ribena3: Google "reclaiming bank charges". There is a lot to read and understand. Also template letters to send. Was this a BOS Easycash account or a BOS cheque account? There are changes taking place soon to the charges on the cheque account. You may or may not benefit so there maybe good reasons to switch. I think most banks ...

Standing order bank charges: I am with Lloyds TSB bank and, they have charged me 4 times for standing orders with lack of funds in my account. Are you aware that there is an ongoing legal case concerning the "fairness" of bank charges? Google "reclaiming bank charges" and you may learn something to your ...

Jayy: Which gives a grey area from the 2808 - 03/09. After whats happened to me it seems any payments made in this limbo go towards the previous months statement That is true. I agree it is a "greyish" area but not an area that is not fully covered by the agreement terms and conditions. The payment was credited to the August ...

maxsteam: Jalexa: Don't think that's right. The maturing fixed rate ISA must be previous year(s) funds. Can be transferred in whole or in part to any number of providers which accepts transfers. Yes, but the product that the funds are transferred to can't be a new cash ISA that is opened this year. Hattie has already opened one ...

maxsteam: Yes, you can open another ISA but, because you have already opened a cash ISA this year, the new one would have to be a stocks & shares ISA. Don't think that's right. The maturing fixed rate ISA must be previous year(s) funds. Can be transferred in whole or in part to any number of providers which accepts transfers.

hattieB: Previous year's ISAs are an entirely separate allowance to the current years's allowance. You need to check what maturity options are set for the one year fixed rate. This will be hidden somewhere in the terms and conditions. Probably, but I can't guarantee it, a variable rate ISA. Important its not another fixed rate ...

Jayy: As for this being my own fault, I am well aware of that thanks. I'm not trying to apportion blame but to understand the mechanism at work. You used the term "early" but the payment (as Huckster suspects or suggests) was either late for the August due date (probably around 28/08) or it was an early payment for September ...

Jayy: Before you fight this you need to review the circumstances of the payment not the various things you have been informed by different Halifax staffers. You think you made the payment "1 day too early", the Halifax computers (note not people) think you were late. So what was your payment due date, what date can you prove the ...

Mynewt: , if Npower ..... Had a really good liquid lunch, Mynewt?

krens29: Do you think they are trying to cover their backs here? Just seems a bit fishy to me... I think you are *probably* being told what the customer adviser can see on the Customer Information System. If so it has no bearing on the reason for the original scr*w-up, and the facts presented are certainly consistent with a meter or account ...