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    • a&akay
    • By a&akay 1st Dec 17, 6:31 PM
    • 522Posts
    • 188Thanks
    Birmingham Midshires 1.45%
    • #1
    • 1st Dec 17, 6:31 PM
    Birmingham Midshires 1.45% 1st Dec 17 at 6:31 PM
    Showing on their website. As I have a 1.3%, I've just applied for this online. It was set up instantly. Just need to transfer the savings across between the 2. Each is linked to a different feeder so bit of a faff. I'll keep each open to satisfy DDs.

    BM did a site upgrade today. Both my 1.3% account and the 1.45% are now showing as 1.45% so I've gained an extra DD for the Tesco DD withdrawal. Faster payments have gone into the latter account within a few hours OK. These are from a 123 account, which I've just closed, where Martin's analysis shows it's not worth keeping if the 123 DD cashbacks don't make up for the £5 fee. I've kept the date of opening of the 2 for when the rate drops, unless other instant access savers are offered with a better % in the meantime.
    Last edited by a&akay; 03-12-2017 at 6:12 PM. Reason: Update
Page 3
    • Wilma33
    • By Wilma33 10th Jan 18, 7:13 PM
    • 646 Posts
    • 1,379 Thanks
    I finally got set up for Birmingham Midshires online today (having applied about a month ago) and the online interface is terrible!
    • MarkFromCornwall
    • By MarkFromCornwall 10th Jan 18, 7:47 PM
    • 749 Posts
    • 477 Thanks
    the online interface is terrible!
    Originally posted by Wilma33
    It's quick.
    Logging in and out are never delayed by an advert.
    It shows the interest rate on the first page.
    It's easy to print an interest certificate.
    You can easily close your account online.

    What more do you want ... pictures of Birmingham?
    It's not my fault that nothing works: the bank suggested I install Trusteer Rapport.
    • hoc
    • By hoc 11th Jan 18, 1:16 AM
    • 223 Posts
    • 137 Thanks
    I agree the site works fine... when it works. I have found it unavailable too often after midnight due to maintenance.
    • SG27
    • By SG27 11th Jan 18, 6:14 AM
    • 1,958 Posts
    • 1,227 Thanks
    I applied beginning of December. Recieved the welcome letter after a week but nothinf else. Its shockingly bad, I wont be going ahead with the account now. My nationwide accounts and regular saver mature next week so need somewhere to put it.

    Since the rate was pulled so quick I cant help thinking its an intentional strategy to cut back applicants after it got over subscribed
    Mortgage Debt: £93,537.48/£105,025 Feb 13
    Overpayments so far: £3,939.72
    • 18cc
    • By 18cc 11th Jan 18, 8:41 AM
    • 292 Posts
    • 160 Thanks
    Just checked my nationwide flex account I have made several FP in the last week to BM and the sort code hasnt changed it still ends with 78.
    • youngretired
    • By youngretired 11th Jan 18, 10:10 AM
    • 155 Posts
    • 76 Thanks
    My Halifax did change to the 209786 but took 2 days to happen.
    • Speculator
    • By Speculator 12th Jan 18, 12:13 PM
    • 1,755 Posts
    • 1,346 Thanks
    Open one of these accounts (1.3%) for my wife on 7th Nov and completely forgot about it. Only remembered when she checked her Direct Debits on her Club Lloyds current account and noticed a Direct Debit from BM that's never been paid.

    Anyway, checked the pile of junk mail waiting to be shredded and found the letter from BM requesting a cheque from her linked account.

    Sent the cheque off last Thursday, 2 months late. Hope they can still open the account for her!
    Originally posted by Speculator
    They've opened it even though she's two months late in sending the cheque! Also, she will be getting 1.45% and not the 1.3% when she applied in early November.

    Cheque was sent 4/1 and she received her username & welcome letter today 12/1
    Last edited by Speculator; 12-01-2018 at 12:34 PM. Reason: spelling
    • Minnie1234
    • By Minnie1234 20th Jan 18, 3:32 PM
    • 1 Posts
    • 0 Thanks
    Incompetent Stone Age organisation
    Here's my cautionary tale : applied online Dec.8th , cheque for £1 sent off soon after , cheque returned as signatiure form not complete ( they hadn't sent it to me ) , cheque resent without delay now with signature form , cheque eventually cashed on January 9th and no further communication received.So 43 days later the account opening is still incomplete.
    Frankly,I'm past caring and will happily leave my sizeable cash sum earning less interest elsewhere.
    How this organisation continues to function in the 21st century is beyond me.
    • EachPenny
    • By EachPenny 20th Jan 18, 4:01 PM
    • 4,935 Posts
    • 10,454 Thanks
    How this organisation continues to function in the 21st century is beyond me.
    Originally posted by Minnie1234
    I'd guess because a lot of customers are willing to put up with all the foibles in order to get 1.45% on their money.

    If you really think BM have been bad, take a look at the thread about the NatWest switching incentive.
    "In the future, everyone will be rich for 15 minutes"
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