The Top Regular Savers Discussion Thread

dcs34

schiff said:

I've had a letter from Monmouth today, surprisingly in today's poor Royal Mail service, dated yesterday, and with a second class return envelope! It's the signature requirement (even though I have the other RS on the go).
The letter says the T&Cs document is enclosed though it isn't, but that's not important.
Is it possible to pay money in in practice before they deal with the return of the signature letter? From peoples  experience on here? 

I managed to do so, but your experience might vary if you are a new or existing customer.

Speaking of Monmouthshire and for those not on the other thread, I had an issue with registering for their fancy new app.

I have a hyphenated surname. The app didn't recognise a non-alphanumeric character in the surname field as legitimate and similarly omitting the hyphen meant the app couldn't match my account details.

Having spoken today to their customer service team the solution - or rather the bodged workaround - is that they remove the hyphen from my existing user account so I can then register on the app.

I did question if this would create a problem when applying for new accounts - that they might in the future claim my ID doesn't match my account details. Let's just say the response wasn't entirely reassuring!

Seems very odd that having presumably paid a handsome sum to develop this app, MBS didn't (1) properly test it for edge name cases and (2) can't be bothered to get it patched properly, and their solution is to effectively tell their customers to commit very very minor ID fraud!

TL;DR anyone having issues registering for the app is best advised to ring MBS.

brucefan_2

ThePirates said:

brucefan_2 said:

ThePirates said:

DealSeeker11 said:

Is anyone having problems logging on via Monbs app? Mine is stuck on the following screen but it’s not given me the options:

2-factor authentication

Please select an option below, to receive a six-digit verification code.

Yep, same problem.
Reinstall didn't help...

The app froze on me completely yesterday evening. Uninstalled and then re-installed. On Android

On opening the app was presented with the option of continuing as an 'Existing Customer' or 'New Customer'

As I had an account number and had seen the account in-app, 'Existing Customer' seemed the sensible route to take. Doing so brought up a screen with a further two options:

1. I have not registered for the app
2. I have registered for the app

Logic dictated that, having previously got as far as seeing my account (not registering my £5 deposit after several hours) that Option 2 was the path to go down ... at which point Monmouthshire decided it was appropriate on the next screen to tell me:

"We will now register your new phone or new number.
Please Select One of the following

1. I have a new phone
2. I am using a new number.

No, Monmouthshire, no - I don't have a new phone or new number. All I've done is re-install the app.

I don't think I'm missing something blindingly obvious here, but if so, apologies for casting criticism on the app flow, but I really don't see what I could be doing differently.

Yeap, been through the same process but can't get past the 2 factor missing info...

I'll give them a few days to clear the backlog then give them a ring.

Out of interest, have you managed to get this sorted i.e. choosing one of the two not-present options for 2FA (did nobody test the flow of this app before release?

ThePirates

Nope, still the same...

DealSeeker11

brucefan_2 said:

ThePirates said:

brucefan_2 said:

ThePirates said:

DealSeeker11 said:

Is anyone having problems logging on via Monbs app? Mine is stuck on the following screen but it’s not given me the options:

2-factor authentication

Please select an option below, to receive a six-digit verification code.

Yep, same problem.
Reinstall didn't help...

The app froze on me completely yesterday evening. Uninstalled and then re-installed. On Android

On opening the app was presented with the option of continuing as an 'Existing Customer' or 'New Customer'

As I had an account number and had seen the account in-app, 'Existing Customer' seemed the sensible route to take. Doing so brought up a screen with a further two options:

1. I have not registered for the app
2. I have registered for the app

Logic dictated that, having previously got as far as seeing my account (not registering my £5 deposit after several hours) that Option 2 was the path to go down ... at which point Monmouthshire decided it was appropriate on the next screen to tell me:

"We will now register your new phone or new number.
Please Select One of the following

1. I have a new phone
2. I am using a new number.

No, Monmouthshire, no - I don't have a new phone or new number. All I've done is re-install the app.

I don't think I'm missing something blindingly obvious here, but if so, apologies for casting criticism on the app flow, but I really don't see what I could be doing differently.

Yeap, been through the same process but can't get past the 2 factor missing info...

I'll give them a few days to clear the backlog then give them a ring.

Out of interest, have you managed to get this sorted i.e. choosing one of the two not-present options for 2FA (did nobody test the flow of this app before release?

I have reported this to MMS and their developers responded to me saying:

”We’re aware that some users have had issues receiving their 2-factor authentication codes. Our team is investigating this issue in order to release a fix to this - we’re sorry for the inconvenience."

I’ve also spoken to their CS who have confirmed the same but they were very helpful on the phone and gave me the assistance I needed.

ChewyyBacca

zombie404 said:

crumpet_man said:

For those who have closed the matured Virgin RS, what was the interest received upon closure?  Not the total interest received, just the last payment.

Trying to work out if it is worth the time to phone up Virgin to close the account (already tried online, still waiting for it to be done) as all I am missing out on is the interest I could receive on the final interest payment.

Got £26.66 yesterday when mine was closed 

Did you use the online link to close?
I used online link for account closure, gave all the details on 1 Aug, sent secure message on 5th Aug asking why it isnt closed yet, Im told I need to write to them for closure for 'this' kind of account.
 

Kim_13

ChewyyBacca said:

zombie404 said:

crumpet_man said:

For those who have closed the matured Virgin RS, what was the interest received upon closure?  Not the total interest received, just the last payment.

Trying to work out if it is worth the time to phone up Virgin to close the account (already tried online, still waiting for it to be done) as all I am missing out on is the interest I could receive on the final interest payment.

Got £26.66 yesterday when mine was closed 

Did you use the online link to close?
I used online link for account closure, gave all the details on 1 Aug, sent secure message on 5th Aug asking why it isnt closed yet, Im told I need to write to them for closure for 'this' kind of account.
 

Is there possibly a difference between how it is processed if it was requested while the account was still a RS vs requests submitted once the account had morphed into an Easy Access account? They wouldn’t be the first provider to make it very difficult to get rid of an EA.

zombie404

ChewyyBacca said:

zombie404 said:

crumpet_man said:

For those who have closed the matured Virgin RS, what was the interest received upon closure?  Not the total interest received, just the last payment.

Trying to work out if it is worth the time to phone up Virgin to close the account (already tried online, still waiting for it to be done) as all I am missing out on is the interest I could receive on the final interest payment.

Got £26.66 yesterday when mine was closed 

Did you use the online link to close?
I used online link for account closure, gave all the details on 1 Aug, sent secure message on 5th Aug asking why it isnt closed yet, Im told I need to write to them for closure for 'this' kind of account.
 

Yes on 1st August at 5:15am emptied account then logged in online not app and filled in details to close account and money went into my virgin current account on 5th August about 5:30pm.

Eco_Miser

crumpet_man said:

Rheumatoid said:

crumpet_man said:

For those who have closed the matured Virgin RS, what was the interest received upon closure?  Not the total interest received, just the last payment.

Trying to work out if it is worth the time to phone up Virgin to close the account (already tried online, still waiting for it to be done) as all I am missing out on is the interest I could receive on the final interest payment.

I got £26.64 just transferred into my current and RS closed.

Thank you and to zombie404

I make that about 22p in lost interest in waiting until end of September for the account to close automatically.

The account won't close automatically in September, although you will get the £26+ interest then, and further interest (if there's anything in the account to earn it) every quarter thereafter.

Slinky

DealSeeker11 said:

brucefan_2 said:

ThePirates said:

brucefan_2 said:

ThePirates said:

DealSeeker11 said:

Is anyone having problems logging on via Monbs app? Mine is stuck on the following screen but it’s not given me the options:

2-factor authentication

Please select an option below, to receive a six-digit verification code.

Yep, same problem.
Reinstall didn't help...

The app froze on me completely yesterday evening. Uninstalled and then re-installed. On Android

On opening the app was presented with the option of continuing as an 'Existing Customer' or 'New Customer'

As I had an account number and had seen the account in-app, 'Existing Customer' seemed the sensible route to take. Doing so brought up a screen with a further two options:

1. I have not registered for the app
2. I have registered for the app

Logic dictated that, having previously got as far as seeing my account (not registering my £5 deposit after several hours) that Option 2 was the path to go down ... at which point Monmouthshire decided it was appropriate on the next screen to tell me:

"We will now register your new phone or new number.
Please Select One of the following

1. I have a new phone
2. I am using a new number.

No, Monmouthshire, no - I don't have a new phone or new number. All I've done is re-install the app.

I don't think I'm missing something blindingly obvious here, but if so, apologies for casting criticism on the app flow, but I really don't see what I could be doing differently.

Yeap, been through the same process but can't get past the 2 factor missing info...

I'll give them a few days to clear the backlog then give them a ring.

Out of interest, have you managed to get this sorted i.e. choosing one of the two not-present options for 2FA (did nobody test the flow of this app before release?

I have reported this to MMS and their developers responded to me saying:

”We’re aware that some users have had issues receiving their 2-factor authentication codes. Our team is investigating this issue in order to release a fix to this - we’re sorry for the inconvenience."

I’ve also spoken to their CS who have confirmed the same but they were very helpful on the phone and gave me the assistance I needed.

I've just opened this account, and it took about 4 requests for a texted number before suddenly the screen changed so I could enter the number with my iphone allowing it to be entered across automatically.

Bridlington1

BOE base rate cut from 4.25% to 4%.

As a result the following cuts shall come into effect within 14 days:

Skipton BS Regular Saver (Issue 1) from 5.75% to 5.5%

Skipton BS Member Regular Saver (Issue 4) from 6.25% to 6%

I shall once again be maintaining a list of regular savers that have had their rates changed following the BOE base rate cut today, a list shall be posted once some more cuts have come in, a link shall be included on page 1 of the archived thread for ease of reference.