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.... Should a bit of that be spent on wealthcare? Yes, there is a vast online library of help available – from Age UK, Citizens Advice, the Money Advice Service, government departments and so on. And there are numerous options to help elderly parents: third-party mandates, joint accounts and the various powers of attorney. ... [Read full article on Guardian ]
Saturday 16th of September 2017 06:00:04 AM
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Latest Finance News related to Joint Account

The elderly could do with a national wealthcare service image
Source : Guardian [Read Article] Saturday 16th of September 2017 06:00:04 AM
.... Should a bit of that be spent on wealthcare? Yes, there is a vast online library of help available – from Age UK, Citizens Advice, the Money Advice Service, government departments and so on. And there are numerous options to help elderly parents: third-party mandates, joint accounts and the various powers of attorney. ...
SavvyWoman calls on banks to make joint account rules clearer for couples image
Source : Daily Express [Read Article] Saturday 9th of September 2017 10:01:00 AM
. More than 74 per cent of UK adults don’t know that either person is liable to pay the entire debt on a joint account. ...
A free railcard or a £2,000 overdraft? How to pick the best student account image
.... Lloyds says: “There’s no impact, either positive or negative. Things like credit ratings are only impacted if there is a joint financial relationship – ie, a joint account. ...
How credit score agencies have the power to make or break lives image
Source : Guardian [Read Article] Monday 17th of July 2017 06:00:43 AM
....■Make sure you’re on the electoral roll and be aware that lenders are spooked by frequent changes of addresses. ■ Having a partner’s rating linked to yours through a joint account or loan could affect you if they have a poor record. ...
For love or money image
Source : BBC [Read Article] Sunday 8th of January 2017 12:56:25 AM
....The manager that day was Eric Leenders, now the managing director of retail banking at the British Bankers' Association. "Typically joint accounts are used by couples for pooled income and expenditure, the trigger is often when they move in together and start paying the bills," he says. ...
Your bank savings protected by an extra £10k - thanks to Brexit  image
Source : Daily Express [Read Article] Wednesday 23rd of November 2016 08:16:00 AM
.... . The reimbursement level was set at a maximum £85,000 in 2011, or up to £170,000 for joint accounts. ...
Amazon is making me share my payment details image
Source : Guardian [Read Article] Thursday 25th of August 2016 06:00:03 AM
....No doubt Amazon’s intention is to put people off taking up the sharing service and encourage them instead to stump up the £79 a year for their own Prime account. It is always a risk to share your card details unless you have a joint account. ...
Cameron had stake in father's trust image
Source : BBC [Read Article] Thursday 7th of April 2016 06:39:39 PM
...."I didn't want to anyone to say you've got other agendas or vested interests," he said. "Samantha and I had a joint account and we owned 5,000 units in Blairmore investment trust which we sold in January 2010, that was worth something like £30,000. ...
'Barclays shut my accounts and told me to go - no explanation' image
Source : Telegraph [Read Article] Saturday 20th of February 2016 07:27:20 AM
.... Mr Bentley set up Crazy Web Services on leaving school. The business account was in the company name, and his uncle was a joint account holder. ...
Safety first with your savings image
Source : Daily Express [Read Article] Wednesday 17th of February 2016 12:00:00 AM
....This was recently cut from £85,000 to bring the UK in line with the EU. Fahy says: “The £75,000 limit is per person, so couples can save £150,000 in a joint account. ...
How the personal savings allowance will shake up your financial planning  image
Source : Telegraph [Read Article] Sunday 17th of January 2016 07:12:39 AM
...." . Telegraph Money has received many reader questions on how owed tax will be collected, how joint accounts will work and other elements that the information available doesn’t appear to cover. ...
Santander increases charge on hugely popular 123 account image
Source : Guardian [Read Article] Friday 8th of January 2016 04:24:30 PM
.... Someone holding £20,000 in their account earned more than £500 a year in interest alone, plus 1% cashback on water and council tax bills, 2% on gas and electricity bills and 3% on phone, broadband, mobile and TV bills. Many couples run three 123 accounts at a time – one each and a joint account – to maximise returns. ...
Take care, FSCS changes mean your savings aren’t as protected as they were image
....For several years, the deposit protection limit covering money in savings and bank accounts, cash Isas, savings bonds etc stood at £85,000. This figure was “per person, per firm”, and for joint accounts was £170,000. ...
