I've noticed on my Santander bank statement that they are re-issuing cards with the Santander logo on them Does anyone know if they are going to be replacing them with Visa Electron (Which I currently have) or a Visa Debit card? TIA.

If someone starts a job for the first time should they fill in a P46? Their only pervious employment has been temporary work as a student. When will they get their P60, assuming they start work in August 2010. Thanks.

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After losing £28,000,000,000 in 2008, more losses in 2009. Although these losses will be covered by the Toxic Assets Insurance Scheme possibly,This seems to be a case of robbing Peter to pay Paul. The taxpayer is the loser.The bank is paying out £1.3 billion in bonuses however.It must be very doubtful if it can ever be sold at a profit. I wonder how much the quango set up to look after the...

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I'm looking at a company who owes me some money and I'm trying to ascertain it's liquidity. When a company purchases shares from one of it's shareholders, would the valuation of the company's assets increase in line with the purchase? Or would I expect them to stay the same? In this case the company assets have stayed nominally the same, but the shareholder's funds have decreased by a similar...

Hi, If someone pays off her student loan in one lump sum, how long is it likely to take for her employer to be told by HMRC to stop deducting SL repayments from monthly salary? In other words, how many months-worth of repayments should *not* be paid off? (Obviously, paying-off is not sensible during the zero-interest period.)

thieving gits especially those claiming for mortgages that had finished....5 bloody years before. and will they be found guilty.................NO.

I am currently trying to claim for PPI Claims after I ended up paying too much for insurance on my loan. Look out for this. Dave

This seems a really good thing for the banks. What are the assets that the BOE is buying? i presume they are being sold at a profit. They are not cdo's are they, that can't be sold in the market. And what is the deal for the taxpayer? I read that the Japanese tried it some years ago and it failed. Is any other country doing it? If all it is doing is generating profits for the banks at taxpayers...

I am just curious about who are the owners of Barclays PLC, because only 5% of the shares are traded publicly.

Could recent problems in Greece and other periphery countries such as Spain, Ireland and Portugal signal the beginning of the end for the Eurozone? Will Germany be happy to bail other countries out?

Just to add another thread on credit card security, I wondered what thoughts there might be about this. I went to PC World (yeah, I know) to pick up an item I'd reserved on their website. There was a chip'n'pin keypad there, but when I tried to stick the card in the assistant wanted to take the card from me with with the intention of swiping it through a separate device which was also sitting...

I was informed of a new Co-op Credit card today - 12.9% APR - no charges for cash withdrawals - or for cheques. Borrow half your limit in cash over the month - taking it out of ATMs - or use a cheque to pay off outstanding debt on other credit card. When you get the bill - withdraw the other half of your limit to pay off the "loan". This show could run and run - a permanent loan at no cost.

Some researchers at Cambridge University say that Verified by Visa and Mastercard Secure Code have security problems. http://www.pcworld.idg.com.au/article/334105 http://www.cl.cam.ac.uk/~rja14/Papers/fc10vbvsecurecode.pdf There's nothing new here for anyone who has been following this group, but it is still an interesting read.

The Conservatives said they were going to put this in their manifesto. Does anyone think they will do it, if they get in? personally i doubt it.The need for tax revenue will be overwhelming.

I have seen a property I want to buy and would have considered (given that I am providing a substantial deposit - over 40%), that obtaining a mortgage would be fairly straightforward. As I wish to borrow over £1million it has become apparent that as this is a large mortgage this is not straightforward at all and I am in fact struggling to obtain funding. Can anyone help?

I have just had a call from my bank who have refused to renew my overdraft facility which my business relies on at various times in the year. Is there an alternative way of financing my business as this will have serious impacts on our chances of staying in business?

Consumer Advice UK has closed Consumer Advice UK was a trading style of 7 Marketing which has also closed. I became suspicious of Consumer Advice UK towards the end of 2009 when certain things they were saying to me didn’t quite add up. Point in case: - I was contacted on 22 November 2009 by a representative of Consumer Advice UK saying that the Supreme Court had ruled favourably for consumers...

Or is it? Economists are forecasting GDP growth in the 4th qtr of 0.2% to 0.4%. However the recession officially began with 3 consecutive negative growth qtrs.What if the 1st qtr of 2010 is negative? Are we back in recession then? or do we have to wait another 6 months.

I've just been on the phone to the HMRC since I received this morning two revised tax notices for 6th April 2009 to 5th April 2010. These new codes meant that I would have to pay 20% of tax on my private pensions, but, as I pointed out to the HMRC, I do not receive income in total that is more than my personal allowance (by far). My details haven't changed in three years, either, yet the HMRC...

Does anyone here use an additive in their diesel engine. My diesel is over 100K miles and I thought would an additive help with economy etc.

Even if all could agree that fairness was crucial, and then on what fairness actually requires (see a discussion on that by an Irish economist he http://short.ie/jol) , it seems beyond argument that an economic recovery plan that was designed to be effective would not necessarily also be fair. ( I have been considering this here http://short.ie/fair in an Irish context, but it is relevant in...

Is it any surprise that employers shun low IQ employees in preference for higher IQ employees? http://en.wikipedia.org/wiki/Race_and_intelligence According to Richard Lynn, J. Philippe Rushton, and others, IQ test score differences are observed cross-culturally and around the world. Lynn has published three books summarizing IQ test scores from around the world. The inaccuracy of the cross...

Hi, I am just dealing with the estate of a recently deceased elderly relative. Since her death it has emerged that a year ago at the age of 76 she took out a personal loan from her high street bank of £20k. We are currently in the process of applying for probate, so as yet we are not sure as to what the actual loan agreement contains, and whether it will have to be repaid out of her estate.

