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First Direct Banking Fee
I have been banking with First Direct for the past 8 months and have both a 1st account and a regular saver. This month, for the first time, I have received my statement and there is a £10 banking fee applied to my 1st account...I was of the impression that with the savings account this fee was waived, and has been until…
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Does anyone deal with Western Union ?
A US company gives me only option for payment which is Western Union which I am finding a headache filling in their complex forms. I am finding it very complicated to know what to do to set up payment to my UK bank. When I put the name of my bank in nothing happens with pre-populate. I have no idea what I am supposed to…
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Thinking of switching to Halifax
Hi All I am not sure if someone has already asked this previously but i am currently with HSBC and want to switch my current account to Halifax. I have been with HSBC since I was 16 when it was called midlands (showing my age now :rotfl: Will switching to Halifax affect my credit rating or report in any way as I am looking…
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Direct debits for Club Lloyds
I created a Club Lloyds with £5k this weekend but I have got a problem setting up 1 more direct debit to get interest for this month. I have succesfully set up one with PayPal (hope it's fine with paypal!) but I cannot find anything else! I created the 2 Tesco Saving this weekend but they are too slow, I have to send them…
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Cooperative bank sitting on 1000's of VOID mortgages
A subsidiary of the Cooperative bank could be sitting on 1000's of void and unerforceable mortgages which it purchased from a well "known" subprime lender. Of the seven parts to the block of Alba2007-1 tranche sold by GMAC RFC in 2007 no less than FIVE were declared as insolvent by Ambac an assurance company which deals…
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Traveller bank account
Hi all, I'm off travelling around Asia in June for a year. Do you have any advice to offer about which accounts to use so that I can access money abroad? Im so confused about bank charges/conversion rates. Thanks in advance! Jez
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Current Account Switch,Halifax failed to transfer direct debit
During recent Current Account Switch, Halifax admitted they failed to transfer direct debit for my Santander Loan and I received a Notice of miss payment letter. I called Halifax and they insisted they sent the instruction to Santander, which failed to setup direct debit at their ends to catch up with my loan repayments. I…
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Halifax switch - timeframe for account details
Hi all, This evening I have set up another Barclays donor account online. I have my sort code and account details. I wish to switch this account to Halifax… and was thinking of applying for this tonight. However there was no option to opt out of a new debit card with Barclays so that will be sent within the next week. my…
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Is My Budget sensible .
Ok so I have also recently had to move from living with my parents to to living alone . Ive just agreed a let on a place and am currently living on A friends couch till I get them keys . Ive been pretty lucky in that family and friends have donated a fair amount of furniture meaning that the only thing I have had to buy is…
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Frequent change of current account for bonuses
So far I've changed from Nationwide to Halifax and then after a little more than 12 months I moved my current account to First Direct earning good bonuses at each step. First Direct advertised £125 when you join and then £100 if you leave within 12 months. I'm more than impressed with First Direct but wouldn't I be a fool…
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How long before I switch current accounts?
Hi. I recently switched my basic Halifax current account (used to be my student one, but changed when I graduated the first time) to my M+S one, to take advantage of the £100 gift card. I usually keep track of my sister's savings too, as she's genuinely useless (honestly, she had 15 thou sat in a 0.9% account once! :) )…
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overdraft monthly fee added to initial free overdraft
Hello All I am with NatWest and applied for an overdraft that was free and only charged interest rate when I used it. After a couple of years NatWest then sent me a letter stating that they were now charging a monthly fee on top of the interest rate for using it. I could not and cannot move my account to avoid these…
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Account funding requirements question
Have been googling around for a couple of hours and not managed to come up with a decent answer, figured I'd just ask some people who know! With current accounts that have a monthly funding requirement, rather than standing orders to transfer in and back out a couple of days later, can I manually transfer in and out on the…
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Lloyds Bank - No Direct Debits?
Anyone know why my Lloyds bank online account says: There should be about a dozen live ones, one of which was even debited today. Anyone else affected? (Standing Orders are still shown, account is in credit)
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Best bank account with online budgeting/spending tracker tools
Does anyone know of a great bank account that has inbuilt budgeting tools, and money spending trackers. we had a great one in the USA, but our UK HSBC account doesn't have the facility to track spending. Thanks
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Halifax Reward Account - is the £5 taxable?
I've just requested an upgrade. I'm a non tax payer and wondered if I need to submit form R85 for the account. Although, it isn't interest, is it. :/
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Start again please LLoyds Club Accounts
For all you people that tried to help me, I was wrong again!,and the two internet savers i opened are both joint accounts and they should not have been I believe!. So what happens from here?, like I say in the previous posts ,we have opened two solo club Lloyd accounts are open but not yet funded But the manager as created…
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oops, wrong board
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Halifax Reward Account Criteria
Thanks to the great advice i have received on here i am in the process of switching 2 of my 3 Nationwide accounts to the halifax. One of the Nationwide accounts is purely a donor account and i opened it last week with the sole purpose of switching. I am going to open 2 tesco savings accounts and set up dds for them but my…
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Applying for a 123 account
Has anyone been turned down for a 123 account and successfully got one at a later date? I applied online and was turned down. Well the same happened with the Clydesdale due to me not being at my address for 6 months (an in person application worked in that case) so I went to the branch to apply. After giving them ID and…