Know the new savings limits: Vital protection for British savers to be SLASHED image
Source : Daily Express [Read Article] Tuesday 29th of December 2015 07:42:00 PM
....But strict EU regulations insist that the UK figure is recalculated every five years and the stronger pound means the EU limit is now worth less when converted into sterling. The FSCS has therefore been forced to lower its protection limit by £10,000 to £75,000 (£150,000 for joint accounts). ...
Ten biggest changes to personal finances in 2016 image
Source : Telegraph [Read Article] Tuesday 29th of December 2015 08:40:41 AM
.... Some taxpayers will be required to update their details four times a year. From January 1, the Financial Services Compensation Scheme will protect savings of £75,000 (or £150,000 held in a joint account) should the bank or building society go bust. ...
A man should be the breadwinner, right? Wrong. Meet the women who earn more image
Source : Guardian [Read Article] Saturday 12th of December 2015 07:00:44 AM
.... It made perfect logical sense to me because her earnings potential is much higher than mine and can give us, as a family unit, a better lifestyle. “Kaira’s salary goes into the joint account and that money is our money. ...
Almost one in five UK adults suffer 'financial abuse', survey finds image
Source : Guardian [Read Article] Thursday 10th of December 2015 12:01:07 AM
....co. uk, said she had heard from dozens of women whose partners had run up debts on joint accounts when the relationship was ending or forged their signature and left them with thousands of pounds of debt. ...
Train ticket discount offer was a complete waste of money image
Source : Guardian [Read Article] Monday 2nd of November 2015 07:00:06 AM
.... However, several months later I realised that Complete Save had been taking £15 a month out of my bank account. This had been going on for 10 months before I noticed; I have a joint account with my wife, so we both thought that the other had made the payment. ...
'My grown-up sons cost me £15,600 per year - how can I retire?' image
Source : Telegraph [Read Article] Friday 16th of October 2015 07:00:55 AM
.... . Each month David transfers £1,300 into a joint account for them, which they can spend on food, petrol birthday presents and clothes - and that sometimes falls short. ...
Leeds Building Society launches 'unique' escalator savings bond image
Source : Telegraph [Read Article] Thursday 1st of October 2015 12:49:22 PM
...." . Savers can invest between £100 and £1m, or £2m if it’s a joint account. ...
My brother wants to buy me and my sister out, but is he being fair? image
Source : Guardian [Read Article] Thursday 10th of September 2015 06:00:11 AM
.... He will be liable to income tax on his third share of the rent wherever it is paid, as is your sister. So I suggest that the three of you open a joint account and have the rent paid into that. ...
Questions of Cash: 'I want a refund on my TV licence payments but they've turned my claim into a soap opera' image
.... It should be remembered that the protection applies to one person, per institution. Protection is therefore double this amount for a joint account. ...
Taxman gets new US-style powers to raid tens of thousands of personal bank accounts to recover debts image
.... . In cases where the debt is held on a joint account HMRC “is introducing safeguards so that only a pro-rata proportion of the balance in a joint account will be affected”. ...
New savings account is protected by FSCS up to £225,000 – how? image
Source : Telegraph [Read Article] Wednesday 8th of July 2015 10:42:48 AM
.... . This means that customers can hold up to £225,000 (or £450,000 for joint accounts) with Flagstone and be covered by the compensation scheme, even after the limit is cut, should the three banks go bust. ...
Savings bond rates keep edging up as Charter improves its deals image
Source : Telegraph [Read Article] Monday 6th of July 2015 09:18:47 AM
.... • Where to find the best cash 'Super Isa' rates . Deposits held with Charter Savings Bank, up to £85,000 per person or £170,000 for joint accounts, will be protected by the Financial Services Compensation Scheme (FSCS) should the bank go bust. ...
FSCS cash compensation limit cut to £75,000: Q&A image
Source : Telegraph [Read Article] Friday 3rd of July 2015 04:53:22 PM
.... . Currently, anyone who has up to £85,000 (or up to £170,000 for joint accounts) in a bank or building society would be covered if the institution goes bust. ...
Savers hit as Bank cuts protection on deposits to £75,000 for first time since financial crisis image
...." . Couples with joint accounts receive the protection of the guarantee for each individual named on the account - that is, if the bank goes bust, they will receive up to £75,000 each, totaling £150,000. ...
