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The Old Regular Savers Discussion Thread 28/12/24-29/1/26

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Comments

  • clairec666
    clairec666 Posts: 1,365 Forumite
    1,000 Posts First Anniversary Name Dropper
    Thanks - much more thorough than my list! Quite a few still to be announced, I'm anticipating a few more cuts to come.
  • gt94sss2
    gt94sss2 Posts: 6,460 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    edited 24 December 2025 at 6:17PM
    Bridlington1 said:
    alfred64 said:
    happybagger said:
    Separately, for anyone with the Dudley BS Loyalty Regular Saver (still available), the rate will fall to 5.75% on 14 January. (source: letter)
    Have they indicated whether the Regular Saver (5%) will decrease? I did not qualify for the loyalty one. If this one falls below current rate I shall probably stop funding it.
    In addition does anyone know if the two festive RSs were mentioned in this round of rate cuts?

    I'm yet to receive any post today so don't know if the letters only mention the accounts you hold or whether they mention all the affected accounts. 
    The Dudley letter was dated the 18th December (the same date as the base rate change)

    The Festive Saver did not go on sale until the 19th so I assume it is unaffected. 

    The letter only mentions the accounts you hold with Dudley.
  • Archerychick
    Archerychick Posts: 638 Forumite
    Tenth Anniversary 500 Posts Mortgage-free Glee! Name Dropper
    edited 24 December 2025 at 7:56PM
    Bridlington1 said:
    clairec666 said:
    Thanks - much more thorough than my list! Quite a few still to be announced, I'm anticipating a few more cuts to come.
    We're still only 6 days in to be fair. But for those trying to avoid all things festive, the regular savers election night coverage has only just begun and shall continue to run into 2026.





     
    Much appreciated, so much time on my hands over the next few weeks! I’ve already set up my projection and budget for 2026. Also checked that I can pull funds out of various regular savers late March so I make sure I use my full ISA allowance otherwise the tax bill next year will be larger!
  • happybagger
    happybagger Posts: 1,358 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Combo Breaker
    gt94sss2 said:
    Bridlington1 said:
    alfred64 said:
    happybagger said:
    Separately, for anyone with the Dudley BS Loyalty Regular Saver (still available), the rate will fall to 5.75% on 14 January. (source: letter)
    Have they indicated whether the Regular Saver (5%) will decrease? I did not qualify for the loyalty one. If this one falls below current rate I shall probably stop funding it.
    In addition does anyone know if the two festive RSs were mentioned in this round of rate cuts?

    I'm yet to receive any post today so don't know if the letters only mention the accounts you hold or whether they mention all the affected accounts. 
    The Dudley letter was dated the 18th December (the same date as the base rate change)

    The Festive Saver did not go on sale until the 19th so I assume it is unaffected. 

    The letter only mentions the accounts you hold with Dudley.
    I asked this when I called in and opened the branch version, I already had the online one, advisor and branch was very busy I have to admit. No "current plans" to change the rates. She read through " so many emails I've had this morning" and also described the online version as "withdrawn" rather than paused or suspended etc.
  • Hattie627
    Hattie627 Posts: 746 Forumite
    500 Posts Third Anniversary Name Dropper
    happybagger said:
    gt94sss2 said:
    Bridlington1 said:
    alfred64 said:
    happybagger said:
    Separately, for anyone with the Dudley BS Loyalty Regular Saver (still available), the rate will fall to 5.75% on 14 January. (source: letter)
    Have they indicated whether the Regular Saver (5%) will decrease? I did not qualify for the loyalty one. If this one falls below current rate I shall probably stop funding it.
    In addition does anyone know if the two festive RSs were mentioned in this round of rate cuts?

    I'm yet to receive any post today so don't know if the letters only mention the accounts you hold or whether they mention all the affected accounts. 
    The Dudley letter was dated the 18th December (the same date as the base rate change)

    The Festive Saver did not go on sale until the 19th so I assume it is unaffected. 

    The letter only mentions the accounts you hold with Dudley.
    I asked this when I called in and opened the branch version, I already had the online one, advisor and branch was very busy I have to admit. No "current plans" to change the rates. She read through " so many emails I've had this morning" and also described the online version as "withdrawn" rather than paused or suspended etc.
    Dudley BS Festive Saver

    Having successfully opened and funded the online version on the day it launched last week, I wasn't going to bother with the branch/postal version. However, having had a spare hour this afternoon and with the helpful post earlier today providing a freepost address for Dudley, I decided to print out the application form and fill it out along with a cheque in my favour for £250 as the initial deposit. The envelope won't be collected by Royal Mail until Saturday (if even then) so I won't post it until Friday. Hopefully I won't be too late but I won't be too upset if I am.

    Thanks for all the helpful posts on this topic.
  • Dizzycap
    Dizzycap Posts: 2,065 Ambassador
    1,000 Posts Third Anniversary Photogenic Debt-free and Proud!
    edited 25 December 2025 at 12:31AM
    Bridlington1 said:
    alfred64 said:
    happybagger said:
    Separately, for anyone with the Dudley BS Loyalty Regular Saver (still available), the rate will fall to 5.75% on 14 January. (source: letter)
    Have they indicated whether the Regular Saver (5%) will decrease? I did not qualify for the loyalty one. If this one falls below current rate I shall probably stop funding it.
    In addition does anyone know if the two festive RSs were mentioned in this round of rate cuts?

