A UK Personal Finance Blog – The result of direct exposure to the fallout of the financial crisis.

LIBOR Scandal Holds Key to £24 Billion Llyods TSB Shareholder Case

Find in Banking & Saving July 9th, 2012 - 10,766 views

Interesting news article suggests: a low borrowing rate gave false impression of HBOS solvency Angry Lloyds shareholders say the Libor scandal is more proof they were mislead into voting to take over HBOS. They have instructed lawyers to incorporate in their claim against Lloyds TSB directors the allegation that they knew that HBOS’s real interest […]

Boosting your savings: a simple guide to ISAs

Find in Banking & Saving November 15th, 2010 - 6,458 views

UK based savers searching for the best savings rates for their money should first make sure that they’re taking advantage of their ISA (Individual Savings Account) allowance. While interest earned from money in an instant access savings account is taxable, cash ISAs offer the opportunity for tax-free savings – up to a point. The current […]

Junior ISA Saves £500M

Find in Banking & Saving October 29th, 2010 - 6,576 views

Second post of the day and I have to admit that not much work has gone into this one either. Reason being, if you type ‘junior’ into Google at the moment the top suggestion that drops down is ‘junior isa’. It’s a bit of a hot topic and there’s plenty of buzz. What started me […]

Tribute Paid to Cash Machine Inventor John Shepherd-Barron

Find in Banking & Saving May 20th, 2010 - 5,779 views

This is an article I’ve been sent so apologies if you’ve read it somewhere else. There is no doubt the cash machine has had a massive impact on the way we access and ultimately spend cash across the world and so respect is most definitely due. ‘Tribute Paid to Cash Machine Inventor’ – Good one! […]

Barclays Bank Addresses Unlawful Charges

Find in Banking & Saving July 2nd, 2008 - 21,927 views

As a customer of Barclays I can only comment on what I know although it may be the case that other banks have already put measures in place to placate the masses regarding bank charges. Barclays have introduced a ‘reserve amount’ in addition to the pre-agreed overdraft limit to act as a buffer. Mine’s £250 in […]

Unlawful Bank Charges – What’s the Alternative?

Find in Banking & Saving January 14th, 2008 - 8,853 views

It’s all over the news and I heard Martin Lewis (MoneySavingExpert.com) getting quite emotional on the radio today about unlawful bank charges. Of course we’d all love to have totally fee free banking and yes it’s true banks don’t only make money by charging fees. Here’s an informative thread on the consumeractiongroup.co.uk forum http://www.consumeractiongroup.co.uk/forum/campaign/47583-how-banks-make-their.html. The […]

Bank of England Base Rate – Interest – ed?

Find in Banking & Saving July 26th, 2007 - 6,962 views

In changing times when the interest rate is rising and is said to continue doing so, it pays to know where you stand. Keeping an eye on the Bank of England base rate can give you some idea of trends and so can keeping updated on inflation and inflation reports. So where can you go to keep […]

Reclaiming Bank Charges by Phone

Find in Banking & Saving January 25th, 2007 - 5,503 views

I originally intended to send to my bank a copy of the letter on my previous post, the letter for reclaiming bank charges. I reviewed my recent statements, totaled up the charges I felt were unlawful based on information I found at thisismoney. I also noted the dates on which these charges occurred. I then […]

Reclaim Bank Charges Letter – Get Back Unlawful Fees

Find in Banking & Saving January 25th, 2007 - 10,783 views

So here it is. The letter that could help get your bank charges repaid to you. There’s been a lot of hype about this recently and I’m actually about to give it a try for myself. Replace required sections with your own details:   Dear Sir/Madam, Ref: account number: (your account number) I understand that […]

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