-
overdraft and direct debits
I have an arranged overdraft of £300 . I'm coming to the end of my maternity leave and will more than likely need to use my overdraft until I get my wage back when I'll pay it off. Will my direct debits go out as normal if I don't have any money in my bank? Will they use my overdraft? Obviously I need my direct debits to…
-
Utilising the switching benefits
Just wanting some advice. Hoping to utilise the switching benefits of some of the current accounts out at the moment. Hoping to juggle a few different accounts at once. At the moment my DH and I only have the Santander 123 current account and credit card and I feel these give us the best ongoing rewards with cash back…
-
Removing Cash from ISA
Many years ago "endowment policies" were the way to save and fund mortgages. At the time these worked for me to the extent that they did indeed generate enough to pay off the mortgage and leave me excess funds that I have invested into cash ISA's. Now these policies have nearly all been paid out and I have a decent sum in…
-
First Direct current account
Hello all, I'm hoping to take full advantage of the first direct £150 switching service as well as their 6% regular saver however I'm wondering if the £1000 pay in can be met between accounts? I'm paid £800 and something depending on the amount of weekdays so if i pay into my halifax account(qualifying for the £5) into the…
-
Switching Banks!
Hi All, Iv recently switched from co-op to HSBC to get the £120 switching reward, I keep this account to put money in which I use at xmas time so its not really essential and basically use it online only. As HSBC gave me the £120 switching bonus after a day of switching I have satisfied HSBC pay in of £500 this month. Is…
-
Switching from HSBC to 1st Direct
Does anyone know if i am still be eligible for 1st Directs £150 switching reward, if I currently bank with HSBC? I was on there website and it mentions they are a division of HSBC and it threw me a bit.
-
RBS: Moving from student account to graduate account
Hi forummers, I'm in my final year of university and have had an RBS student account the whole time I've been here. I know that when I graduate my account will transfer over to a graduate account, and I have secured graduate employment beginning in mid August. Now as you may be aware both of these accounts offer interest…
-
'Cascading' advice wanted
I have a number of bank accounts offering higher interest, which I fund each month by sending money to each from my main bank account and back again (several days later) via direct debits. I want to change the method, so I' m using the same money to go into each account (I have heard this described as cascading), I have…
-
santander email?
I want to send them the email below - does anyone know what it is? I have decided I don't want to send a letter as I dont want them knowing my current address, as I'm guessing they will ignore me and harass me with threats instead, but I gotta give them the benefit at first. If the "closed date" is correct then it only had…
-
Overdraft
Just had a letter from bank they are reducing my overdraft, after a review, from a high to lower one because i don't use it. Had this for a number of years and never had it reduced before. Does this have any impact with other lender's or credit agency's or indeed with my own bank. I have very good CC limit's.
-
HSBC to offer new voice/fingerprint ID system
More coverage: BBC Telegraph Guardian Of course, TouchID is nothing new and already offered by HSBC and others but this voice thing seems new (though it looks as if Barclays has used something similar on a smaller scale) Regards Sunil
-
Tsb contactless paying energy bill
Has anyone any idea why my tsb contactless card won't work at the post office to pay my sse energy bill.
-
Hideous new Adam and Co website
What have they done? It looks off the shelf, terrible. https://www.adambank.com
-
How do I pay someone in USA in dollars?
We want to rent a condo in the USA for our holiday. The owner has asked us to send a cheque for the deposit, but our bank can't give us a dollar cheque. The owner hasn't got a paypal account so how can we pay her without incurring large fees? Thanks
-
Account switching and DD's
So i'm in the middle of switching from Barclays to Nationwide and its due to complete on Tuesday however the DD, SO's and all one off payment info is now showing on my Nationwide account and still on Barclays. I'm assuming this is normal and that if a DD fell due during the switching period it wouldn't take payments out of…
-
Switching from Santander
Hi I'm considering switching from Santander to Halifax as with the new increase in the fee I'm currently paying them for the use of the account. I don't have any savings with them so its no use staying with them. I was considering Halifax reward account due to the cashback bonus. However I currently have 2 credit cards…
-
Paying a big amount by debit card
Soon I will be paying the rest of the amount of a used car in the showroom. The amount is £5000, which will be paid by debit card. Paid the deposit a few days ago to secure it aftet a test drive. After putting my pin in the card machine to pay the remaining amount of £5000, what would usually happen: 1. Bank blocks the…
-
Best account
Hi all Spending some time rejigging my accounts to make best of what I have. I have no savings at present hopefully this will change but for now.. I have a Halifax current reward current account, a Halifax reward credit card and a basic second current account I also have a hat west account that I plan to upgrade to rewards…
-
minimum payments to waive monthly account fee between Lloyds and TSB valid?
Good evening, I have been following Martins advice and have been bouncing £1500 between my Lloyds and HSBC account for a while now to waive the monthly fee. I have recently signed up to TSB and closed my HSBC account for the better interest but am wondering since Lloyds and TSB were once linked companies, would the money…
-
Switching to Halifax from Nationwide
Hi, I've googled this query until I'm blue in the face and got nothing..... Please forgive rambling, I'm new :-) We have opened Halifax Reward account after 8+ years with Nationwide (think we're FlexDirect...) with promise of £125 plus £5 a month (min £750 in, 2 DDs, stay in credit). All well and good. Then it occurred to…