    I'm yet to receive any post today so don't know if the letters only mention the accounts you hold or whether they mention all the affected accounts. Tried phoning Dudley but they've shut early for Christmas so shan't be open till Monday 29th.

    Hattie627 said:
    happybagger said:
    Separately, for anyone with the Dudley BS Loyalty Regular Saver (still available), the rate will fall to 5.75% on 14 January. (source: letter)
    Funny, it's still showing on the website as available at 6% and nothing about imminent reduction to 5.75%
    They wouldn't be the first to do this, Progressive BS's website didn't update till the cuts came into effect the last few times, I've had to phone them to get advanced notice of cuts to their rates in the past. Their phone lines are shut till 30th though so unless they've sent out letters I shan't have any info till at least then.
    In consideration that both the Festive RS were available the day after the interest rate cut, I would assume that the rate cut had been factored in the 5.5% rate offered on the Festive RS - which is probably why the online FRS version was pulled so fast! There's no message in my Dudley account or info in the Dudley Festive RS letter I received today dated 22nd December to say there will be any interest rate cut on the FRS.
    --**MONEYFACTS**-- FULL List of Money Comparison Products + News / Guides--
       Personal MSE 2026 Money Saving Challenges:
    ~ NSD 2026 Challenge May 12/20 (6)
    # Regular Savers 2026- New 9/12 - Total: 31 (6)
    # No.12 Save £2 a Day 2026 £364.98 / £730 (6)
    # No.2 Save 1p A Day Challenge 2026 £355.02 / £667.95 (6)
    # No.4 Save £12k in 2026 - £8492.37 / £12,000 (6)
    # £10-a-Day Challenge 2026 - £710.56 / £1825 (6)
    # No.8 Sealed Pot Challenge 19 (22/10) 426 / £400 (6)
    # No.27 - Top Up EP 2 £1255 / £2880 (6).
    # Make £2026 in 2026 - Completed
    Motto: 'SAVE before you spend on Non-essentials' 
  • Dizzycap
    Dizzycap Posts: 2,065 Ambassador
    1,000 Posts Third Anniversary Photogenic Debt-free and Proud!
    edited 25 December 2025 at 1:49AM
    Hattie627 said:
    happybagger said:
    gt94sss2 said:
    Bridlington1 said:
    alfred64 said:
    happybagger said:
    Separately, for anyone with the Dudley BS Loyalty Regular Saver (still available), the rate will fall to 5.75% on 14 January. (source: letter)
    Have they indicated whether the Regular Saver (5%) will decrease? I did not qualify for the loyalty one. If this one falls below current rate I shall probably stop funding it.
    In addition does anyone know if the two festive RSs were mentioned in this round of rate cuts?

    I'm yet to receive any post today so don't know if the letters only mention the accounts you hold or whether they mention all the affected accounts. 
    The Dudley letter was dated the 18th December (the same date as the base rate change)

    The Festive Saver did not go on sale until the 19th so I assume it is unaffected. 

    The letter only mentions the accounts you hold with Dudley.
    I asked this when I called in and opened the branch version, I already had the online one, advisor and branch was very busy I have to admit. No "current plans" to change the rates. She read through " so many emails I've had this morning" and also described the online version as "withdrawn" rather than paused or suspended etc.
    Dudley BS Festive Saver

    Having successfully opened and funded the online version on the day it launched last week, I wasn't going to bother with the branch/postal version. However, having had a spare hour this afternoon and with the helpful post earlier today providing a freepost address for Dudley, I decided to print out the application form and fill it out along with a cheque in my favour for £250 as the initial deposit. The envelope won't be collected by Royal Mail until Saturday (if even then) so I won't post it until Friday. Hopefully I won't be too late but I won't be too upset if I am.

    Thanks for all the helpful posts on this topic.
    I've done the same except I sent my postal application on Friday 19th December and still have't heard anything from Dudley regarding my postal application or had my cheque cashed. Others seemed to have had their postal application accepted quicker with their FRS opened within a few days, so it'll either be opened or not. I also expect that Dudley have been inundated with postal applications based upon their systems inability to cope with the number of online applications in a single day before it was pulled.
    As a side note: I received the usual set of Principality account maturity options on the 23rd december which I asked to be reinvested into another 2026 Christmas saver @ 6.5% and I've now received the bog standard 'you can only have one account as per our T&C's' rejection message. Fair enough.......
    --**MONEYFACTS**-- FULL List of Money Comparison Products + News / Guides--
       Personal MSE 2026 Money Saving Challenges:
    ~ NSD 2026 Challenge May 12/20 (6)
    # Regular Savers 2026- New 9/12 - Total: 31 (6)
    # No.12 Save £2 a Day 2026 £364.98 / £730 (6)
    # No.2 Save 1p A Day Challenge 2026 £355.02 / £667.95 (6)
    # No.4 Save £12k in 2026 - £8492.37 / £12,000 (6)
    # £10-a-Day Challenge 2026 - £710.56 / £1825 (6)
    # No.8 Sealed Pot Challenge 19 (22/10) 426 / £400 (6)
    # No.27 - Top Up EP 2 £1255 / £2880 (6).
    # Make £2026 in 2026 - Completed
    Motto: 'SAVE before you spend on Non-essentials' 
This discussion has been closed.
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