Easy £25 loophole Discussion Area

skiddy2k

nickinoo wrote:

My question is how long does the "25 take to be credited? I really could do with that £100 back!

First Direct say that it takes 28 days, from the date of the deposit of the £100 into the first direct current account, to recieve the £25.

lipidicman

You cant get something for nothing (not quite) - they will make you wait a bit for the cash!

karenj

£100 reached my account on 2nd March and on 7th March they credited me with the £35 'joining incentive', so 5 days max for me!!

Irons_2

I could keep the account but then that would leave me with three current accounts & I was of the understanding that this could impact my credit rating

gavhen

lipidicman wrote:

It seems the staff at first direct are annoyed about how this offer was set out. They must have been really busy and they know that a lot of people have no intention of banking with them....

...Back on the staff, your point about 'who would not want the offer?' is fair - and I dont understand why my friends or family couldnt be bothered, perhaps we are just a bit obsessed here. I see it that everybody wants my money all the time, and I want some back when I see a chance. The call-centre staff should be angry at their bosses not abrupt with customers. So far I have found them to be great (as I said I might even use the account, they have been so good).

If you write to customer services and explain that the refusal was in error (if it was 18 months) then they should extend the offer to you...

...Have you got your credit file sorted, and that late charge note removed - otherwise you will continue to have grief!

Good luck - HTH

i might give a chance to redeem themselves by sending them an email asking them to include my account in the promotion and to give a complaint about their staff attitudes to new customers. it's almost becomin too much hassle for the £25 though.

I've had a completely clean credit record ever since sorting out that one, telewest eventually removed it completely after about 3 months and many emails to them and experian. i dont see why i should have to do the credit check for them though, surely they do one for all their new customers anyway, and the copy i did have would now be approx a year out of date.

lipidicman

Irons wrote:

I could keep the account but then that would leave me with three current accounts & I was of the understanding that this could impact my credit rating

Applying involves a credit score - but I dont think holding an account has any impact if you run it well - and as a current account customer, first direct may be more inclined to give you favourable terms

lipidicman

gavhen wrote:

i might give a chance to redeem themselves by sending them an email asking them to include my account in the promotion and to give a complaint about their staff attitudes to new customers. it's almost becomin too much hassle for the £25 though.

I've had a completely clean credit record ever since sorting out that one, telewest eventually removed it completely after about 3 months and many emails to them and experian. i dont see why i should have to do the credit check for them though, surely they do one for all their new customers anyway, and the copy i did have would now be approx a year out of date.

I would email them and get them to sort things out out of principal - the £25 will be a bonus.

On the credit file - you wont be 'doing a credit check for them', you would be doing yourself a favour by ensuring you wont have any problems in the future!

lipidicman

karenj wrote:

£100 reached my account on 2nd March and on 7th March they credited me with the £35 'joining incentive', so 5 days max for me!!

I put the cash in today - so I'll let you know when I get it!

steveb1967

dear dan I am new to the chat forum, I wanted to ask, I opened a First Direct current account & got £25 (great). But I have just received three member get member referal cards. Basically if I refer someone & they open an account & put £100 in it they get £25 and so do I for refering them. I still have my FD account but it only has £1.47 in it and have never had to pay my wages into it. Would it be against MSE policy if I tried to introduce anybody from this site. Many Thank Steven

Remmo748

It's not just the Times advert that gives you the £25 cashback. I have seen similar with Amazon purchases & also with BMW Magazine (the route that I used).