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It looks like you’re using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. 970 from BA for delays in 2009 thanks to you telling me about new legislation. I took your advice and have claimed PPI from all the companies we had loans with.

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Cheap loans: Are the Post Office’s new freebies worth it? At the start of the year, banks know many people sort their finances, so they throw free cash about to buy new customers, which is great as it means money in your pocket. Yet we’re nearing the end of that season. So if you want to switch and bag free cash, do it now while you’ve max choice. In fact, it takes just 7 working days and all payments are automatically transferred for at least 3yrs. For both, request a switch by 11.

They’re for new and some existing customers – see our RBS review for eligibility info. Best if top service is key. Full info in our First Direct review. HSBC current account since 1 Jan 2016. 50 before the switch completes, then the rest as above. Full info in our Halifax review.

Debit cards are debt cards if overdrawn. So if in the red, don’t ignore it. 375, this pays off some of what you owe and the rest is at zero interest. So aim to clear it before. For help and best buys, see our Money Transfers guide. Can I cheat the minimum pay-in? You need to pay it in from an external source.