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Budgeting & bank accounts

Archives for October 2018

Your emptied Club Lloyds account still needs funding
If, like me, you shifted all your 1.5% savings into Marcus, then you probably left the old accounts in a dormant state in case circumstances change in the future. Well, (not 'So,') the banks won't be treating them as dormant so you need to continue funding to avoid the monthly fee. I think there might be some who haven't…
Bank switch loss of paycheck
I recently switched my bank account from Halifax to nationwide. I was living in my halifax overdraft and decided to sort my life out and open an account with no overdraft facillity. My paycheck went into my Halifax account before the switch. However i then find out that my halifax account is now closed and my wages have…
Metro bank
MSE is often praising First Direct Bank regarding it's satisfaction and service, and listing other banks in order of score in that regard. I notice that just very recently First Direct have been placing full page ads in national newspapers trumpeting their topping of a 2018 national poll and showing other banks below them…
Question about Barclays account overdraft
Hi, My current account is with Barclays and I have a £500 overdraft... however I always incur some fees for using this overdraft. I just want to know if the bank is right I’m charging me fees for using the overdraft.
direct debit for my daughter Puregym when classes get contantly cancel Can i claim it back and how?
need help my daughter sign up for a membership with PureGym when she was 16 years old and she put my name for the direct debit as she is a minor, the last 2 month they have constantly cancel classes every time she booked it and most of the months due to maintenance work they cannot run the classes that my daughter wanted…
Banks preventing fraud
I do not mean this as a "rant". I genuinely want to know the answer to this. I have just spent half an hour going through the following to "verify" that I'm not trying to commit "fraud". My question is can anyone give a real life example of how it prevents "fraud" to do the following (please don't just say it is to prove I…
how to pay a regular subscription in usd from a uk bank
I am considering subscribing to software which requires a monthly payment of 10 US Dollars. The software company tell me that they can directly debit the amount from my debit or credit card, and they don't make any charge. The UK bank (Natwest) says yes that is possible, and the exchange rate would be the bank rate…
More duplicate payments
Hi all I've had more duplicate visa payments posted on my bank account. Third time since the end of August so formal complaint put into Natwest to ask why this keeps happening. Not huge amounts being taken twice but not the point. Anyone else noticed this again?
Spent money in store, not been debited.
Hope I put this in the right place! The OH and I were at a supermarket yesterday evening and usually when we pay by debit card the money is taken straight away. However, the money wasn’t even debited. The money in her account is the same as her available balance and she’s at a loss. Was she not charged? Might be an…
Money paid into closed bank account
I have an account with BoS and on Saturday (27th) i made an online bank transfer of £150 in to my brothers BoS. Unknowingly to me he had closed his account and is now with Santander. I phoned BoS immediately after making the transaction and they filled in a form with the information of both my and my brothers BoS bank…
TSB Compo from April's outage - RESULT!
Over £400, just saying!! :beer::beer::beer: To be fair it was a nightmare for us, plus I had to spend quite a bit of time on the phone to them a few months back to explain how it affected us. So, if you complain in writing, with the correct facts and are patient, it can pay off. :money:
Halifax on-line application problems -anybody?
Hi all, I tried to apply for a reward current account with the halifax several weeks ago, I also opted to use the switching service for the £75 credit. I was using my home pc, edge browser using win10 got to the very end of the process then got a swirling wheel saying something like we are just submitting the application -…
My First time switching Current Accounts Need Help
Hi all, This is my first post and I have looked at the best current account switch for me and I've decided to switch to First Direct. To get the incentive I need to pay at least £1,000 into the account within the first 3 months. I currently have £300 in my current account If I switch to First Direct does that mean I only…
Opening a kids bank account without going into a branch
Are there any banks that offer this? I am trying to open a simple current account for my 13 year old and getting to a branch is really tricky. All the banks require the child to be present in a branch even if the account is opened online first. i understand it must be a identification issue but have any banks found a way…
Compensation for bank error
Hi all, Very strange scenario has occurred with Halifax MasterCard. My credit card was declined in a shop yesterday and then declined again today whilst trying to make an online payment. I phoned customer services and to cut a very long story short, they have accidentally blocked my credit card instead of someone else’s.…
Need barclays bank statements from 2003 to 2009
Hello, it's a Sunday so their helpline are closed. I was wondering whether it's possible to get statements from barclays for the years above just for the month of August. I need it for a card protection insurance claim. I have the statements online from 2010 onwards. Curious as to whether barclays would keep these older…
Is There A Minimum Balance ?
Hi guys got a monzo and barclays current account, money is a bit tight until payday and want to know if i have £0 in either of my accounts is this ok ? THanks :beer:
HSBC Bank Account £75 Switching Offer
On of the condition is "Instruct us to start a full switch of a current account with at least 2 Direct Debits/Standing Orders using CASS within 30 days of your Bank Account being opened." Is that mean 2 Standing Order is sufficient? No Direct Debit. there is a word "OR" there. Only 2 standing order is fine?
Employers kept my old bank details?!
So I am paid weekly every Friday into my bank account, and in February this year, I advised my employer of new bank details for them to be paid into. They promptly updated this and my wages were then paid into my new account with no issues. Last Friday the 20th they for some reason paid my wages into my old account that I…
Lloyds Group voice recognition and their ever lengthening phone banking
I rarely use phone banking and when I do it is because I quickly need to use the automated system or speak to someone. I called this morning and discover Lloyds group has also gone on the voice recognition bandwagon. Since when has this been on? Do most customers even want this or like me do they skip it each time? I…

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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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