Paying top rates: the banks you've never heard of image
Source : Telegraph [Read Article] Friday 3rd of July 2015 08:38:17 AM
.... . Savings with all of the smaller deposit-takers mentioned here are covered by the Financial Services Compensation Scheme, up to £85,000 per person or £170,000 for joint accounts. ...
Car maker Renault enters UK savings market with a best buy image
Source : Telegraph [Read Article] Monday 8th of June 2015 01:40:18 PM
.... . Savers might be worried about putting their savings into a French bank, but the UK branch is overseen by British regulators, and funds deposited into the bank are protected by the French protection scheme, which works in the same way as the UK protection scheme and will cover any savings up to €100,000, or €200,000 for joint accounts, should the bank go bust. ...
You can't have an account in your maiden name, Santander tells customer image
.... • Banking red tape: Church bell ringers in Kent told to fill out US tax form to open bank account . One Mumsnet user named "FunnyBird" wrote: "HSBC wasn't too happy about me opening a joint account with my husband in my married name, while keeping my own account in my maiden name. ...
Santander forces name change on woman with accounts in two names image
Source : Guardian [Read Article] Saturday 16th of May 2015 06:00:19 AM
.... She already has a Santander account in her married name, which she uses for day-to-day purposes. Santander has told us this shouldn’t have happened, and that Marsack was the victim of a “genuine branch error” – but it comes a year after Money reported on the case of another woman who spent several frustrating months trying to open a Santander current account in her maiden name, when she had an existing joint account with her husband at the bank. ...
Why won't NatWest pay our travel insurance claim? image
Source : Telegraph [Read Article] Friday 1st of May 2015 08:27:19 AM
. My wife and I have an Advantage Gold joint account with NatWest. ...
What's it like to earn more than double your husband's salary? image
Source : Telegraph [Read Article] Friday 1st of May 2015 06:05:28 AM
.... . Family activities are paid for from the joint account, though if we’re socialising separately or buying clothes, we use our individual pots. ...
Is your partner a financial bully? image
Source : BBC [Read Article] Friday 24th of April 2015 09:00:31 PM
Why do so few savings accounts pay monthly income? image
Source : Telegraph [Read Article] Thursday 23rd of April 2015 12:57:32 PM
.... He said: “Savers shouldn’t be put off depositing their money into smaller, lesser-known banks, as around 99pc of banks and building societies are covered by the Financial Services Compensation Scheme, which covers deposits of up to £85,000 per person. ” This means that if a bank folds, savers will get their money back up to the £85,000 limit, or £170,000 for savers who have a joint account. ...
Martin Lewis: Six reasons why Isas still beat other savings accounts image
Source : Telegraph [Read Article] Thursday 9th of April 2015 07:39:18 AM
.... The top-paying account for a decent whack is the Santander 123 bank account (see below) at 3pc, which means you could save £33,333 as a basic-rate taxpayer in it and £16,666 as a higher rate taxpayer. (And before fellow money nerds say you can only put £20,000 in it – technically you can open two accounts, provided one is a joint account). ...
Building society pays more than NS&I's pensioner bond – but there's a catch image
.... The account is only available to existing members of the society. In addition, customers can only deposit a relatively small sum of £5,000 (£10,000 for joint accounts) . ...
Budget 2015: How much do you earn and spend? The couple without children: 'We're saving for the wedding so have to be more careful' image
.... • Live updates and reaction to the Budget . The couple, who live in Epping, Essex, opened a joint account when they moved in together in February 2014, which they use for their mortgage (£1,761. ...
How to uncouple your finances image
Source : Daily Express [Read Article] Wednesday 11th of February 2015 12:01:00 PM
....This a personal history of all your financial dealings for the last six years, including mortgages, credit cards, bank accounts and even mobile phone contracts, which lenders will check if you apply for new credit. Laura Barrett at credit reference agency Equifax says this association may remain on your files even after the joint account has been closed. ...
'I want to save money for my daughter's deposit – how can I protect this from her boyfriend?' image
.... Is there any way that she could save in an account such as an Isa in her own name but have some security against bad judgement – her boyfriend can be manipulative – such as needing me to agree to remove the funds? . I had considered a joint account but would prefer the account to be in her own name in case anything happens to me (I'm getting a bit old) as I wouldn't want her siblings to have a claim on any money she has saved – they have had financial help from me already. ...
