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Do switching bonus`s count towards your personal saving allowance
I assume payments like the £250 switching bonus (for a switch to a B current account) do not count as interest payments. Previous threads on this subject concur it is not an interest payment. Therefore it does not count towards the £1000 tax free personal savings allowance and is not included in tax returns. Am I correct?
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Unsolicited Refund of Fees x 3??
Can someone shed some light on this. I called up my BS (Nationwide) to complain about a transaction charge they had levied that I deemed unfair and the lady agreed to refund etc, this may or may not be connected, however I have now noticed that one of my other accounts has been credited 3 times by £13 each time. The…
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Advice on how to budget please?
Hi all I have been successfully tracking the ins and outs when it comes to our money for about 10 years, but although every year I attempt to budget there appear to be some things that I’m not good at budgeting for. I appreciate that the aim is to keep within a budget, and for most things we do, but it seems easier to keep…
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Advice needed-Santander-not happy with all money in one place...
A few years ago we moved all money from ISA and First Direct to Santander 123 for the 3% offer. I don't like everything being in one place, plus interest now at 1.5%. I'd like to put the savings away again so I can't see them. I'd also like 3 separate accounts, 1 each for me and other half to save a little each week for…
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RBS digital online-Chrome not working (tho Explorer dose)
Anyone know about this problem (for me) of Chrome not working when trying to log in to rbsdigital? Can't even get from the RBS site what telephone no. to phone about digital banking (if anyone has this please let me know). Theire ask a question is totally dumb (can only answer a handful of questions and when it says it has…
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Faster payments why do u get paid early?
So I bank with nationwide and in Septemberi was working for a big reputable agency and was advised I would be paid on Fridays but I was paid every week on a Thursday around 2pm, I thought it was the agencies side that was faster but I've again started work for another big company and should be paid tomorrow but my funds…
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NatWest £125 switch incentive
Just as I thought I'd exhausted every bank...up pops NatWest with a switch offer! £125 for switching, and no direct debits required. All you need to do is: * switch a non-NatWest account * deposit £1,500 * log into online or mobile banking All before 16 March (although you need to apply for the account by 16 February).…
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Is a Verbal Apology Enough
Hi All, I had a data protection breach last year with a bank but this is a little more complex and I was hoping for some help. I setup and new mortgage with my bank in 2016 and I asked the mortgage advisor if all corresponding documents from the bank could be sent to my new address (the mortgage I was setting up), I was…
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Bank Charges - Danske Bank
Hello, Over the past 6 years I have been paying rediculous bank charges with Danske Bank/Northern Bank, It has left me short each month and there is never an end with these charges. Over the past few years they have sometimes whipped the overdraft off my account, Can I still claim back some money that I have paid in the…
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Direct Debit Guarantee Refund
Just looking for some opinions, as I can't see anything in the past 5 years on a search. I had a direct debit taken in error, as the payment had already been made manually. This put me from credit into an unarranged overdraft smack bang in the middle of a mortgage application. The company acknowledged this and suggested…
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nationwide switch
nationwide switch completed today , but when i get my £100 switch bonus ? do i have to pay £1000 to get it? or just active direct debts?
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Letter from Customer Contact Resolution Ltd
Letter from Customer Contact Resolution Ltd Hi to all MSE forum readers! Recently got a letter from Customer Contact Resolution Ltd Looks and sounds dodgy frankly speaking... Just wondering whether anybody came a cross with them in the past? Appreciate your time and response :) Customer Contact Resolution Ltd Clifton House…
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Coop on line banking
Not used this for a while my account with coop bank was registered on line but today i tried to get on . All i need to know is what to use as my username ? I have all my details written down but i am nit sure if my account number is my user name ? Can anyone advise
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Open Banking explained
Hi! This is the discussion thread for the Open Banking explained guide. Click reply below to discuss. If you haven’t already, join the forum to reply. Thanks folks,
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Online Banking: is onus on user to ensure OS or software is up to date ?
Should an online bank account or maybe even a credit card account or any other online account be compromised, hacked and funds lost, stolen or fraudulent transactions incurred, could the online bank or organisation refuse to refund/reimburse due to the account holder accessing their online account via a mobile phone,…
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Childrens current account with card
I have a financially precocious 7-year-old child. They receive £2 a week pocket money, plus money from birthday or other gifts. I look after the money for them, but they know at any time exactly how much money they currently have! It's never a huge amount, but at present is over £60. They have a junior savings account with…
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Fraud?
I have no idea where this topic would really go so if it's in the incorrect place, please let me know :) I am writing this on behalf of my mother, but a few years ago some strange things started happening. We were being sent magazine subscriptions to the house, in her name, all charged to her account. Some were like…
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Which bank is the worst at blocking cards?
NatWest seems to like blocking cards out of the blue for small, insignificant transactions to legitimate businesses. And they seem to only like telling you by sending you a letter to say your card has been blocked. Lloyds on the other hand seem to have no problem with cards being cloned and used hundreds of miles apart in…
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Switching from Nationwide
Hello, I’ve been a life long member of Nationwide. But, becoming more money savvy in 2018, I realise it’s not doing much for me. I currently, have a flex direct account and don’t earn any interest or any incentives. I also hold a credit card with them at 17.9% interest. My questions are 2fold. 1. Are there bank accounts…
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Sub Accounts
ML was talking about sub accounts for budgeting and putting money in on a regular basis to build up pots of money that can be drawn against to pay for holidays etc. Can anyone recommend a building society/bank that offers such facilities? Thanks
