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Budgeting & bank accounts

Archives for October 2017

Tesco instant access withdrawal issues?
Anyone else attempt to withdraw money from their Instant Access or Instant Access Savings accounts over the weekend and the money hasn't reached the destination even though it states on the Tescos statement it has been withdrawn? Have tried a dummy withdrawal from a Tesco current account this morning and that worked fine.
Will a bank allow my sons wages to be paid into my account.
This is the first time I am posting on this forum as a concerned Dad. My son recently made a massive error of judgement and will now pay the consequences for the next 6 years. He recently allowed someone to use his bank account who carried out fraud. My son is 19 suffers from ADHD that sometimes makes him make some stupid…
Cheque Clearing Times
Hey I though it would be interesting to start a thread on the new cheque clearing system that is meant to start tomorrow (30th October 2017). Given that next day clearing was announced in March you would have thought a number of banks would be ready, but that does not seem the case. From my research of banks I deal with I…
£250 to transfer to Yorkshire/Clydesdale bank for N&P customers.
Tried it - My email to them below. My wife and I have a current account with N&P You take over N&P and tell us it has to close I see there's an offer to transfer non-CYB current accounts to 'B' for £250 We open a 'B' account The on line transfer service doesn't work I phone in and after 40 mins on hold get told that N&P…
no suitable section - factoring invoices
Has anyone found any factoring for very small businesses?
Opening current account specifically to use with the Current Account Switch Service
Hi all, I’m opening a new account with Clydesdale, but I’ve just realised I don’t have a current account with another bank that I’m willing to fully watch over. I can open a current account pretty much instantly with my current bank, is there anything to say I can’t open an account with the view of using it straight away…
Can I get my money back?
I signed up to a free trial of a subscription service. Two days before it was due to renew I cancelled and was told nothing would be charged. However, today I received an email from them thanking me for my monthly subscription payment of £200. I checked my Halifax Current Account online banking and it's showing a £200…
Pay Pal Query
Apologies in advance if this is in the incorrect section. I recently rented an air bnb property in Ireland and the host has kindly sourced me a book on the local area that was in the cottage. It is isn't clear on the paypal site or at least not to me whether or not she will be charged if I use the send money to family and…
What about "non-switch" straightforward new customer bank account deals?
We're looking to open a new joint account , for household bill DD's mostly. We each have a current account and don't really want to switch these. Having looked around all I can find are "switching" deals and no offers or incentives for new customers opening accounts direct. Any ideas?
Automatic switching - list of payment recipients
I have read that if you use automatic switching then all your standing orders and direct debits are moved automatically. I have a long list of accounts which are occasional recipients of payments (family, friends, tradesmen, suppliers etc.). Are these also transferred automatically, or would I have to copy them all from my…
Is it too late to downgrade a San123 current a/c if fee is due tomorrow?
I've opened the PO 1.27% instant access a/c for my mother and so want to downgrade her Santander 123 current account to avoid the fee, due on the 29th. If I do this today, will we retain most of this month's interest but avoid all of the fee, which I presume is levied in arrears? On online banking, there's only a link to…
Tesco Bank Internet Saver - funding by direct debit to cease from April 2018
Tesco are changing their T&C regarding the funding of their Internet Saver. The change will be effective 22 April 2018 and you will no longer be able to fund this account by direct debit from that date. Customers are being sent out booklets about the changes. If you are using these direct debits to meet other current…
FlexPlus Mobile Insurance and iPhoneX
Hi I was one of the lucky ones to get a pre order iPhone X to replace my old iPhone 6s. I went for the 256gb but have now realised (yes I know this is my fault) that my Nationwide FlexPlus insurance only covers phones up to £1000. Mine will be over this. When first setting up the bank account to cover the iPhone 6s I never…
Halifax Error Keeps Occuring
When I try to log on to Halifax it keeps giving me this "Sorry, we've had to sign you out [Error: 18.3f33dd58.1509142150.5a6e506]" Everyone in my family gets the same message. When I turned on a VPN to change my IP it started working. So I know this has got to be an IP error. I haven't done anything, can anyone tell me as…
Rbs loose ‘early pay day’
Rbs e-mail. I’ll miss early pay day when due on a weekend from Jan2018. Coninsedence that today wages are in account when pay day is tomorrow.
Switching to Clydesdale/Yorkshire again
My wife and I had a joint Yorkshire Bank account up until August last year when we switched to get HSBC's £150 + £50 incentive. However, with their £250 switch incentive, my wife is switching her sole TSB account to Clydesdale as a sole account (we've got married since we had a YB account). Will she qualify for the £250…
HSBC Advance Account-Experience
Hi everyone, I though of sharing my experience of applying for the HSBC Advance account. I applied initially online on Monday 23rd of October. While applying they offered me up to £3000 overdraft limit (free for the first 6 months), which I couldn't believe! I though I shouldn't be that greedy and asked for £2000 instead.…
Business bank account with poor credit history?
I'm a discharged bankrupt (discharged May 2016), and whilst my credit rating is improving steadily, it is still poor understandably. My only bank account is a personal, basic Nationwide account. I'm launching a start-up business in the next few months and will need to open a business bank account. I don't need anything…
MSE News: MSE's Bills Tracker shows latest rises in cost of household bills
Household bills and expenses are continuing to rise, as this month's MSE Bills Tracker shows an overall increase in costs for the average home of 2.4%...Read the full story: 'MSE's Bills Tracker shows latest rises in cost of household bills' Click reply below to discuss. If you haven’t already, join the forum to reply.
Tesco direct debts stopping.
Hi got letter today from tesco about changes to terms and conditions on saver,saving accounts. one says "From 22 april 2018, youll be unable to set up new,regular or one off direct debt payments, All existing direct debts set up on your account will be cancelled" looks like it over using them for your direct debts after…

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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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