How did Barclays lose my Woolwich account? image
Source : Telegraph [Read Article] Tuesday 9th of December 2014 10:20:55 AM
.... My husband and I have two very old accounts with Woolwich Building Society, which was taken over by Barclays. One was a joint account in both our names and the other solely in my husband’s name. ...
Best savings rates are not all they might seem image
Source : Independent [Read Article] Saturday 29th of November 2014 12:00:00 AM
....Under the Government-backed Financial Services Compensation Scheme (FSCS) a saver will get up to £85,000 should their bank or savings provider fail. The compensation scheme, raised nearly three years ago to £85,000, or £170,000 for joint accounts, to comply with the European Deposit Guarantee Schemes Directive, applies to each licence. ...
City Diary: Taxi! Leeds transport boss shuns the train after top-tier HS2 dinner image
.... Now Diary hears that Alba’s chief executive, the mining man Michael Nott, is maximising his investment still further. He has transferred five million shares in the company into his ISA, his wife’s ISA, and a joint account in both their names. ...
'Why has Barclays deducted £8,000 from my investment?' image
Source : Telegraph [Read Article] Tuesday 14th of October 2014 09:37:43 AM
.... I have banked with Barclays for well over a decade. Several years ago accounts were amended to joint accounts with my wife. ...
'I get 3pc interest without tying up my money': meet the ingenious saver with 11 current accounts image
.... On top of these accounts, she opened two new TSB “Plus” accounts, which pay 5pc interest on up to £2,000, an account with Yorkshire Bank that paid 4pc on £3,000 (the rate has since fallen), a Bank of Scotland account paying 3pc on £5,000 and a Tesco account paying 3pc on £3,000. She has also opened two Santander accounts, one in her name and the other a joint account with her son, and both pay 3pc on £20,000, although there is a £2 monthly charge. ...
Complaints soar as packaged current accounts fail to deliver image
Source : Guardian [Read Article] Saturday 27th of September 2014 06:00:47 AM
.... However, I now need to come clean and admit that I have just signed up for Nationwide’s FlexPlus account, which charges a monthly fee. We have held our main joint account at the building society for almost 15 mostly happy years, and when Nationwide launched the new £10 a month (£120 a year) account earlier this year, I was very sceptical. ...
'I was terrified we'd lose all our money': banks tell US customers they won't work with Americans image
....“A vast majority of Americans suddenly woke up to what’s going on,” Verauge says. She relates stories of fellow expatriates who have had to take their names off joint accounts – some holding small family inheritances – because banks would not accept US customers. ...
'Halifax is ignoring our requests to close our savings accounts' image
Source : Telegraph [Read Article] Wednesday 17th of September 2014 03:05:26 PM
. We have been trying unsuccessfully for four months to close two 60-day Gold accounts held with the Halifax – one joint account and one in my wife’s name. ...
Savers' money at risk if Scotland votes Yes image
Source : Daily Express [Read Article] Sunday 7th of September 2014 02:35:00 PM
Domestic politics: What happens when a feminist has to rely on her partner to pay? image
.... Leah, 23, an events coordinator, tells me her fiancé earns almost double her salary working as an engineer. “We split the rent and bills 60:40, which goes out of a joint account, but we keep our separate accounts too for disposable income,” she explains. ...
How couples can protect their financial interests when cohabiting image
Source : Independent [Read Article] Friday 15th of August 2014 11:00:00 PM
....Mr Kirwan says: "A declaration of trust or cohabitation agreement establishes what your property is and it is binding on execution: it cannot be changed without the consent of both parties. "A declaration of trust is usually in relation to particular property and a cohabitation agreement can include extra details about paying off debts, joint accounts and financial arrangements around children, such as who pays for school fees. ...
'Instead of leaning in, I leaned out': why women still need feminism image
Source : Guardian [Read Article] Sunday 10th of August 2014 04:00:04 PM
.... It is almost unimaginable to any woman under the age of 50 that your boss would call you a “girl”, as many bosses once referred to any woman in the office. Or that a bank would not allow you to have a joint account with a man, much less a bank account of your own; women had to have a man’s permission to open a bank account. ...
'Should I give my bank card to a friend while I'm in hospital?' image
Source : Telegraph [Read Article] Monday 14th of July 2014 11:18:29 AM
.... . Finally, if it looks like you will need to give long-term access to your finances, the best options would be to open a joint account, or nominate a trusted friend or family member to hold a Lasting Power of Attorney – a legal way of handing over your finances. ...
