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“ I can understand the upset. I have a credit card with £5000 limit on it, as I've not used it, they cut it to £500. Which is ok, as I don't need it. However, what happens if the car fails its MOT and I need £1000 urgently to get it passed? If you have an emergency facility, it's there for...

“ I think a lot of replies to this thread have been unduly critical. It is perfectly understandable why somebody would be annoyed at a massive cut in their overdraft limit in the same way as they would be if a credit card provider suddenly reduced their credit card limit by a similar amount. ...

Unforunetly this is 100% the fault of the elderly relative and i don't think the bank should have to refund any of the money. If we start going down that route making the banks responsible all it will do is make is more and more difficult for people to legitimetly transfer their money to other accou...

“ I had this happen to me a few years ago when my facility was £10k. They wanted to reduced to £5k because of non use. I started using it and went about £300 overdrawn. A little while later they sent me another letter and said based on the fact I was now using the facility they would leave...

“ Just wonder what is the company who send the spam aiming for ??. Is it not a large sum of money (if any) could be won and majority of the money will go to the one who has paid the fee ?? In the past I also received spam email, people on the shopping center are asking my regarding PPI I just...

“ No, I've not withheld info! This was a very active account. It was closed, they tell me, entirely by accident and they admit they are at fault. There was no notification to me either before or afterwards. There was nearly £900 in the account. I find it amazing that they have no checks in p...

“ Probably would be better to make an appointment in branch to explain. After all, if you had no mortgage, 200k in the bank and wanted £5k more to buy a £205k house, a bank would be bloody stupid to refuse to lend because the call centre computer said no. <a href="/showthread.php?s=3036385c...

Depending on how much money you have will dictate what accounts and how many are the best ones for you to have. But for any future savings you definetly want to be putting that into a regular saver at 5% to get the best rates. So as suggested above some Nationwide Accounts should be the first ones y...

“ Me personally, I think it's a myth. I can only speak for myself and my experience in obtaining credit from various providers over the many years. I only ever pay minimum on 0% deals whether that be for purchases or balance transfers and all the lenders have increased my limit intermittently...

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