-
Benchmarking
There have been two recent threads on benchmarking; How much spare money do you have each month? and How much do you earn? I have often felt that the Budgeting and Bank Accounts board is dominated by banking posts and light on budgeting. I see a distinct gap in the personal finance planning sector on benchmarking and best…
-
DPA breach with a bank
Hello, I'm not sure if this is the correct forum or not but anyway. I'll try and keep it brief back in the summer of 2015 I went volunteering in south africa. Unfortunately I lost my bank card. I called up and cancelled it. I arrived in manchester airport with no cash, so got my friend to pay for a taxi over the phone for…
-
Best Buy Bank Accounts that are for new customers - not switching
I see a lot of topics about the best switching deals, but i am looking to just open a new account to use for our household spending. I will be depositing £800 a month from a standing order from our joint account - any recommendations? Overdraft is not important, I can set up a few direct debits to come out if it gives me…
-
U switch to new account while still overdrawn?
Hi, currently bank with Halifax and have a £1200 overdraft which I end up being at the limit every month and making my finances difficult to work thus can't seem to chip away at it. My plan was to open a account with first direct with no overdraft and use the 7 day switching service to move over all my direct debt, wages…
-
Banking Online
My wife and i have several Barclays accounts but want to use their online services as going to the local branch isnt always convenient, we have never done this before so can someone post a link for this. I would google it but am never sure if the site is legit. ATB Alan
-
Free Business bank accounts
Hi, I'm looking for a small business bank account that offers free banking. About a year a go I saw a couple of banks that were n't high street banks who offered this facility as long as you left £2000 or £5000 in the account but now I can't find them. Does anyone know of an account like this Mike
-
Anybody using Resolver...?
Just wondering if anybody is using this tool? I am complaining to Lloyds Bank for a missold Silver account. I entered the details on Resolver on Monday (8th May) and have had a voicemail left from Lloyds Bank on my mobile this evening. I would like some advice please, do I need to speak to the bank or should they be going…
-
First Direct £125 Query
Hi All, I just wanted to double check something. I've read through the terms and conditions for switching to First Direct. I have a dormant account, if I use it to switch and pay £1000 in I get the £125, is this correct? Thanks
-
How often do you visit a bank branch?
Bank closures have happened across the city- even London has lost a number of bank branches in recent years. http://www.thisismoney.co.uk/money/saving/article-4029140/Mapped-1-000-high-street-bank-branches-closed-just-two-years-HSBC-cut-quarter-network.html
-
Basic Bank Account or Card with Direct Debit
Am a hearing-impaired (no phone), 83yrs-young bloke, renting (no utility bills in my name), a passport and photocard driving licence which are no longer needed/used/renewed (can't get out much), no debts/cards. Have one of Yorkshire's current accounts, which they're now cancelling and won't offer a Basic Bank Account. Can…
-
Halifax P60
I have just received my Annual Reward Summary and was surprised to note Halifax have paid tax @ 20%. I guess HMRC regard this as other income? Those who earn less than their tax allowance could reclaim a very small amount and those paying 40% will have an additional liability.
-
Which bank account without online spending?
Hey guys, Basically I am in a large amount of debt. I could easily repay it over time. But my issue is online spending! I've had the debt for a long time and it's time I change my ways. I've been hunting for a account/card that I can use for cash withdraws only and top up by direct debit from my Halifax account. But…
-
Paycars
A friend of mine has defaulted on a mobile phone contract and has now got a letter from a debt collection agency called Creditlink Account Recovery Solutions (Paycars). The amount is for £26 so I said I would pay it for him until he gets a salary from his new job. However, I have tried numerous times to get on their…
-
Deposit Only Bank Account Options
Hi all, I have a friend who is going through some personal issues at the moment and I have agreed to hold some of his weekly pay checks in a separate account independent to my own regular one (in my name of course) till he can deal with what he needs to and hopefully take over responsibility for his own finances again…
-
Does M&S Bank Current Account have a minimum income threshold?
Just out of curiosity does M&S have a minimum income threshold to open an account?
-
Stuck With A Foreign USD Cheque After Co-op Bank Change
Co-operative bank sent out a letter on April 21 to ay they will no longer accept US dollar cheques from May 5. Previously I'd just deposited these into my current account and there was an 8gbp charge. But shortly after the letter arrived I had a cheque for 127usd also come. Now I am stuck with it and as I don't have any…
-
Becoming adults
Apologies if this is the wrong forum! I am finishing a university course in a few months and have my job lined up. Me and my partner both live with our parents (late 20s) and are looking to move in together - renting. Our combined income will be around £3700 per month after tax and before overtime. Where on earth do we…
-
NatWest electronic transfer: ‘DAILY limit’ on my current account.
I’ve asked the NatWest on several occasions to increase my ‘DAILY limit’ for electronic payments to my nominated ‘payees’. However, they’ve told me it can’t be increased and won’t (or can’t) tell me how my personal ‘DAILY limit’(£20k) is actually set. From time to time I need to move large amounts of cash (at very short…
-
Post Office banking
Have any of you tried using the post office for banking with another bank ? (Supposedly the PO now allows all other UK bank services in most branches !!!) I tried to pay in a cheque at my local PO - this morning into my Nationwide account and was told that I needed a "paying in slip" And where do you get "paying in slips"…
-
Upgrading bank account
I have a FlexBasic account with Nationwide (my wife banks with them, but we couldn't do the £100 referral fee thing). I want to upgrade this to a FlexDirect account. Would this show up on my credit file negatively if I did upgrade? Also, I assume that I couldn't simply open a new account as part of a referral from my wife,…
