Go Back  British Expats > Living & Moving Abroad > USA
Reload this Page >

Maintaining UK bank accounts and Credit cards

Maintaining UK bank accounts and Credit cards

Old Feb 5th 2007, 9:00 pm
  #16  
Thinking about it
 
BigDavyG's Avatar
 
Joined: Oct 2005
Location: Mid-West
Posts: 9,435
BigDavyG has a reputation beyond reputeBigDavyG has a reputation beyond reputeBigDavyG has a reputation beyond reputeBigDavyG has a reputation beyond reputeBigDavyG has a reputation beyond reputeBigDavyG has a reputation beyond reputeBigDavyG has a reputation beyond reputeBigDavyG has a reputation beyond reputeBigDavyG has a reputation beyond reputeBigDavyG has a reputation beyond reputeBigDavyG has a reputation beyond repute
Default Re: Maintaining UK bank accounts and Credit cards

Originally Posted by Bob View Post
aye, but if you've had plenty in the UK and are close to getting the full amount, and young enough to get one in the US, it's worth not using the reciprocal agreement to get two pensions if your going to be long enough.
How do you mean 'using the reciprocal agreement' ??
If I return to the UK and inform them I was here will the contributions I missed be paid by Uncle Sam ??
BigDavyG is offline  
Old Feb 5th 2007, 9:05 pm
  #17  
SUPER MODERATOR
 
Jerseygirl's Avatar
 
Joined: Dec 2005
Posts: 82,287
Jerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond repute
Default Re: Maintaining UK bank accounts and Credit cards

Originally Posted by BigDavyG View Post
How do you mean 'using the reciprocal agreement' ??
If I return to the UK and inform them I was here will the contributions I missed be paid by Uncle Sam ??
If you've paid enough..yes and vica versa.
Jerseygirl is offline  
Old Feb 5th 2007, 9:08 pm
  #18  
Forum Regular
Thread Starter
 
Joined: May 2006
Location: Schaumburg, IL
Posts: 56
ScottMc has much to be proud ofScottMc has much to be proud ofScottMc has much to be proud ofScottMc has much to be proud ofScottMc has much to be proud ofScottMc has much to be proud ofScottMc has much to be proud ofScottMc has much to be proud ofScottMc has much to be proud ofScottMc has much to be proud ofScottMc has much to be proud of
Default Re: Maintaining UK bank accounts and Credit cards

Its 11 years contributions here to qualify isn't it? I need to check as I'll have done that and then no point adding to it..prob no state pension available by the time I'm ready for it!
ScottMc is offline  
Old Feb 5th 2007, 9:08 pm
  #19  
Thinking about it
 
BigDavyG's Avatar
 
Joined: Oct 2005
Location: Mid-West
Posts: 9,435
BigDavyG has a reputation beyond reputeBigDavyG has a reputation beyond reputeBigDavyG has a reputation beyond reputeBigDavyG has a reputation beyond reputeBigDavyG has a reputation beyond reputeBigDavyG has a reputation beyond reputeBigDavyG has a reputation beyond reputeBigDavyG has a reputation beyond reputeBigDavyG has a reputation beyond reputeBigDavyG has a reputation beyond reputeBigDavyG has a reputation beyond repute
Default Re: Maintaining UK bank accounts and Credit cards

Originally Posted by Jerseygirl View Post
If you've paid enough..yes and vica versa.
Enough for what ??

So say I go to the US for 4 years and work the whole time. I could use ss payments made in the US to cover the missing ni contributions in the UK - is that what you're saying ??
BigDavyG is offline  
Old Feb 5th 2007, 9:10 pm
  #20  
Thinking about it
 
BigDavyG's Avatar
 
Joined: Oct 2005
Location: Mid-West
Posts: 9,435
BigDavyG has a reputation beyond reputeBigDavyG has a reputation beyond reputeBigDavyG has a reputation beyond reputeBigDavyG has a reputation beyond reputeBigDavyG has a reputation beyond reputeBigDavyG has a reputation beyond reputeBigDavyG has a reputation beyond reputeBigDavyG has a reputation beyond reputeBigDavyG has a reputation beyond reputeBigDavyG has a reputation beyond reputeBigDavyG has a reputation beyond repute
Default Re: Maintaining UK bank accounts and Credit cards

Originally Posted by ScottMc View Post
prob no state pension available by the time I'm ready for it!
That's kind of what I was thinking anyway and already opted out of additional state pension payments at home.
I'm more concerned about 'wasting' future contributions should I go back to the UK to be honest.
BigDavyG is offline  
Old Feb 5th 2007, 9:11 pm
  #21  
SUPER MODERATOR
 
Jerseygirl's Avatar
 
Joined: Dec 2005
Posts: 82,287
Jerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond repute
Default Re: Maintaining UK bank accounts and Credit cards

Originally Posted by BigDavyG View Post
Enough for what ??