Best five-year savings rate hits 3.25pc image
Source : Telegraph [Read Article] Monday 7th of July 2014 02:10:02 PM
.... Savers looking to invest more could consider Aldermore’s 2. 9pc four-year fix, but remember – it is prudent to split your money so that you have no more than £85,000 (£170,000 for joint accounts) with each savings institution. ...
'TSB allowed £35,000 to be taken from my account - then blamed me' image
Source : Telegraph [Read Article] Saturday 5th of July 2014 06:12:18 AM
.... . At the time, Mr Smith and his wife, who have had the same joint account for 26 years, were entirely unaware of the crime. ...
'Free' Spotify account is costing us £9.99 a month image
Source : Guardian [Read Article] Tuesday 24th of June 2014 06:00:54 AM
....Online music streaming service Spotify is withdrawing £9. 99 from our joint account every month for its premium service. ...
Beware the bogus bank employees who could scam you of your life savings image
Source : Guardian [Read Article] Saturday 14th of June 2014 06:00:40 AM
.... She was persuaded to withdraw £7,000 by fraudsters who rang her Oxford home at the end of January while her husband was on business. In her case she was told to take the money out of the couple's joint account in cash, and to hand it over to a courier, who would come to her home. ...
Are you covered by the £85,000 compensation limit? image
Source : Telegraph [Read Article] Friday 6th of June 2014 08:47:04 AM
. In January 2011 the Financial Services Compensation Scheme (FSCS) upped the savings compensation limit from £50,000 to £85,000, meaning anyone who has up to £85,000 (£170,000 if in a joint account) in a bank or building society is covered should the institution go bust. ...
Simple steps to help you rebuild your financial security image
Source : Daily Express [Read Article] Thursday 5th of June 2014 04:00:00 PM
....If you’ve divorced or separated from a partner, you may still be financially associated with them on your credit report. If you’ve previously held any joint finances, whether that’s a mortgage or a joint account, this association will show up, and can have a negative impact on your credit rating if your ex-partner has a poor financial history. ...
Money myths you need to know about: Truths you need to know about your finances image
.... The reality is it’s a false economy, why pay rent to live in the home YOU have worked all your life for. • Previous occupants of my address affect my credit rating; It makes no difference if the previous occupant of your home was a millionaire or a bankrupt as long as you do not share a financial connection, such as a joint account. ...
‘There is nowhere to hide from the taxman now'  image
Source : Telegraph [Read Article] Saturday 17th of May 2014 07:07:11 AM
.... . Our disclosure comes as new powers are proposed allowing the Revenue to take money from taxpayers’ bank accounts – including joint accounts – without first obtaining a court order. ...
.... The lady swiped the last of our groceries and announced the total: just over £40. Given that my wife and I have yet to set up a joint account for things like food shopping, we usually split the bill on our debit cards. ...
Can I protect house deposit from my daughter's boyfriend? image
Source : Telegraph [Read Article] Friday 16th of May 2014 06:45:13 AM
.... . “To strengthen your daughter’s position, all the household running expenses, including the mortgage payments, should be paid from a joint account. ...
Source : Independent [Read Article] Friday 9th of May 2014 11:00:00 PM
....Plans allowing the taxman to reclaim money directly from people's bank accounts have been attacked this week. HMRC wants powers to take money from any account, including Isas and joint accounts, if they believe someone owes taxes. ...
Taxman has power to raid your bank accounts image
Source : Telegraph [Read Article] Thursday 8th of May 2014 11:01:38 PM
.... . In a consultation document this week, HMRC said the "direct recovery" powers could be used to take money from joint accounts. ...
Savings 'at risk' due to bank staff failings image
Source : Telegraph [Read Article] Friday 18th of April 2014 11:05:28 PM
.... . Savings accounts, cash Isas and current account deposits are all protected under the FSCS, with joint accounts protected up to £170,000. ...
'Lloyds botched my parents bank account switch' image
Source : Telegraph [Read Article] Saturday 12th of April 2014 08:47:18 AM
.... . Having power of attorney on your parents’ joint account put you in the front seat when it came to sorting out the move to a bank branch that best suited all. ...
It's awkward as hell but couples must talk about money image
Source : Telegraph [Read Article] Tuesday 1st of April 2014 08:06:57 AM
.... Anthony has now remarried and said he now shares a similar attitude to money with his wife, Sheryne. “We have a joint account for all our bills but keep our own accounts as well,” he said. ...

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