Budgeting & bank accounts

Archives for November 2019

Barclays Standing Orders - Can't add Glasgow Council Tax SO
Hi, Once again, I'm frustrated by the useless and completely stupid Barclays android app. I just tried to create a Standing Order to pay for my Council Tax Bills (Glasgow Council). However, Barclays seem to think all references start with 06, but mine does not (and I know that almost none do!!!). I can't enter the…
CIFAS Application Fraud
Just got SAR back from CIFAS to find I have 2 markers for ‘application fraud’. Will all my accounts get closed? The reason is inconsistencies in applications. It’s not a ‘first party fraud’ marker though so I’m hoping this won’t affect me other than anything I apply for myself being triple checked with extra ID ect to make…
Direct Debit - set up in 2015 and first payment just taken
Hi Does anyone know, or can anyone point me in the right direction to find out how long a company have once a direct debit has been set up to actually take the first payment. I set up a direct debit in 2015 apparently and the first payment has only just been taken last week. The direct debit was for 9 payments of #9 per…
Lloyds SNEAKY debit card payments
As I try to keep my Club Vantage account topped up to JUST enough to maximise the interest I can earn, Ive noticed that just recently (last few months) Lloyds have started debiting the debit card purchases very late at night so that your balance dips below the optimum for 1 day for each purchase. OK so it's not the end of…
Referring and switching
Hi I have a current account with Barclays which my salary gets paid into and a linked savings account, then I have a Santander 123 Lite which I pay my mortgage and bills from. I’m just wondering if I could capitalise on the fact my mum has both an account with Nationwide and TSB by her referring me to get a switching bonus…
Tandem Credit Card
Both myself and my wife have been rejected for a Tandem Cash Back Credit Card Its the first time either of us have been rejected for any credit that we have ever applied for Finding it a bit strange...any one else in a similar position with tandem??
Over 115,000 HSBC and Santander customers owed overdraft charge refunds - MSE News
HSBC and Santander are to refund more than 115,000 customers after failing to alert them via text when they went into their unarranged overdraft...Read the full story: 'Over 115,000 HSBC and Santander customers owed overdraft charge refunds' Click reply below to discuss. If you haven’t already, join the forum to reply.
HSBC and Santander to refund customers after CMA action
Source: https://www.gov.uk/government/news/hsbc-and-santander-to-refund-customers-after-cma-action HSBC and Santander have agreed, following CMA action, to refund customers after they both broke a legal order. HSBC was found to have twice broken Part 6 of the Competition and Market Authority’s (CMA) Retail Banking Market…
Banks to stop counting overdrafts as ‘available funds’ – what you need to know
Three banks have changed the way they show customers' 'available balances' this week, and at least seven more will by mid-December, as the financial regulator brings in new rules on how overdrafts are displayed to customers. But some HSBC and First Direct customers have been left confused by the new changes and worried…
U Account help
Hi New to this i am at my wits end with u account and don't know where to turn was hoping somebody on here would be able to advise I use u account to bank with have been for about a year or so and haven't had any problems up until now I attempted to transfer a payment from my PayPal account into my u account. The payment…
How much compensation to ask for
I live in a flat in a large house which is divided into 4 flats. The four flat owners have a small company to manage the flats and an associated business bank account that is used for maintenance money, insurance etc. The bank account is with one of the main banks and since June they’ve been pestering us with requests for…
TSB branch closure list
In the news recently that TSB is closing 82 branches Just FYI - here is the list released today. Maybe Lloyds might like to buy some of them back! https://www.bbc.co.uk/news/business-50585536 My local one was originally a TSB then it became another Lloyds branch when they took over the TSB, located about 300 yards from a…
How to cash in cheque in USD?
(Sorry if this is the wrong place, wasn't sure where to put this!) Annoyingly, I recently paid for a hotel in GBP and had a shocking experience with them so claimed for compensation. They gave me a 50% refund, which they provided in the form of a cheque in USD... I tried to cash this in at Nationwide but they don't accept…
HSBC £75 Switch Bonus
I have opened an HSBC Bank Account today but as yet have no details of account no, sort code, etc until either emailed or posted to me. When filling in the application online I answered NO to the question of switching in another account because I didn’t want any switch to complete until 24 December. I didn’t realise that…
Bank charges for money transfers
Anyone got some advice on transferring money avoiding outrageous bank charges. To cut a long story short trying to close a Pound Sterling account with Raiffeisen bank in Prague, probably one of the worst banks, I've ever dealt with, high charges and various instances of incompetence in the past. So transferring money to…
reward accounts advise..
Hi i have a reward account which pays me 2% back on my direct debits. wondering if some one could advise better accounts to which i should switch. i am looking for an account with interest free arrangements. many thanks...
Where are posts about budgeting?
I am very interested in budgeting but this forum seems to be mainly about bank accounts, should I be looking somewhere else for budgeting? I can't believe no one else is interested in it so I assume maybe it's somewhere else? Apologies in advance if it's a stupid question!
Self bank recommendation
Has anyone recommended themselves with referral link for a second bank account with the same bank to bag both recommendation bonus?
Natwest and RBS to scrap Reward cashback from 01 Feb 2020
https://www.which.co.uk/news/2019/11/natwest-and-rbs-scrap-reward-account-cashback-will-you-earn-less/
Free International Bank Transfer?
Hi there, I have to make regular payments of differing amounts to accounts in Spain and France. If I use my bank account (Halifax) I get stung with a £9.50 transaction fee each time. Does anyone know of any accounts I can use where I may be able to make free international transfers or, at least, at a lower rate than this?…

