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Skipton members RS

I remember that some posters were considering closing the 7.5% version and then immediately opening the present 7% version. I am considering this technique to free savings to partially fund a new ISA come April.

Has anyone tried this? How easy was the change?

Bobblehat

friolento said:

Message from Skipton:

The date for the deposit still shows as the 4th. May be it will update overnight?

I inquired by live chat on Tuesday (5th) about my SO paid out of my CA on Friday (1st) which eventually showed as received late on Monday(4th). I was first told that it was not possible to backdate the payment, but when I challenged this, after a protracted pause in the conversation, I was told that the CS could "see" that  .....

"My apologies, I can see that interest is being earned on this payment from the 1st March."

I asked them how they could "see" this, was it a separate field on the screen to the date credited? It took a while to get a reply to that actual question, but I eventually got ....

"I am able to view the date funds were received, processed and interested paid from."

So, it seems that the payment might remain as 4th, with a promise that the interest will be paid from the 1st. I have kept a copy of the chat!

savethepandas

PloughmansLunch said:

dealyboy said:

@PloughmansLunch said:

ChewyyBacca said:

Has anybody opened a Co-Op Cashminder account and then successfully opened the 7% Regular saver with Co-op?
T&Cs of RS on the website says Cashminder current account is acceptable, but someone on the forum got rejected for RS, saying Cashminder acct is not acceptable.

Anyone else has got a different experience?

Yes - I’ve had emails and letters in the post confirming the account details so both are technically open, but have left them unfunded for now as I’m unable to register for online banking. I’m a new customer but my accounts are locked before I’ve even chosen a password for some reason, and an hour and a quarter on the phone for co-op CS to attempt to rectify was a complete waste of time. 

Co-op RS

Hi Ploughmans ... What actually happens when you try to register? I must have tried about a dozen times before it actually worked.

I get his message below, and I can’t face a hour+ of that hold music again. Unless my name or date of birth has changed without my knowledge I’m stumped, as the only other details needed are right there in front of me on the card. It doesn’t work if I use the RS details either

My OH had this problem, the last letter of his surname was missed by the Coop, didn't stop the switch taking place, which I was surprised at.

His name is 6 space 8, with middle names taking up another 15, so there may be some truncation going on.

PloughmansLunch

savethepandas said:

PloughmansLunch said:

dealyboy said:

@PloughmansLunch said:

ChewyyBacca said:

Has anybody opened a Co-Op Cashminder account and then successfully opened the 7% Regular saver with Co-op?
T&Cs of RS on the website says Cashminder current account is acceptable, but someone on the forum got rejected for RS, saying Cashminder acct is not acceptable.

Anyone else has got a different experience?

Yes - I’ve had emails and letters in the post confirming the account details so both are technically open, but have left them unfunded for now as I’m unable to register for online banking. I’m a new customer but my accounts are locked before I’ve even chosen a password for some reason, and an hour and a quarter on the phone for co-op CS to attempt to rectify was a complete waste of time. 

Co-op RS

Hi Ploughmans ... What actually happens when you try to register? I must have tried about a dozen times before it actually worked.

I get his message below, and I can’t face a hour+ of that hold music again. Unless my name or date of birth has changed without my knowledge I’m stumped, as the only other details needed are right there in front of me on the card. It doesn’t work if I use the RS details either

My OH had this problem, the last letter of his surname was missed by the Coop, didn't stop the switch taking place, which I was surprised at.

His name is 6 space 8, with middle names taking up another 15, so there may be some truncation going on.

I got it sorted out in the end after another long phonecall - co-op had retained my old debit card and account details from a 1yr+ ago switched out account, and not updated my customer profile with the new current & savings accounts.

renza88

Got a Co-op current account opened fairly quickly so applied for their regular saver on 4th March and got an application acknowledgement.  It's now the 12th and no sign of the account.  Called today and was told I forgot to put my middle name on the form but I guess nobody contacted me to query this?!  It's so weird to be waiting so long when every other bank opens these accounts sometimes within a matter of minutes.   She said I should have the account within the next couple of days but I guess we'll just have to see.  

soulsaver

renza88 said:

Got a Co-op current account opened fairly quickly so applied for their regular saver on 4th March and got an application acknowledgement.  It's now the 12th and no sign of the account.  Called today and was told I forgot to put my middle name on the form but I guess nobody contacted me to query this?!  It's so weird to be waiting so long when every other bank opens these accounts sometimes within a matter of minutes.   She said I should have the account within the next couple of days but I guess we'll just have to see.  

They say (when she asked what was taking so long) they hadn't processed my OH's because she put 'Ms' on the application when their existing records said 'Miss' ... FGS!

They asked which was correct?

Seriously? 'Both', she said. 

She's still waiting after a February 26th application...! They say they're busy with processing... finding things to be picky about? Failed to put a full stop after 'Rd' in your address?

surreysaver

Whenever you're talking to a computer, you just need to tell it what it wants to hear. If you're giving data to a computer that already holds data on you, just give it the data that matches what it already knows 

dealyboy

@surreysaver said:

Whenever you're talking to a computer, you just need to tell it what it wants to hear. If you're giving data to a computer that already holds data on you, just give it the data that matches what it already knows 

... definitely a good tip that I try to follow ... so in my case most of my accounts are shown with just first name and last name so if I'm being asked my 'middle name (optional)' when applying for something I tend to leave it out ... another is the address I let the system find my address from the postcode and just select my property number, so no house/flat name, village or county.

soulsaver

dealyboy said:

@surreysaver said:

Whenever you're talking to a computer, you just need to tell it what it wants to hear. If you're giving data to a computer that already holds data on you, just give it the data that matches what it already knows 

... definitely a good tip that I try to follow ... so in my case most of my accounts are shown with just first name and last name so if I'm being asked my 'middle name (optional)' when applying for something I tend to leave it out ... another is the address I let the system find my address from the postcode and just select my property number, so no house/flat name, village or county.

The point is it shouldn't be a tip you need to follow if you've already got accounts there. But the Co Op apparently isn't that competent....

dealyboy

@soulsaver said:

dealyboy said:

@surreysaver said:

Whenever you're talking to a computer, you just need to tell it what it wants to hear. If you're giving data to a computer that already holds data on you, just give it the data that matches what it already knows 

... definitely a good tip that I try to follow ... so in my case most of my accounts are shown with just first name and last name so if I'm being asked my 'middle name (optional)' when applying for something I tend to leave it out ... another is the address I let the system find my address from the postcode and just select my property number, so no house/flat name, village or county.

The point is it shouldn't be a tip you need to follow if you've already got accounts there. But the Co Op apparently isn't that competent....

I know but I gave up trusting any organisation that uses computer systems to get it right some 50 years ago ... and what was I doing some 50 years ago? ... developing a computer system for Barclays Bank ... hehe.