Budgeting & bank accounts

Archives for December 2014

Barclays offer me £300.00
Hi new here could do with some advise, I received a cheque from Barclays this morning for £300. With the following letter well the opening lines. "We're writing to apologise to you as we've made an error in the way we have reported information about your account to credit reference agencies. We would like to assure you…
Piggybanking techniques
Do you use Martin's piggybanking technique to stick to a budget? Martin's piggybanking technique Or do you have your own methods for saving cash in different pots? Share your experiences below.
Is my Bank breaching my confientiality?
Recently I made a Direct Debit Indemnity Claim for 6 erroneous direct debits from my current account from Dec 2013 onwards. The bank, SMILE, refused honour the DD Indemnity stating I must provide the original Direct Debit Instruction and evidence the payments were wrong. I contacted BACS and they said the bank does not…
TSB letter about registering for paperless A/C
This might save someone else a phone call. I received a letter from TSB saying that one of my A/C isn't registered for paperless statements and correspondence. Followed their instructions to do this online but it was showing that I was registered. Just phoned them and apparently these letters have been sent to all account…
Barclays trying to get me to spend and shop
I don't get this from any other bank I'm with, but I'm really getting fed up with Barclays sending me emails on shopping for holidays, holiday insurance and other 'products' they are punting and some online shopping site. Really not what I want from a bank. There is an Unsubscribe but I don't want to miss anything that…
Nationwide internal transfers
Has anyone had problems with Nationwide and internal transfers not showing immediately? During the last few months I,( like others) have been transfering from Loyalty saver to Flex Direct then out to other banks then back to Flex Direct and then back to Loyalty saver. All had gone OK until yesterday when the money…
Tesco Banking online banking
Anyone else having problems logging in or is it just me?
Visa chargeback and next steps
Hello, Bit of a story but here goes: I ordered items online from a website in Italy, the parcel was never showing up and the seller a waste of space. After lots of investigation it turns out it had been delivered and signed by someone else in another street in my area and parcel force were unable to retrieve it. I had a…
First Direct and Switching (plus Amex Platinum Cashback Credit Card )
Hi All, I currently have a Natwest account with a £6k overdraft facility that I am not using but is great to have if ever things were to get really difficult. The account is my main account. I'm interested in opening a First Direct account with the £100 cash. Am I right in presuming that in order to qualify for the £100 I…
Card Error
Is this even possible? Im not sure if I believe the story or not. http://www.itv.com/news/central/2014-12-30/shop-blunder-sees-father-charged-59-000-for-wrapping-paper/
How many TSB Classic Plus accounts can I still open?
Hi guys, I opened 2 TSB Classic Plus accounts when they were first launched in my own name i.e. Sole accounts How many more am I able to open as joined accounts? would it be 2 more? One joined in my mothers name and another joined in my fathers name? or is it possible to open 4 more? like this: 1 in mothers name and mine 1…
£70k, please help me spread across banks wisely
I've saved approx £70,000 which I intend to put as a deposit on my first property during 2015. However in the meantime, I was looking for advice on how to maximise interest and benefits on this amount. I would need relatively easy access, as I will withdraw this for a deposit at some stage this year. Currently I have £30k…
first direct current account switch
Hi I have recently opened a current account with first direct through this site so will get £125 for switching :) I am now going to start the actual switch from my current bank TSB, I have 3 current accounts with TSB, a graduate acc thats overdrawn (no interest till 2016) a TSB plus thats got £2000 in it, and a normal…
Bank Charges
Hi, My girlfriend and I have a Santander 123 current account. We set this up to have an account for paying rent in and out of rather than one of us chasing the other etc. The account has since gone overdrawn and we are being charged £1 a day for the privilege. As we have both started new jobs and the Christmas period, we…
Christmas Direct Debits
I had a Direct Debit due to go out on the 29th for a loan with Ikano (furniture on finance). It didn't go out yesterday as expected, so I figured the holiday meant it would be perhaps a day late. I just checked and it still hasn't been taken. Forgive my ignorance, but do I need t do anything differently, or just wait for…
Setting up bank accounts in anticipation of more funds!
A bit of advice would be appreciated. I have several accounts (Santander123, 2 TSB Classics, Club Lloyds, Nationwide Flexdirect). I am retiring in August and will be getting a reasonable lump sum. Having read lots of threads about useless ISA rates etc, my question is this. Would it be a good idea to get 3 BOS Vantage…
How often can I switch?
Hi Wondering if anyone can help me. I recently switched to the Coop bank in November and have received their switching bonus. Since switching to them, I've had nothing but bad customer service and would happily switch again. Does anyone know if there is a limit on how often I can switch banks? I would apply for another…
Is it too late to set up a DD this year to a 1-2-3 a/c?
I opened a Santander 1-2-3 current account a few days ago. The £500 minimum funding came from a transfer from another Santander account, but I've just realized that I don't have a second direct debit set up to go out this month. How can I set one up with less than 3 banking days left, and is there anything else I need to…
Switch to Santander 123 from my HSBC cuurent account.
After some researching, I have concluded that Santander 123 current account would be best for me. My current HSBC account doesn't offer any benefits. When I first opened HSBC account, it was a Graduate account so it came with a credit card as well as a debit card. Now the account has been changed to a standard current…
re tesco IS
Hi guys, read in the Daily Mail that Tesco are dropping their rate of 0.75% to 0.6% from jan, after being in 1 year? I have IAS and IS, and IS is 1.4% not 0.75%. IAS is 0.75% Can anyone enlighten me please.? :beer:

