We'd like to remind Forumites to please avoid political debate on the Forum... Read More » This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Budgeting & bank accounts

Archives for December 2013

First Direct bank charges :-(
Before I start I am aware this was a mistake of my own making so please refrain from 'holier than thou' comments. Last month due to a moving money around error i was overdrawn by £1200 for one day. However, there was £57,000 in my savings accounts which are all linked via my offset mortgage. FD have charged me £25 for this…
Halifax cashback
I can't see where the cashback offers appear - can anyone help? I use my halifax CC a lot but not usually my debit card so may have none but can't see where they would be?
Stolen cheque cashed- help!
Hi all, Not sure where best to place this in the forum, but I've had a cheque in my name stolen and cashed, so just wondering if there are any wise words of wisdom- I'd be very grateful if so... To explain the background: MoreThan sent me a cheque for a pet insurance claim that I didn't receive. On 8th November we got a…
Direct debit unpaid - impact on credit file
I wonder whether anyone can advise. I opened a new current account six months ago. Recently a montly direct debit of £50 which goes out to a family member in repayment of a loan, was returned due to insufficient funds. This was the only one returned, and it was partly due to oversight, partly due to, well, insufficient…
why bank with a Building Society ?
Hello A question, why bank with a Building Society ? Given that the big banks seem driven by money grabbing unethical 'not nice' get rich quick people and that I'm not to happy with supporting them (in a very small way) is a Building Society a usable alternative. Other than possibly feeling smug are there reasons to change…
Santander Select
I notice there was a thread or two on this last year, with the general consensus that it was a pretty spurious marketing ploy. Has anyone actually gained any tangible benefit from being in the Santander Select club? ta
Direct Debit gone astray
I opened a new account with Bank A and used my debit Card online to transfer funds from Bank B. The transaction errored as I was making it, so I rang bank A who couldn't see the money anywhere in their system. Bank B however had a hold on the money (i.e. it was not showing as available funds). I left this a couple days…
National Lottery error with Direct Debit
When the lottery changed on 1st October we had previously decided to reduce our weekly online playslip (paid by monthly Direct Debit) from 5 tickets (£5) to 2 tickets (£4). This was done in August, and the change took place immediately, so for the following few weeks, we only paid £2 per week until 1st October. However,…
im going to go xmas food shopping at midnight but.....
Only if i have been paid. My question is.....if im supposed to be gettting paid from work tomorrow will my wages go in at midnight? Im with hsbc thanks. Merry xmas all xx
account closure - no notice given
Account Closed - Pls advice - Best next steps hi All, the bank has closed down my a/c last week. when I went to withdraw the balance of 1600 pounds left, bank said that they cant release the funds, that I have to write to them and proving these funds belongs to me and provide proof too. Upon speaking to friend of mine, he…
HSBC Online Banking
I want to set up online banking with HSBC, I already have an account with them. When I ring the phone number they say I have to go into a branch with photo ID to set up online banking. Is there any other way of doing it without a 30 mile round trip to a branch ??
Halifax Cashback, stores and rates
UPDATED 24/12/13 I've started this thread as a point of reference for Halifax cashback (extra) so at least we know what is available. The scheme is a ctach 22 as you don't know what the offers are until you spend at a store (and then it might be too late). Hopefully with this list we can try to trigger getting an offer…
Why dont banks process things on Saturdays/Sundays?
I mean, it's almost 2014...everywhere else is still open!!!
Nationwide FlexDirect - "Pay in £1000/month"
If I simply transfer £1000 into my FD account and then move it out the next day, will I be eligible for interest? I don't want to keep the £1000 in there if I've already reached above £2500.
RBS unauthorised overdraft fee
Anyone else been charged £6 for going over their overdraft due to the RBS screw up at the start of December?
Advice for First Direct account
I (British born and British passport holder) have a healthy number of accounts with First Direct, i've had them for many years. I'm working out of the UK temporarily, have been for some time. All of a sudden, I've had a message from the bank saying. 'We realise you're not resident in the UK, please contact us'. So, i…
Natwest Select Account - Direct Debits
Hi, I've been having a few issues with Natwest and their charges and I'm hoping for a clarification. I have a Natwest Select account with no overdraft facility. If I have a direct debit coming out of my account which would take my balance into a negative, should this payment be made or the direct debit returned unpaid?…
Halifax website or phishing attempt??
Just now I logged into my Halifax Account and just asked me to add Halifax online as a receipt as this is a new security measure. Has anyone tried to log onto Halifax today and been asked to add Halifax online then ringing your phone and you entering the pin code?
Bank account for Bad Credit rating??
Hi Guys, I need to pick your money experts brains over a banking issue I am currently facing. In a nutshell, we are a young family with children who have been affected by the ever rising costs of living and having to previously rely on the likes of payday loans etc just to cover basics. It is not a good predicament;…
HSBC won't let me pay money into my own account
I tried to pay roughly £8000 cash into my account. The notes were clean. They asked where it came from. I told the truth, that it was from my wife's father, he was paying back a loan. They won't accept the money under any circumstances. I'm feeling pretty messed about as I waited for over an hour while they decided what to…

★ ★ ★ Meet your Ambassadors

Confirm your email address to Create Threads and Reply

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.

View All

Budgeting & bank accounts

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free

Budgeting & bank accounts

Discussion List

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free