Nice People Thread Number 10 -the official residence of Nice People

lostinrates

tomterm8 wrote: »

It depends whether the bank accounts have any money. Having ten bank accounts could be an anti-posh alert if they all have overdrafts.

N'uhuh, pastures tells me debt is wealth

PasturesNew

Wheezy wrote: »

Isn't this worthy of a posh alert? Even a tiny one? No?
10 bank accounts!

No, banking is confusing and hard.... and when I sold my house I had to put it into many banks. e.g. some banks with the best interest rate make you open a current account to get to the savings account - so there's 2. And some I opened, put money in, then withdrew most of it as there was a better rate elsewhere. And another 4-5 I started opening them, but then they wrote and said I had to take X, Y and Z to a local branch - so it never happened.... and it just escalates when you've no fixed abode with enough space, a settled mind and a place to keep things.

I need to get it down to just four accounts, but that's hard too

I'd have to work out which four, then work out how to close down what I've got and move it over... along with all that proof of ID cr4p etc ....

PasturesNew

tomterm8 wrote: »

It's pretty easy, really, just like shuttling money across from one of your bank accounts to another...

I struggle with that most of the time. That's complex.... usually I struggle to log on. Barclays are the worst bank to get your money out of. If you don't log in for X months they change your password or something.... never really got my money out of there. Each year, instead, I phone them up and convince them to let me buy another ISA from the other account ..... as I've done it that way in previous years - and they just about seem to manage that.

So one day it'll all be in ISAs. No idea how to get it out of there.

I need to have a tidy up so I can buy a house. Now tax return's behind me I should sort that out in February.

PasturesNew

Accounts active at the moment are:

Nationwide: Flexaccount and Savings
CoOp: Current account and Savings
Sainsburys: Savings
Barclays: Current account and savings and a fist of ISAs
First Direct: Savings
Halifax: Maybe, not sure
Principality: Maybe, not sure. Might be initial £1 to open it.
ING: Think I never quite got it open, but they do write to me
Santander: Think I started, but didn't complete, not sure.
Post Office: Think I've got one there, not much, maybe £1?

tomterm8

That does sound like a nightmare.

Have you got a debit card for your Barclays account? If you do, you could put your money into Paypal, and then to wherever you want.

I'm afraid that if you withdraw money from the Barclays ISA's it's just likely to end up in your current account...

silvercar

tomterm8 wrote: »

Can't you just pay them using faster payments?http://www.hmrc.gov.uk/tools/bankaccounts/s/selfassessment.htm

You can and it is much easier this way. Exploring ways to pay direct from the hmrc websites, used to give you options like BillPay to pay direct, now it sends you round in circles, including telling you to use your bank to set up a payment.

PasturesNew

tomterm8 wrote: »

That does sound like a nightmare.

Have you got a debit card for your Barclays account? If you do, you could put your money into Paypal, and then to wherever you want.

I'm afraid that if you withdraw money from the Barclays ISA's it's just likely to end up in your current account...

I don't think I have. I think as I didn't use the account they simply didn't send me a card the following year, which I discovered when I pulled it out to use it once. See, they're a nightmare!

lemonjelly

Wheezy wrote: »

Isn't this worthy of a posh alert? Even a tiny one? No?
10 bank accounts!

I have 41 :eek:
I have 11 regular savers!:eek:
I have 14 current accounts...:eek:

PasturesNew wrote: »

Right - paid that. Money will be with them in 2 hours.

It really wasn't this hard last year, or other years.... I just got out my debit card and paid in other years!

CHAPS? Deffo a posh alert!:p

lemonjelly

Last birthday I was given one of these:

lemonjelly

SingleSue wrote: »

Went for a 6th form college visit yesterday, youngest absolutely loved it there and they have said they follow the statements as closely as they can, which is a lot better than his current school who have said they can't promise anything. Only problem is that it is a 20 minute drive away and he would need transport....and that causes no end of other issues for him!

If he's under 18, local council might still have a responsibility.

Speak with their disability support team (they'll be called something like Additional Learning Support, or Inclusive Learning or something) as they may have some transport support in place for disabled students (we do).

Alternatively/in addition, there should be something called "learner support funds" that is given to the college to help learners with such costs. Ask the student services dept.

Finally, round here the local councils fund a 16-18 card for young people in education. See if your local transport company have a similar scheme.

PM me if you want, I can outline how our stuff works where I am.