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MSE News

Have yourself a MoneySaving Christmas… starting with the best way to bag a cheap, sustainable Christmas jumper from only £3
Jumpers are for life, not just for Christmas, but most of us only wear our most garish festive get-up for one or two days a year, and then feel pressure to buy a new one the following year. That's neither sustainable nor MoneySaving, so what can we do about it? I have a few ideas...
More Than to stop selling car insurance policies – here's what it means for your cover
More Than car insurance customers on auto-renewal should look out for a letter explaining they'll be switched to Swinton Insurance, after More Than announced it was pulling out of the market. If you want to opt out of the switch, you'll need to do this before the end of your current policy – or risk having to pay a cancellation fee of up to £50.
more than car insurance swinton
More Than car insurance customers on auto-renewal should look out for a letter explaining they'll be switched to Swinton Insurance, after More Than announced it was pulling out of the market. If you want to opt out of the switch, you'll need to do this before the end of your current policy – or risk having to pay a cancellation fee of up to £50.
New scam ad protection measures to be introduced by Facebook, Google and more – changes Martin Lewis has long called for
New scam ad protection measures, such as two-click reporting and verification for advertisers, are to be introduced by major tech firms, including Amazon, Facebook and more.
Bank of Scotland, Halifax and Lloyds to close 276 branches in 2023/24 – here's the full list, plus alternatives
Bank of Scotland, Halifax and Lloyds, which are all part of the Lloyds Banking Group, will shut at least 276 of their bank branches in 2023 and 2024 after Lloyds announced a further 45 closures today (Wednesday 29 November).
'Unpredictable' broadband and mobile price hikes should be banned, say Which? and Citizens Advice
Broadband and mobile firms should be banned from hitting their customers with unpredictable mid-contract price hikes, consumer group Which? and charity Citizens Advice have said.
Martin Lewis: Do you have a Power of Attorney? It’s crucial protection – not just for the elderly – and more important than a will
Do you have a Power of Attorney? MoneySavingExpert.com founder Martin Lewis explains how this crucial protection works, why it's more important than a will, and how to get one in the latest episode of ITV's The Martin Lewis Money Show Live.
Second cost of living payment paid to millions – here's who qualifies and what to do if you haven't got yours
More than eight million households on certain benefits and Tax Credits have now received the second third of their £900 cost of living payment.
50+ beauty dupes for big brands including Elemis, Charlotte Tilbury, and Fenty
At MSE, we’ve challenged you to ‘downshift’ your grocery shop for years (check our Downshifting Guide ), but you can also save on make-up and beauty products by downshifting from brands to much cheaper ‘dupes’ – lookalike products, where often even the packaging is similar to the expensive brand.

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