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Budgeting & bank accounts

Archives for February 2016

Packaged Bank Account Small Repayment.
Hi all, I had a complaint in with Barclays over my additions bank account. Spoke to some guy on the phone about it after a couple of weeks. Checked my account online today and I had received a payment form Barclays of £320. I had my additions account for 13 years and expect a bit more than that! I thought they would send…
LLoyds Packaged Gold Account
Wrote to LLoyds last Monday 22 Feb 2016, making a complaint of mis-selling. By Fri 26th Feb have had a offer of £4.5K refund of payments made for the last 15 years back to 2001 for two 'Gold' accounts held. The basis of my claim being that I could not be indemnified against risk twice, yet they chose to 'sell' me 2…
Can a bank transfer be recalled by the sending account holder??
I guess the real question is, in what circumstances can a sending account holder recall the funds.... I ask the question as I am a small-time landlord (sorry for anyone offended...). Usually for a new tenancy I ask for cash for 1st month & deposit (and provide signed receipts.). Thereafter rent paid by bank transfer.…
barclays 500 euro service
I went to my Barclays branch and asked if I could deposit a 500 euro note into my current account. Yes, said the assistant. She confirmed the sterling exchange rate, and after several minutes pressing buttons, she announced the transaction was complete, and gave me 2 receipts. One to confirm the exchange of 500 Eu to…
Lloyds - removing vantage 3rd May
Just had a letter saying my account will no longer have Vantage as of the 3rd of May. The name 'Vantage' will be removed shortly after and it will just be a plain Classic account. I'm not bothered as the interest was pennies. Anyone else had this? Darren
Any current accounts that have decent savings interest for more than 12 months?
I've been looking at getting a new current account and am interested in one that pays 4% interest either in the current account or in a linked savings account. There are quite a few out there, the problem is that the good interest rate is only for 1 year and thereafter it drops down to a very undesirable amount, from the…
Managing a foreign currency inheritance
Hi. I'm expecting to receive an inheritance shortly in the form of cash in three german Commerzbank bank accounts. Some of the cash however may be in the form of shares. I'm a UK citizen and resident. But I'm considering moving overseas, perhaps to a EU country, but also possibly further afield. But I don't want to commit…
Identity theft help - Lloyds, TSB and credit
I am a victim of identity fraud. On Saturday I received a debit card from Lloyds for a current account which I did not apply for. I have recently moved house, but luckily had mail redirection on. I think it's the estate agents or someone associated with the previous tenancy who thinks they can access my post. So happy that…
Paper bank statement
Hi everyone I am on a new journey, bit behind with the times and do not have online banking, bit desperate for the bank statement to arrive so can do some budgeting. How long do they roughly take from issue date (this months being Thursday last week) thank you
Transferring monies from abroad
Can anyone tell me if it is a good time to transfer money from a USA bank (dollars) to a UK bank (sterling) or is it worth waiting
Do I have to switch to halifax to get the £5 per month bonus?
As per the title does the £5 bonus only apply to people who switch? Can I just open the account and get it that way? Reason is I don't want to switch my current account as I earn a decent amount of cash back from Bills every month and credit card payments I make anyway. I also don't have an idle account I can just switch…
switching accounts
hi, anyone know if there are any banks that offer a bonus for switching if the account your are switching from has no dd's or sto's set up?
Santander anniversary date?
Hi guys I opened a Santander 123 account last month.. Email from them 30/1 to say application received and another to say account opened First deposit into the actual account was 6/2 I know they class 'their' month from the anniversary of account opening........just want to double check that is 30/1? also as there is no…
More questions than answers perhaps I'm trying too hard!
Having read many posts, I would really value some pointers with setting up multiple saving accounts and managing the monthly circulation of funds. It feels like mental gymnastics trying to feed different accounts, at the right amount at right time in the right account. I am trying to manage my pension lump sum which is…
Which Browser for First Direct £150 switching bonus?
I've tried Chrome and IE but can only get offered the £125 switching bonus. Has anyone managed to use a particular browser to offer the full £150 bonus? Thanks in advance :)
Is HSBC down again
Anyone advise,I cannot get online banking again
Lloyds Private banking free club Lloyds ?
Whilst Browsing the LLoyd's Web Site, I came across this: "Automatic refund on £5 monthly Club fee for Private Banking clients" Does this mean that Private Banking clients do not have to pay in the £1500 per month or have 2 Direct Debits like standard accounts do to avoid the £5 fee.
Which debt first?
I have two sets of debt and I have the opportunity to clear one. Lets assume I have no opportunities to stooze or overpay on either and have no savings Credit Card - If I clear it, then I do not have to worry about interest after the interest free period ends which is next month. If I leave it, then the APR is roughly 18%…
help please
I sent £30 to my tesco account from another bank online this after noon,but i just looked at my tesco acount and nothing there as i made mistake and one number of account was wrong ,so i didnt know ,but money already left my first account,so where this money gone?to someone else? can i recover this from bank? the sort code…
Halifax \ Bank of Scotland basic account - pay at pump
Does anyone have either basic account and confirm whether or not the visa debit card works at pay at pump.

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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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