As the VAT increase came in on Jan 1st the rate for this month is likely to to go over 4%. This looks like stagflation. The BOE is forecasting a drop, suppose it carries on rising to over 5% surely they will raise interest rates to 3 or 4% immediately.

I saw in a post on this NG that Santander are not issuing any new Electron cards - mine will be replaced with a Visa Debit on expiry. Does anyone have a ink or can scan a leflet with the info? I have a account with Santander (abbey) and a Visa Electron.

Which banks still offer Solo cards on current accounts? First Direct have just decided to replace them all with Visa debit, which is less than helpful as the reason I had a Solo card in the first place was so that I had at least one card which doesn't require me to sign up for 3D-insecure - switching it to Visa makes it a lot less useful. Any suggestions as to where I can still get Solo? Mark --...

Most hotels, these days, will not allow you to book a room with cash. They insist on card payments. From the guest's point of view, the down side of this is that charges could be added to the card without the cardholder's knowledge or consent and he only finds out about them when he gets the bill. Are there any ways to avoid this happening by using a pre-paid card where the cost of the hotel...

Can someone please tell me how to get an Electron card? Airlines and railway companies don't charge an extra fee for payment by Electron card but they do for payment by debit and credit card. By the way, what is the logic for this discrimination? -- Alasdair.

I have sent the following email to the Post Office: "My local Post Offices refuse to give me a receipt for receiving my money so I can put it with my accounting records so I can correctly prepare my tax return and have evidence of the payment if HMRC wish to check. They say that I can use the receipt of postage instead. I need the receipt of postage kept with the letter to resolve any dispute...

I'm hoping someone can tell me that I am wrong and direct me to a solution to the problem. I never sign direct debits or regular payments to my credit cards. For the last two months a company called HPMP of Brussels has taken 39.99 euros from my MBNA account. I have never made any purchases from that company or had anything to do with them. When I googled them I cannot find any contact details...

Imagine, if you will, someone who has a 'Final Salary Scheme' pension with his employer but the fund is in severe deficit which seems to be growing year by year. Imagine also that the employee is worried that the company might default at some point and fail to make up the deficit. imagine that at the moment the employee can withdraw 100% of his (actuarily calculated) pot and put it into a...

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Just got my son a O2 Credit type card, linked to my phone. Its in my name, but its his name too, so helps him get used to these things. Anyway, topped it up with his spend last night, by debit card. Message was "available to use immediately". He went to the cash til to look too, novelty and all that. Same debit card transaction takes X working days to hit the credit card. How strange :-)

Is it possible to get this paid into an account other than one under the claimant's name? Potential claimant doesn't have an account, so would like it paid into that of a family member.

I've accepted redundancy but my about-to-be-former employer wants me to work part-time under contract on a self-employed, sole-trader basis (ie not as a ltd company) 1) They've offered me a rate of about double what my salary was - is that about right to compensate for no holiday, sick pay, pension, NIC etc? 2) They don't mind if I work one day a week or one week a month. Is one or the...

Usury: A Short History of Banking http://www.heretical.com/miscellx/usury.gif Surely the Government is in control of the country and its supply of money? Surely money is only a symbolic token to facilitate the production, exchange and distribution of goods and services? Not so, say the Third Positionists, who reject both Capitalism and Communism...

please confirm your details... yes right.

I thought I'd do it online this year, so having selected my best quote, I proceeded with it until I reached the page that required my credit card details. Next, perhaps in response to my hesitating at this point, a chat window suddenly opened. I was thus conveniently able to ask my concern that, if I continued and completed this purchase, was I also consenting to a continuous charge authority...

Pilot performs crazy http://www.crazy-video-streaming.com/best/stunt-car.htm --- news://freenews.netfront.net/ - complaints: ---

I was watching the film where the Local Defence Volunteers (to become the Home Guard) were forming at Warmington on Sea and Mr Mainwearing was recruiting the lads. When questioned about his authority to take charge, he said something to the effect "Of course I should be the leader, I am the bank manager and therefore the most respected person in this town" O how times have changed...

A&L Commercial while they were good for the highest interest rates a year or so back they are poor for communications and speed when closing an account. They stopped my last attempt to move, by BACS, 99% of my funds to another bank and have now gone quiet. Yet another phone call tonight then...

Wife and I have set up our own business although we are both otherwise employed as well. Am I right in saying that we'd both have to pay a set rate (£2.40 a week?) of class 2 NICs as well because of self-employment? Regardless of how much profit we make or are we exempt if we make less than £5K? In this case, would it be better for just one of us to declare ourselves self-employed as a sole...

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My wife has a final-salary NHS pension of over thirty years, but has been seeking to 'fill in' a few missing years (when she had to switch to a private pension) by buying extra years ahead of her retirement. She was advised to do this by several people (though none, as far as I'm aware, were professional pension advisors) and has currently bought back approximately three years at a cost of around...

I have a tracker mortgage taken out some time ago with The Woolwich (Now Barclays). My rate is very low because it's a tracker and was taken out when they tracked at base + 1.25%. I just got a letter that worries me, it seems to imply that they are going to change the terms of the agreement and put me on base + 4%. Can they do that?

Recent day-time TV advert for a pay-day loans offers a quick service. I would think so with an interest rate of 2356% APR ! -- Alan news2009 {at} admac {dot} myzen {dot} co {dot} uk

I know that one of the basic premises of a limited company is that should a company go bust owing a significant sum, in most cases the company owner will not be personally liable for its debts. However, what is to stop a company with debts but also assets, starting up a new company with a new registration, doing the same business but simply transferring all of the assets to the new company,...

Does anyone know of any good iphone apps out there?