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MSE News

Martin Lewis: A trick for Shell Energy (and Octopus) customers to make some money
If you're a Shell Energy customer, you could make £50 with an easy trick shared by MoneySavingExpert.com founder Martin Lewis on the latest episode of ITV's The Martin Lewis Money Show Live.
British Gas extends half-price electricity on Sundays offer for some smart meter users until March 2024 – here's what's happening
British Gas is extending its offer of half-price electricity on Sundays for some smart meter customers until 29 February 2024.
Octopus Energy buys Shell Energy UK – here's what you need to know
Octopus Energy has agreed a deal to buy Shell Energy which, if approved, will see Shell’s 1.4 million energy customers and 500,000 broadband customers moved to Octopus.
Have yourself a MoneySaving Christmas… starting with the best way to bag a cheap, sustainable Christmas jumper from only £3
Jumpers are for life, not just for Christmas, but most of us only wear our most garish festive get-up for one or two days a year, and then feel pressure to buy a new one the following year. That's neither sustainable nor MoneySaving, so what can we do about it? I have a few ideas...
More Than to stop selling car insurance policies – here's what it means for your cover
More Than car insurance customers on auto-renewal should look out for a letter explaining they'll be switched to Swinton Insurance, after More Than announced it was pulling out of the market. If you want to opt out of the switch, you'll need to do this before the end of your current policy – or risk having to pay a cancellation fee of up to £50.
more than car insurance swinton
More Than car insurance customers on auto-renewal should look out for a letter explaining they'll be switched to Swinton Insurance, after More Than announced it was pulling out of the market. If you want to opt out of the switch, you'll need to do this before the end of your current policy – or risk having to pay a cancellation fee of up to £50.
New scam ad protection measures to be introduced by Facebook, Google and more – changes Martin Lewis has long called for
New scam ad protection measures, such as two-click reporting and verification for advertisers, are to be introduced by major tech firms, including Amazon, Facebook and more.
Bank of Scotland, Halifax and Lloyds to close 276 branches in 2023/24 – here's the full list, plus alternatives
Bank of Scotland, Halifax and Lloyds, which are all part of the Lloyds Banking Group, will shut at least 276 of their bank branches in 2023 and 2024 after Lloyds announced a further 45 closures today (Wednesday 29 November).
'Unpredictable' broadband and mobile price hikes should be banned, say Which? and Citizens Advice
Broadband and mobile firms should be banned from hitting their customers with unpredictable mid-contract price hikes, consumer group Which? and charity Citizens Advice have said.

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