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Budgeting & bank accounts

Archives for October 2019

Are these switching offers actually getting banks more customers?
I was just wondering if, at the end of it all, the banks are actually going to see a net increase in customers as a result of these switching offers or if equal numbers of customers are going to switch from bank A to bank B and from bank B to bank A so that the banks just end up with the same number of customers (excluding…
Nationwide Overdraft Help.
Hello Nationwide have told me I have to pay back my overdraft within 4 weeks. I don't have that kind of money lying around. They said they can set up a payment plan where I pay so much back each month to pay of the OD. But in doing this, they will put a mark on my credit file which lasts for 6 years, preventing me from…
Packaged bank account reclaim - Lloyds or TSB
Apologies if this is in the incorrect section. I believe I was mis-sold a packaged account back in 2000 when my bank was Lloyds. I was told I could only have the loan I required at the time if I took the packaged account and I have the statements to support the change of account around the same time as the loan payment. My…
Banks and questions
Today my father took out £20k from his account and have £10k each to myself and my brother. He was saying when he was down in the bank he was asked several questions. One of which was what is the money for? His reply was quite sharply it’s my money and I can do what I want with it! When I lodged the 10k into my bank…
Hallifax On line Banking
Hi, Anyone else having a problem tonight logging into their Hallifax on line Banking? I get a message saying wrong Username or password,but am inputting the correct info!
Curve Card - Opinions
Apart from the obvious (carrying less cards) are there any real benefits to the Curve card? If you are following the sound advice of the experienced members of this forum, and always have a second (or third, or however many you feel the need for) card as a back up, you would always be carrying more than one card, so why…
Co-op transfer to Octopus
Having been informed that co-op are transferring their energy business to Octopus I raised the issue of how bills can be paid going forwards. Chose current tariff etc as it was possible to pay at the local post office. I was told that Octopus would be honouring this. Having received an email from Octopus now advising that…
Metro Bank in branch cash withdrawal ?
Last week I went to my local branch of Metro Bank to withdraw some money from my account over the counter . I handed them a letter I had from Metro Bank with my account details on it and told them the amount of money that I wanted . They handed me the money and that was that and never asked me for any ID to prove that the…
Starling enables Euro Debit/ATM functionality
Starling have enabled the linking of their Euro (EUR) account to their debit card. You may have to update your app and manually link select the debit card when inside your EUR account. No fees that I can see for the personal current account other than the 0.4% fee already in place for GBP > EUR transfers. This should make…
Contactless payment not taken
Few week ago I went to a local restaurant that I go to fairly regularly. I paid contactless, declined a receipt but saw the owner put his copy in the till. The next day I checked my statement and noticed nothing was pending. Thought it was odd as usually it appears on there, but knew sometimes contactless payments don't…
Nationwide switch query
Hi Last year I referred my OH to switch his current account to Nationwide. He did and we both received £100. Can he, in return, now refer me to switch another of my current accounts (TSB) to the Nationwide, so we both in effect get a further £100 each? This current account has active direct debits so will meet their…
Santander Credit Card Login
I've had a santander current account for a number of years. I recently signed up for a santander credit card. They have sent me a new personal login. (rather than use my current one). I had the option to change it to a different personal ID :o I thought about changing it to my other login number, but got worried I might…
Revolut - Frozen accounts and poor customer service
I have had a Revolut account/card for around two years now. Upgraded to Metal (monthly charge) when it became available and have been (for the most part) happy. In January 2019, Revolut froze my account for a "source of funding" review. Although not welcome at the time, Revolut accepted scanned copies of my self-assessment…
Direct debit
can any 1 tell me who is at fault when a customer gives 4 week advance notice to cancelled a DD to natwest bank online and the merchant via phone call and a new DD set up for a smaller amount and later date letter from them dated weeks before to confirm the new DD but the dd still goes out on the old date and amount and…
Barclays Mobile Banking App
Have any other Barclays Mobile Banking app users had problems updating the app in the last few days ? My phone has Android 6.0.1 software installed. I was on BMB app v 1.96 but from last Friday as it loaded it told me I should update it. The app wasn't even showing up on installed apps in the Google Play store so no luck…
Lloydsbank website down?
Is anyone else experiencing issues with lloydsbank.com? Website is currently unavailable.
closing an account with an active card payment subscription
last night I saw an ad for snackcrate, the ad claimed that it was £1 for the first box, and you could cancel anytime so i thought "why not, i'll have a £1 box and then just cancel it" so i signed up to it, paid £1 using my monzo account then for some reason decided to have a read through the comments section on facebook…
MPs demand action over rise in online bank crashes
Source: BBC MPs have condemned the level of IT failures at banks, warning that financial levies on firms and more regulation may be needed. A Treasury Committee report said the frequency of online banking crashes and customer disruption was "unacceptable". The report, published on Monday, said with bank branches and cash…
Best Intelligent Finance alternative
Hi All, I have had an Intelligent Finance current account for the last 18 years and it's really good. I have a £4100 free overdraft (except for the 10% apr - no daily fee) which I use occasionally. Lloyds Bank are not putting any work to modernise it and I would like to use Open Banking with my account. So the question is:…
Changed my mind.
Changed my mind - I don't want to ask this question here. Sorry.

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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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