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Budgeting & bank accounts

Archives for November 2015

Downgraded Nationwide FlexPlus part way through November - charged the full £10
I understood that my account would be downgraded immediately - and it showed as such on my online banking and via the Nationwide app. I was expecting to be charged pro rata for the days I still had FlexPlus. Have I missed something? Anyone else downgraded and had a problem? Do they reinstate the overcharged amount in a few…
Yorkshire Bank - One way to avoid paying the £150
Have been trying to access the website to open an account with the switching service with Yorkshire bank for the £150 for about the last hour. Apparently there is a Technical Issue in the background and I should call the specified number tomorrow...... AFTER the deadline :(
How to close Cahoot online account
Does anyone know how to close down my unused Cahoot online account without going online, I have had the account for years and never used it and lost my password so Im thinking of phoning or writing to them.
Banks refuse me account
Recently I applied for First Direct account.Email requested me to certify two documents and post them for further inspection.Refused me account for reasons they explain in the letter (sure they do) M/S Bank also refused. Club LLOYDS accepted + monthly saver without any problems (no additional docuements,calls etc.) Anyone…
post office employee tampered with my account
Hello To cut a long story short, I opened an account with the post office and closed it within 6 months as the service and set up was so poor. I had to make a number of complaints during that time and switched to another bank. During the switchover process, an employee went into my account and changed a direct debit. I…
Problems with Santander app?
I use a Santander app on my phone, and in the past few days the login has been very slow. Today it gave up in the middle of a payment. I've now made the payment on my computer- hoping it doesn't go through twice! Anyone else having problems, or is it just me?
Anyone had letters when paying someone's old account after they switch?
Has anyone paid someone's old closed bank account by mistake, the payment been redirected to their new account, and then actually had a letter from anywhere informing you of their new payment details? If so, how much information did the letter give? And did it come from your bank, their old bank, or their new bank?
Direct debit problem - Santander and Vodafone blaming each other
I have been with both Santander and Vodafone for a few years now, but up until 3 months ago I was paying my Vodafone bill from a different bank. I decided to change my direct debit details to take the money from my Santander account, but this direct debit change has still not successfully gone through. I have spoken to…
Yorkshire Building Society Money Manager?
Hi Anyone used YBS Money Manager today ? All my external accounts have disappeared, on two different PCs I use. (I use Internet Explorer 11 on both ) Is it me or them ? Thanks
Mainstream bank account with a default.
Has anyone successfully opened a standard/mainstream current account with a default on their credit files. Does it even matter that I only have a basic cashminder co-op account, when it comes applying for credit etc.
Solicitor defrauded by simple con
I only listen to Money Box on podcast so a bit late to the party on this one: http://www.bbc.co.uk/programmes/b06f4vqf What I found shocking was the BBC's sympathetic attitude to the lady in question. How in heck can a solicitor - who presumably can't become a solicitor without a bit of worldly nous as well as some basic…
switching accounts
Hi My daughter switched to Halifax hoping to get £100 but she's just received a letter saying that because she received a cash offer since Jan 2012 shes not eligible for the £100. What do they mean by this ? She hasn't received anything from them. However I have received £100 from them when I switched accounts a while…
First Direct - how long before paying out?
I recently moved (end of October) to First Direct using the MSE deal for the £150 cashback and have paid in the requisite £1000, but I haven't yet received the £150 that was advertised. Those of you who have taken on one of those deals with FD, how long did you have to wait for the cashback to be paid?
Nationwide Flex Direct after 1 year
Mine and Oh's Flex Direct accounts are 1 year old on 30th November so interest rate drops dramatically. I have other banks to move this money to so should I just transfer the funds leaving 0 balance or do I need to go into a bank to physically close these accounts now? Thanks for any advice
Problems with Intelligent Finance IBAN's - please help!!
I live abroad, and though I can get money from my exchange dealer here to my girlfriends Lloyds account back in the UK, I've singularly failed in a year of trying, to get money direct from a local exchange dealer directly into my Intelligent Finance account in the UK. Every time, the money is sent - it comes back as soon…
UK introducer bank if working abroad?
I'm giving some (very early stage) thought to working abroad (either for a while, or possibly indefinitely) elsewhere in Europe (probably France, Germany or Switzerland, maybe Denmark or Sweden). If I were to take the leap and do so, does it help to have an existing UK current account with any particular UK/international…
Can I benefit from current account offers one for me and one for my partner
Hi, This is hopefully and easy yes/no question... I want to make the most of the various current account deals on offer. Can I open an account for myself with one bank (say, Halifax) and another for my partner (married), with another bank (for instance, TSB). Hence, we'll be receiving double benefits. We will be able to…
Currency Converter Help Please
I hope this is the correct board, probably not but I wasn't sure where to put it. I bought an item of clothing in New York in January 2004 for $45.99, can anyone help me convert this into how much I paid for it in GB Sterling. I've tried googling it and found the exchange rates at the time but I've no idea how to do this.…
First Direct - Second Current Account
Me and my other half have opened a new joint account at First Direct, and intend to switch over soon. However, we both have our own current accounts and pay £300 per month from the joint account to our personal accounts each month. I've only just realised that we would be charged £10 p/m for these accounts as we don't get…
why must i accept and pay for bankers draft when i am happy to receive a cheque?
Asking for a friend please, and not sure where to put this but it is essentially a banking question. My friend is due to receive a small inheritance and he has requested from his sister, the executor that he would like a cheque as he is refusing to put his bank details on facebook (yes you have read that right, the…

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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.
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.

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Budgeting & bank accounts

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