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Budgeting & bank accounts

Archives for December 2013

We never phone you to get you to transfer money
But that's exactly what the local Lloyds manager has done. He rang up, as they always do, to let me know some money had just been credited to my account, and asked if I would like some advice or one of their savings products. He said until I had decided where to put the money he could transfer it into a higher-rate savings…
Declined for YBS Cash Transactor Account!!
Gets better and better. So i am a discharged bankrupt, but this really shouldnt matter when it comes to opening up a savings account as they 'apparently' only do an identity check, and NOT a credit check! So how does that explain the fact i sent them all forms of id required, plus the £100 cheque, i then received a letter…
NatWest Advantage Gold Travel Insurance
Received a letter yesterday to say that NatWest are changing their Advantage Gold Travel Insurance provider to an American company. This means that it cannot be used in some countries including Cuba which I visit once or twice a year. This is very annoying as I also like the benefits of breakdown insurance, mobile…
Promenades (USA) debit card fraud
Hi, Got a call from First Direct as they suspected a fraudulent transaction was attempted from the USA for 15p! Found it odd for that amount, but was that the bad guys checking to see if the transaction would go through before trying for more? Card was frozen and I have ripped it up. Anyone had this before? Bit worried…
mobile app for android
Hi there. If there was a thread like this, I'm sorry. I'm currently using a "check - bills & money" but this is us app what have small support for uk banks. it's allow to check balance of my bank, credit card etc in one place. but i will be much more happy if there be similar app for uk. do you know any? it can be paid or…
whats the best account for person with no fixed monthly income
I bank with a high street bank for 16 -18 years olds and want to update my account. I am a student over 18 now, but have no student loan and thus no monthly fixed income other than what I earn for part time work, trying to find a bank account that can give me an overdraft ( if needed) without penalties. what can you…
Future of Intelligent Finance
Hi there! Can anyone shed any light on the future of Intelligent Finance? It appears that it is slowly being 'run down' i.e. you are unable to open any new accounts with them. If the bank has closed its doors on new customers, and existing customers gradually leave them, it is only a matter of time before it is unviable…
Problems with Halifax
Hello, I have 3 accounts with Halifax. An Easycash account I've been using years, an Online Saver account, and another new Easycash account. The new Easycash account.. I tried to apply for a Current Account, got turned down and they offered another Easycash account. So they sent out the agreement in the post and I posted…
Santander 123 Account
Sorry my brain is frazzled with working, shopping, eating, xmas etc etc. Has anyone worked out how much you would need in the 123 account to cover the 2.00 monthly account fee, without paying any bills from that account? or even how much interest you would get monthly with balance of 1,000 - 2,000 - 3,000? My understanding…
1000 pounds missing for almost 2 months
Hi, Based on the issue noted below I would appreciate if you could please help me with any of the questions: 1.-Should the bank receiving the money be able to use an ARN? Or is it only useful for the bank that issued the payment? 2.-Can a "charge back for credit not processed" be issued based on a direct credit to my debit…
Cheques To Be Paid In Via Smartphone
As the title suggests: http://www.bbc.co.uk/news/business-25495962
Getting £10 000 pounds to the Philippines cheapest way
Hello, My wife has gone over to the philippines to help her family and I need to send her money from her (joint)HSBC account to her bank account in he philippines which is PNB. I am looking for the cheapest way to get that money changed into pesos and into her account. Can anyone give me advice on how to do this? I've…
Payday is Friday but many got paid today
Cousin's payday is Friday. Many if his colleagues got paid today as mentioned on Facebook. He and those colleagues that have their pay go into a Santander account have not. Why is this? He maybe concerned if on Friday he does not receive his pay then. Has anyone experienced or heard of similar before?
name change after wedding
Is this a simple process? I got married in Jamaica in May, but only recently received my marriage certificate. What do i do, just take it in and explain? I'm kinda worried as i have my student account and a platinum account, will it affect anything IE my overdrafts.... or am i worrying for nothing?Simply new bank cards,…
Make 2014 Your Year
I typed the words below on the morning of Christmas Day 2009. I know that I sometimes upset people with my "style" of response on these forums, but I think this gives a true insight in to what I believe people can do for themselves. Merry Christmas everybody. Take care of yourselves. There's going to be a sad moment in my…
Budget for the coming year
I've just finished doing my budget for the coming year. Worked out what is due when. Set up the year's standing orders etc. Does anyone else sit down at this time of year and set up things for the coming year?
Paying in a large cheque- will there be issues?
Hi I need to move £100k between a Barclays account and a Natwest account. The maximum I can move via online banking is £30K. So thats not really an option. If I wright a cheque and take it to Natwest other than been asked where I got the money, will I have any issues? Alex
Barclays Kaspersky Offer - Have they dropped a Christmas Bauble?
I've been using Kaspersky Internet Security courtesy of Barclays for maybe two or three years now and got a renewal warning on Friday - 12 days to go. On Saturday I visited the Barclays website and "renewed" but received no activation code by email. In the past I recall I haven't had to wait long for an email. I tried…
Halifax Reward - whats in it for the banks
I currently have an Halifax current account with no £5 reward. Whenever i go into the bank they always try and get me onto the reward current account that pays £5 a month. I always say no as 2 people i know that have tried to swap to this account had all sorts of trouble with DD not getting changed over correctly, so think…
Debit Card Decline - what to do ?
After ordering xmas food from Marks and Spencers - when I went to pick it up from the store - my Bank debit card (Visa Debit) was declined when it was being read. (before requesting PIN). The sales assistent tried many times, but each time failed. She called over a manager - who also tried, then suggested that I could pay…

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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.
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Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
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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
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Applied for South West Trains 'boundary fares' compensation? Act now to claim it
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Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
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Budgeting & bank accounts

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