Enjoying Life's Indulgences Together Everyday

fairclaire

purpledonkey wrote: »

:rotfl: my mother's car has a tape player, I use a converter to play mp3s with. I usually have picks up to do all over first, but I know a lot of 'short cuts', well slightly quicker than the main roads (mainly via Camden, Primrose Hill, Baker Street and then Marylebone Road to the A40/M40). I was around Surrey way last week at a film studio near Egham and was thinking about you (not in a creepy way).

I still can't believe cars have tape players :eek: I might have posted this recently? if I have I apologise but I found a cassette in an old car when we were selling it, DS2 asked what it was and I said ' it's a cassette' he said ' how do you smoke it' :eek::rotfl::rotfl::rotfl:

Anon

Savvybuyer wrote: »

Thanks. I'll study the T&Cs! I know with Halifax if you close then switch back again, you can't get another £100 welcome bonus if you have switched since 2012(?). Sometimes (my impression is) you need to cease being a customer entirely then come back. Perhaps I need my head dipping into reality if my impression turns out to be wrong! I'll see what I can do - rest assured I will immediately move my money for the best interest rates! :think:Perhaps I ought to open a Clydesdale account too (as there's bound to be more beyond the £2500)?

Went to have a look:

Opening multiple FlexDirect accounts: Under the terms and conditions of this account customers are only entitled to one promotional credit interest rate of 5% AER. The only permitted exception to receive more than one promotional rate is if the additional account is held in joint names.

Any additional FlexDirect accounts held or more than one joint account held by you and another customer will result in the credit interest rate being reduced from 5% to 1% within 3 working days of the account being opened.

http://www.nationwide.co.uk/products/current-accounts/flexdirect/rates-fees-overdrafts

So when ready, open a new account, transfer money out to an external account and back into the new one and close the existing account immediately (thus only one account exists on 3 day rule).

Confirms the extra joint account option.

HTH

Anon

fairclaire

zippydooda wrote: »

can you did them in tea like a normal biscuit?

yes, you just have to withdraw it really quickly before it droops and falls in :eek:

pattylabelle

zippydooda wrote: »

can you did them in tea like a normal biscuit?

Aye ya can do that or you can dip them too;)

Anon

zippydooda wrote: »

can you did them in tea like a normal biscuit?

Once paid for you can do what you want with them, they aren't fussy .

Anon

eightieschick88

zippydooda wrote: »

can you did them in tea like a normal biscuit?

Yes I suppose you could if you're that way inclined :rotfl: they're a bit like digestives but more filling hth

fairclaire

pattylabelle wrote: »

Aye ya can do that or you can dip them too;)

Evening patty

purpledonkey

fairclaire wrote: »

You could always change direction and follow your passion whatever that might be? I'm sure you could go in a baking related direction?......maybe teaching it? I don't know?
My husband calls me a perpetual student, and that's a big word for him :rotfl:

I like it! No idea what I could/want to do - I have a small fear of routines. Having worked in jobs where every week is the same, I ended up hating it. I wish there were a stable job that involved doing a bit of everything but changed every so often.

fairclaire wrote: »

I still can't believe cars have tape players :eek: I might have posted this recently? if I have I apologise but I found a cassette in an old car when we were selling it, DS2 asked what it was and I said ' it's a cassette' he said ' how do you smoke it' :eek::rotfl::rotfl::rotfl:

:rotfl: that is an odd question! What made him think they could be smoked?! :eek: My mum's car is 16 years old, I used to use the tape converter for my CD Walkman :rotfl:

Anon

Savvybuyer wrote: »

Yea. Interest is 5% "for the first 12 months" then becomes 1%. So, immediately it does, shut it. Then open a new Flex account and interest should be 5% for the first 12 months on the new account. After all that's what their advertising says, which is what encourages you to come to them for an account (soon after you've closed the one that's now dropped to 1%).

But -
Opening multiple [FD] accounts: Under the terms and conditions of this account customers are only entitled to one promotional credit interest rate of 5% AER. The only permitted exception to receive more than one promotional rate is if the additional account is held in joint names.

But you don't have a "multiple" account. You've just closed the first one you got, last year, and only ever have a single account. One promotional rate applies to that. At least I argue! They could of course decline to open an account for you. Or they could change the 5% interest rate (but if they did that they'd surely have to change it for all potential customers)?

Obviously typing at the same time - jinx! My reason for opening one then closing the original is you then would (I think) have immediate online access, I may be wrong.

Anon

Savvybuyer

Anon wrote: »

Obviously typing at the same time - jinx! My reason for opening one then closing the original is you then would (I think) have immediate online access, I may be wrong.

Anon

In reference to my earlier post, which you quote:

Sorry -

"
FlexDirect conditions
These additional conditions supplement and amend the Nationwide current account agreement. In the event of any inconsistency between these additional conditions and the Nationwide current account agreement, these additional conditions will apply.
Unless otherwise stated,we may vary these conditions in accordance with Part I of the current account agreement.
1.
Account holding and ownership
[...]
1.4
You will only be entitled to one introductory rate or offer (where applicable) on a Nationwide Group current account product. If you have previously held the same Nationwide current account product in the last 12 months, you will not be entitled to the introductory rate or offer under this agreement."
http://www.nationwide.co.uk/~/media/MainSite/documents/products/current-accounts/shared/P857_ImportantInformation-TermsAndConditions.pdf

So - seems you have to be away for a year:(. Time to be getting the other (new) accounts from the other banks, ready to close them a year down the line, when you can return to Nationwide (assuming the FD interest rate is then still a good offer).

So much for "On your side" obviously!:rotfl: