The Top Regular Savers Discussion Thread

Stargunner

Speculator said:

old one matured and immediately opened my new co-op regular saver at 1.18am today. Now hoping they open my new regular saver tomorrow in time for my February deposit.

Highly unlikely, considering how long they tske to open them.
Once it is open, you have up to 30 days to make uour first deposit. The 12 months start from when they receive your first deposit.
Therefore, you could hold off funding it until the end of March and then make your 2nd deposit on the 1st April.

jameseonline

So there's still delays opening in opening a co op regular then?, it's not like they've had a year to sort it out to make things as easy as possible is it?.

So they accepting a 13th payment then without it being returned?, if so I'll do one start of next month

35har1old

PowerSavingMode said:

Bridlington1 said:

Thanks for bringing the Loughborough BS one payment per month restriction to my attention. The first page of this thread and the listings in the archived thread have been updated accordingly.

Yes, I have just noted that "Maximum of one receipt per calendar month" in my Loughborough RS, yet for months now I have been sending many deposits pcm — so far NONE of them have been returned, so I only hope that they have credited them all!

They where having issues adding payments to some accounts.
I had reason to phone to request a application pack and decided to check balances it was only then I discovered that payments had not be credited it took several days for it to be sorted out.If I had not phoned it may not have been discovered.
So at the moment it looks like I will be making a phone after next payment date
.

35har1old

Penrith rate on the 300 account reducing from 6% to 5% 17-03

WillPS

jameseonline said:

So there's still delays opening in opening a co op regular then?, it's not like they've had a year to sort it out to make things as easy as possible is it?.

Probably not realistic to expect much in the way of platform improvement until Coventry determine and outline their intentions for the bank. 

simonsmithsays

35har1old said:

Penrith rate on the 300 account reducing from 6% to 5% 17-03

Thanks

Looks like the two versions of the eSaver 200 RS are stopping at 5%

Whilst the 200 RS itself is down to 4%

35har1old

fromscratch said:

mhoc said:

But now I am wondering if I should do the same with Lloyds regular savers, renew and then restart. 
Renewing them now would not help with having a spread of savers maturing in different months which would be a minus point and also both of our Lloyds regular savers are just 3 months old so not a high balance in them.
But is an interest rate drop for Lloyds inevitable and sooner rather than later so should I just get on and do it ....

I had a letter yesterday about 2 other savers I have with Lloyds (child saver and some really low interest thing I don't keep any Money in)- the rates of those are both reducing. But the Club Lloyds Saver was not on the letter so I don't think they are reducing the rate- yet. 

May reduce the rate for new applications 
BOS renewing account.not working yesterday and today

Hattie627

35har1old said:

fromscratch said:

mhoc said:

But now I am wondering if I should do the same with Lloyds regular savers, renew and then restart. 
Renewing them now would not help with having a spread of savers maturing in different months which would be a minus point and also both of our Lloyds regular savers are just 3 months old so not a high balance in them.
But is an interest rate drop for Lloyds inevitable and sooner rather than later so should I just get on and do it ....

I had a letter yesterday about 2 other savers I have with Lloyds (child saver and some really low interest thing I don't keep any Money in)- the rates of those are both reducing. But the Club Lloyds Saver was not on the letter so I don't think they are reducing the rate- yet. 

May reduce the rate for new applications 
BOS renewing account.not working yesterday and today

The online renewal feature on the B of S Monthly Saver hasn't been working for several months, ditto the close early online button.  I had to let mine run to maturity in December, hoping they would keep the fixed rate at 5.50% for my new one, which they fortunately did. I haven't checked, but I think it's still being offered at 5.50% fixed.

Stargunner

Hattie627 said:

35har1old said:

fromscratch said:

mhoc said:

But now I am wondering if I should do the same with Lloyds regular savers, renew and then restart. 
Renewing them now would not help with having a spread of savers maturing in different months which would be a minus point and also both of our Lloyds regular savers are just 3 months old so not a high balance in them.
But is an interest rate drop for Lloyds inevitable and sooner rather than later so should I just get on and do it ....

I had a letter yesterday about 2 other savers I have with Lloyds (child saver and some really low interest thing I don't keep any Money in)- the rates of those are both reducing. But the Club Lloyds Saver was not on the letter so I don't think they are reducing the rate- yet. 

May reduce the rate for new applications 
BOS renewing account.not working yesterday and today

The online renewal feature on the B of S Monthly Saver hasn't been working for several months, ditto the close early online button.  I had to let mine run to maturity in December, hoping they would keep the fixed rate at 5.50% for my new one, which they fortunately did. I haven't checked, but I think it's still being offered at 5.50% fixed.

I was able to close my BoS RS early, earlier this month from within the app. Then I opened a new one a day later.

35har1old

Hattie627 said:

35har1old said:

fromscratch said:

mhoc said:

But now I am wondering if I should do the same with Lloyds regular savers, renew and then restart. 
Renewing them now would not help with having a spread of savers maturing in different months which would be a minus point and also both of our Lloyds regular savers are just 3 months old so not a high balance in them.
But is an interest rate drop for Lloyds inevitable and sooner rather than later so should I just get on and do it ....

I had a letter yesterday about 2 other savers I have with Lloyds (child saver and some really low interest thing I don't keep any Money in)- the rates of those are both reducing. But the Club Lloyds Saver was not on the letter so I don't think they are reducing the rate- yet. 

May reduce the rate for new applications 
BOS renewing account.not working yesterday and today

The online renewal feature on the B of S Monthly Saver hasn't been working for several months, ditto the close early online button.  I had to let mine run to maturity in December, hoping they would keep the fixed rate at 5.50% for my new one, which they fortunately did. I haven't checked, but I think it's still being offered at 5.50% fixed.

Lucky the close option wasn't working closing account prevents you opening a new monthly saver until maturity  date of previous one as per the terms