16/18. I also have a credit card with Barclays which gets paid every month in full. I have been meaning to change for a while now and i'm just getting around to it. I would like some advice if possible please. Santander I have looked into…
Switching bank - impact on credit rating?
I understand that switching bank can be seen as a slight negative on your credit report (because being with the same bank for a while looks better). Normally that wouldn't bother me but I have also recently moved house and jobs which I believe can also look slightly bad. I am considering applying for a mortgage, although…
Nationwide current account closure
Hello there, When our Flexdirect loses its 5% I am planning to switch the account to Santander 123 to get the cashback deal and the other benefits from that account. However I'm aware that the savings accounts and current accounts are linked at Nationwide. Would closing the main account close the savings accounts too? If…
30/12 and 31/12 normal banking days
Hi, Are these 2 days considered "normal" working days for banks (in terms of financial transactions and such)?
Struggling to get back my refund
Not actually sure which part of the forum this post should go in, can a mod move it if you can find a better place. Basically I used a company called Transfergo to transfer a sum of money in the hundreds of pounds to another one of my investment accounts. Firstly I sent them the money online via my bank account and all was…
Getting a new bank acount with an IVA
Hi Everyone, could really do with some advice. I have a joint bank account with my ex parther and as weve split up i want a separate bank account but as I have an IVA and already have an account Icant find a bank that will accept me. My ex partner has tried himself to join several other banks so he can come off the joint…
Santander!
Just an vent. I have e-mailed Santander a complaint, only to be told it will take up to 8 weeks for a reply! It is for an elder relation; each time he goes into the bank they seem to take advantage of him. Do they have any duty of care? Or is it just their sales figures?
My teenager wants a better account....
My eldest (17yo) is looking for an account. I think the current one is a Halifax one of some description and I don't know why it's not good enough any more :cool: Anyway, income varies - still at school FT but has weekend job and takes home between £150-200 PCM. Wants a cash card of course and good online banking…
natwest bank problems
hi has any one else been caught in the new clinch cyber attack this morning, as i can not get any money out statements say money is there but account balance says no ,Nat west say they have no problems but sky news says otherwise, can any one shed any light on this as now confusing. nick
Need to open a student acc w/ bad credit
Hello everyone I'm halfway through my third year of a four year uni course, and I've never got round to opening a student account. Don't ask me why I was stupid enough to do this, as I have no idea, but it had only started to become an issue this year. I am in a fair amount of credit card debt because I messed up some…

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