So say I go to the US for 4 years and work the whole time. I could use ss payments made in the US to cover the missing ni contributions in the UK - is that what you're saying ??
You have to have made a certain amount of contributions and I'm not sure what that is. As Bob said there is an agreement between the US/UK to make up the pension payable.
Jerseygirl is offline  
Old Feb 5th 2007, 10:03 pm
  #22  
Bob
BE Site Lead
 
Bob's Avatar
 
Joined: Aug 2004
Location: MA, USA
Posts: 91,737
Bob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond repute
Default Re: Maintaining UK bank accounts and Credit cards

Originally Posted by BigDavyG View Post
How do you mean 'using the reciprocal agreement' ??
If I return to the UK and inform them I was here will the contributions I missed be paid by Uncle Sam ??
yup.
Bob is offline  
Old Feb 5th 2007, 10:04 pm
  #23  
Bob
BE Site Lead
 
Bob's Avatar
 
Joined: Aug 2004
Location: MA, USA
Posts: 91,737
Bob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond repute
Default Re: Maintaining UK bank accounts and Credit cards

Originally Posted by ScottMc View Post
Its 11 years contributions here to qualify isn't it? I need to check as I'll have done that and then no point adding to it..prob no state pension available by the time I'm ready for it!
It's 10 full quarters of contributions, but can work out to be less than 10 years.
Bob is offline  
Old Feb 5th 2007, 10:05 pm
  #24  
Forum Regular
Thread Starter
 
Joined: May 2006
Location: Schaumburg, IL
Posts: 56
ScottMc has much to be proud ofScottMc has much to be proud ofScottMc has much to be proud ofScottMc has much to be proud ofScottMc has much to be proud ofScottMc has much to be proud ofScottMc has much to be proud ofScottMc has much to be proud ofScottMc has much to be proud ofScottMc has much to be proud ofScottMc has much to be proud of
Default Re: Maintaining UK bank accounts and Credit cards

Originally Posted by Bob View Post
It's 10 full quarters of contributions, but can work out to be less than 10 years.
Ahh, done that. In that case no real benefit from voluntarily adding them as far as I'm aware unless someone corrects me?
ScottMc is offline  
Old Feb 5th 2007, 10:12 pm
  #25  
Junior Showtime
 
Kate2112's Avatar
 
Joined: Jul 2005
Location: Singapore
Posts: 3,759
Kate2112 has a reputation beyond reputeKate2112 has a reputation beyond reputeKate2112 has a reputation beyond reputeKate2112 has a reputation beyond reputeKate2112 has a reputation beyond reputeKate2112 has a reputation beyond reputeKate2112 has a reputation beyond reputeKate2112 has a reputation beyond reputeKate2112 has a reputation beyond reputeKate2112 has a reputation beyond reputeKate2112 has a reputation beyond repute
Default Re: Maintaining UK bank accounts and Credit cards

I have LloydsTSB current account and CC's. Both have US billing address though I use online banking to pay CC from another UK account (Barclays) No problem having a US address.

Class 2 conts for pension purposes may be worthwhile if you are within 10 years of a state pension and have a full contribution record. You can get a statement advising your contribution record from http://www.thepensionservice.gov.uk/ which can help to answer any questions you have re current position and future entitlement.
Kate2112 is offline  
Old Feb 5th 2007, 10:12 pm
  #26  
Bob
BE Site Lead
 
Bob's Avatar
 
Joined: Aug 2004
Location: MA, USA
Posts: 91,737
Bob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond repute
Default Re: Maintaining UK bank accounts and Credit cards

Originally Posted by ScottMc View Post
Ahh, done that. In that case no real benefit from voluntarily adding them as far as I'm aware unless someone corrects me?
I was talking about the US...don't know about the UK....but if you don't have enough contributions to draw a pension in one country, you can use your countributions in the other as a top up.
Bob is offline  
Old Feb 6th 2007, 1:02 am
  #27  
thanks for all the fish !
 
