Regular Saver Thread **New and Restarted**

schiff

Just completed my maturity form. More detailed and a bit intrusive compared with most! As I've told them that I'm single and not related to any other Chorley customer, I expect I'll receive introductions to carefully chosen dating sites to cater for my future.

So if I don't post as often as usual it will be because I'm off meeting some lonely widows in the Chorley region! :cool:

gingercordial

schiff wrote: »

Just completed my maturity form. More detailed and a bit intrusive compared with most! As I've told them that I'm single and not related to any other Chorley customer, I expect I'll receive introductions to carefully chosen dating sites to cater for my future.

So if I don't post as often as usual it will be because I'm off meeting some lonely widows in the Chorley region! :cool:

I found that question on being related to another customer so odd when I last dealt with Chorley. I know my husband doesn't have an account but I wasn't about to go all round my parents, brother, aunts, uncles, grandparents etc asking them if they have one! I said no, but what a weird thing to ask or expect customers to know.

Best of luck with the Chorley dating scene :rotfl:

Andystriker

schiff wrote: »

Just completed my maturity form. More detailed and a bit intrusive compared with most! As I've told them that I'm single and not related to any other Chorley customer, I expect I'll receive introductions to carefully chosen dating sites to cater for my future.

So if I don't post as often as usual it will be because I'm off meeting some lonely widows in the Chorley region! :cool:

I don't know what my annual income, other income and where other income is from has got to do with them?

schiff

Andystriker wrote: »

I don't know what my annual income, other income and where other income is from has got to do with them?

I was tempted to put 'enough' but eventually left it blank.

I suppose it's the money laundering thing gone a bit over the top.

Fingerbobs

polymaff wrote: »

Then - when you've finally clambered all the way through that, if you are like me - someone who has advanced the monthly payment date of the previous RS to the first day of the month in order to earn more interest - the Halifax will accept the SO instruction for, in my case, today but when you next log in you'll see that the SO payment for the first of the new year's RS has been paid over - then bounced back as you've already made a May payment - in the last RS year.

Grrrrr.

Sorry for being a bit thick, but I don't quite follow this. Does it mean that, if you defer the deposit in the maturity month until after the maturity date, and then make the next month's payment at the beginning of the following month, that payment is bounced back?

So you make (say) May's deposit during May but after the maturity date, then June's deposit at the beginning of June, June's deposit is bounced?

Emily_Joy

Fingerbobs wrote: »

Sorry for being a bit thick, but I don't quite follow this. Does it mean that, if you defer the deposit in the maturity month until after the maturity date, and then make the next month's payment at the beginning of the following month, that payment is bounced back?

So you make (say) May's deposit during May but after the maturity date, then June's deposit at the beginning of June, June's deposit is bounced?

Nope. This means that 13th payment is allowed (just a few days before the maturity date, say), but then you won't be able to fund renewed saver account immediately after opening and will have to wait till the next month.

Fingerbobs

Emily_Joy wrote: »

Nope. This means that 13th payment is allowed (just a few days before the maturity date, say), but then you won't be able to fund renewed saver account immediately after opening and will have to wait till the next month.

Got it - thank you.

polymaff

Fingerbobs wrote: »

Sorry for being a bit thick, but I don't quite follow this. Does it mean that, if you defer the deposit in the maturity month until after the maturity date, and then make the next month's payment at the beginning of the following month, that payment is bounced back?

So you make (say) May's deposit during May but after the maturity date, then June's deposit at the beginning of June, June's deposit is bounced?

Most regular savers require payments each calendar month, e.g. Halifax / Bank of Scotland / Lloyds. As most RSs span 13 months you can make 13 deposits, and, more to the point, earn extra interest thereby. I say that as the HSBC group allow you to pay in 13 tiimes but they don't pay extra interest.

When you do this, you arrange the funding SO immediately you open the RS, setting it to pay the first payment asap. As soon as this payment is made you edit the SO to pay on the next 1st of a month for at least 12 more payments.

What I was pointing our in my post is that this falls over when you use Halifax's new RS roll-over, "Nominate" procedure - so if you want to use this trick, don't use "Nominate",

While you quoted me, you are actually querying ctdctd's problem of the second payment failing. I've never met that issue - yet.

mgarl10024

Just received my Monmouthshire maturity letter. The available bonds are not great (1yr, 1.2%, 2yr, 1.45%, 5yr, 2%), and the regular saver (2.5%) and celebration regular saver (3%) necessitate a branch visit. Yuk.

schiff

mgarl10024 wrote: »

Just received my Monmouthshire maturity letter. The available bonds are not great (1yr, 1.2%, 2yr, 1.45%, 5yr, 2%), and the regular saver (2.5%) and celebration regular saver (3%) necessitate a branch visit. Yuk.

That wasn't my experience at all! Can't remember my last visit into Wales and I've got the passbook for the CRS! Check again.