Regular Savings Accounts: The Best Currently Available List!

SFindlay

Rich2808 said:

schiff said:

I don't recollect any set of T&Cs, not only with RSs, that leaves at least one unclear T&C. 
It is in the MSE genes to take advantage - remember Gambling Introductory Loopholes - and that's what certain of us have done. 

I certainly agree it would be useful for building society and bank staff who write terms and conditions and associated summary details on their website to be able to form coherent sentences which are not open to multiple interpretations!
Coventry still have this wording 'you can only have one version of a regular saver at a time'.  Why include the words 'version of a' - if you mean only one regular saver in total? Or do you in fact mean not 'version of' but 'issue of' - does this mean you can have an issue 4 and an issue 5 but not two issue 5s? 
I expect its the former they actually mean - but those 3 words confuse matters.
https://www.coventrybuildingsociety.co.uk/consumer/product/savings/regular_saver/regular-saver-5.html

Rich2808 don't worry I wasn't wasting my time at 0148 hours and hardly think me posting then wasted anybody else's time but thanks for the concern!!

You really don't seem to be grasping the point though do you?? It's totally irrelevant what the T&Cs actually say, this forum and others like it are to HELP people by providing personal experiences so other know if they can make a 13th payment, open multiple accounts or simply as Colsten has done above provide positive feedback about a certain provider. The forum IS NOT for people to get jealous and run to financial institutions to report people getting round loopholes in order for them to tighten up, basically behaving as if they're a child running to tell the teacher!!! 

As far as Coventy goes numerous people have provided personal experiences of holding multiple issues and being paid the correct interest on all accounts upon maturity so therefore claiming highlighting the issue to them is for everyone's benefit so they don't have their accounts closed or don't get the advertised rate is just an excuse and a poor one at that when in reality it's just childish.

Anyway I don't think it can be explained any clearer than that and I just hope in future people refrain from running to institutions to report loopholes or guess what this thread and all the good advice will disappear because nobody will want to share their experience in case it leads to others getting jealous and reporting it.

[Deleted User]

Petty name calling doesn't do the forum any good. People exploited a loophole, the loophole is now correctly closed. Nothing worse than a kid who is bullied being told they're a "snitch" or similar for reporting it to the teacher. No-one is jealous and it was inevitable this would be spotted eventually. Maybe think before you post abusive comments because you're unhappy you were getting away with breaking the rules and got caught. Snitches get stitches, right?

Speculator

Any loopholes will need to be discussed via pms in the future.  Too risky posting on here.

colsten

Speculator said:

Any loopholes will need to be discussed via pms in the future.  Too risky posting on here.

How would you 'police' that?

You'd still get people asking questions on the forum -  and people answering them.

You'd also still get people running to the providers asking them about loopholes.

And you will still get people bragging about the exploitation of loopholes.

what7

Loophole for 1% RS, give me a break haha

Be_Happy

I nearly missed this one with the amount of information here, but glad I saw it and very pleased with customer service.

Used online chat to check eligibility of my account - instant connection and speedy answer.  Selected apply for account on line and within 10 minutes had phone call from local branch asking if I wanted form posted out, or would like telephone appointment to apply.  Chose telephone appointment and received phone call dead on time next day.
Edited:  referring to YBS 3.5% Loyalty Regular Saver.

RG2015

Be_Happy said:

I nearly missed this one with the amount of information here, but glad I saw it and very pleased with customer service.

Used online chat to check eligibility of my account - instant connection and speedy answer.  Selected apply for account on line and within 10 minutes had phone call from local branch asking if I wanted form posted out, or would like telephone appointment to apply.  Chose telephone appointment and received phone call dead on time next day.

Which one?

P3

Sound like YBS 3.5% 

Be_Happy

RG2015 said:

Be_Happy said:

I nearly missed this one with the amount of information here, but glad I saw it and very pleased with customer service.

Used online chat to check eligibility of my account - instant connection and speedy answer.  Selected apply for account on line and within 10 minutes had phone call from local branch asking if I wanted form posted out, or would like telephone appointment to apply.  Chose telephone appointment and received phone call dead on time next day.

Which one?

Sorry.   I had searched for YBS regular saver and was thinking of following on from previous quotes.   Yes.  I'm talking about experience applying for YBS Loyalty Regular Saver

liamcov

For Reg savers which require a SO (BOS, Hal, Lloyds x 2 and TSB for the ones I have) which are a minimum amount, can I top these up by doing an online bank transfer?

I know some only allow 1 deposit per month (which would have been done with the SO) and I haven't needed to do so previously, but now due to dwindling rates...