Richardowen's Avatar
 
Joined: Jul 2006
Location: Austin, TX - Finally !
Posts: 218
Richardowen has much to be proud ofRichardowen has much to be proud ofRichardowen has much to be proud ofRichardowen has much to be proud ofRichardowen has much to be proud ofRichardowen has much to be proud ofRichardowen has much to be proud ofRichardowen has much to be proud ofRichardowen has much to be proud ofRichardowen has much to be proud ofRichardowen has much to be proud of
Default Re: Maintaining UK bank accounts and Credit cards

Originally Posted by Jerseygirl View Post
Why use his mum's address when he can use his own? I've lived here for almost 11 yrs and the Nat West and Halifax have had no problem whatsoever with my US address.
I have a Halifax account and had to send a letter to my branch to change my address to my folks and then had to call them 5 times until I finally got to speak to the branch where they said, "oh yes we got your letter and we sent a letter to you for you to confirm that this was from you"..... yep they sent the letter to my OLD address !

With regard to changing to US account, I thought they'd have a problem with sending statements etc internationally and Halifax told me that the least number of statements they can send is 4 a year (quaterly).

Did you have to go into a branch to change your address to US address ?

Actually I have 4 accounts with Halifax and everytime I've moved it's taken me 5 or 6 attempts to get my address changed on all my accounts. IMHO they're a good bank as far as services are concerned but they're a very incompetent when it comes to customer service and basic administration.

R./
Richardowen is offline  
Old Feb 6th 2007, 1:09 am
  #28  
SUPER MODERATOR
 
Jerseygirl's Avatar
 
Joined: Dec 2005
Posts: 82,287
Jerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond repute
Default Re: Maintaining UK bank accounts and Credit cards

Originally Posted by Richardowen View Post
I have a Halifax account and had to send a letter to my branch to change my address to my folks and then had to call them 5 times until I finally got to speak to the branch where they said, "oh yes we got your letter and we sent a letter to you for you to confirm that this was from you"..... yep they sent the letter to my OLD address !

With regard to changing to US account, I thought they'd have a problem with sending statements etc internationally and Halifax told me that the least number of statements they can send is 4 a year (quaterly).

Did you have to go into a branch to change your address to US address ?

Actually I have 4 accounts with Halifax and everytime I've moved it's taken me 5 or 6 attempts to get my address changed on all my accounts. IMHO they're a good bank as far as services are concerned but they're a very incompetent when it comes to customer service and basic administration.

R./
I have several accounts with them too. No I think we just had to put it in writing...they have a copy of your signature on record so it shouldn't be a problem. I just have deposit accounts with them and can't say I've had any problems.
Jerseygirl is offline  
Old Feb 6th 2007, 3:31 am
  #29  
Ray
 
Ray's Avatar
 
Joined: Mar 2003
Posts: 68,280
Ray has a reputation beyond reputeRay has a reputation beyond reputeRay has a reputation beyond reputeRay has a reputation beyond reputeRay has a reputation beyond reputeRay has a reputation beyond reputeRay has a reputation beyond reputeRay has a reputation beyond reputeRay has a reputation beyond reputeRay has a reputation beyond reputeRay has a reputation beyond repute
Default Re: Maintaining UK bank accounts and Credit cards

I just love First Direct ... bend over backward to help you ...
Ray is offline  
Old Feb 6th 2007, 3:33 am
  #30  
SUPER MODERATOR
 
Jerseygirl's Avatar
 
Joined: Dec 2005
Posts: 82,287
Jerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond repute
Default Re: Maintaining UK bank accounts and Credit cards

Originally Posted by Ray View Post
I just love First Direct ... bend over backward to help you ...
They sound just like Chase...
Jerseygirl is offline  

Contact Us - Archive - Advertising - Cookie Policy - Privacy Statement - Terms of Service - Do Not Sell My Personal Information

Copyright © 2018 MH Sub I, LLC dba Internet Brands. All rights reserved. Use of this site indicates your consent to the Terms of Use.