The Top Regular Savers Discussion Thread

Bobblehat

Digital_Payback said:

Hanley Economic BS SMART SAVER
As a new customer I have opened a Hanley Econ. Online Smart Saver (Reg. Saver)
Can anyone tell me from experience long it takes to receive the User ID and get online access?
Thanks. 

New Customer too. Easy application online (PC), easy pay in via Debit card, debited next day from Santander. Easy partial registration for online access as part of application. So account open but not yet able to see online.

Minor grumbles .... have to wait for Welcome Pack which contains Online UserID. Mine arrived via email 2 days after application, which I did not expect (thought it would be by snail mail!). The email was encrypted and I could not open the attachment or successfully open the "view the message" button. I rang Hanley who said there should be a place to enter a code, which arrives via a second email. No second email and no place to enter the code, so the Welcome Pack email was a chocolate teapot 

Resolved by Hanley by promising to send paperwork by snail mail, as they won't release the UserID even after passing security by phone! Not a big problem for me, even if I want to make the 2nd payment on 1st Nov (3rd Nov?) as I've got my SC & Acc No and Reference No, which is needed as the bank details are generic. The Ref No is the application Ref No you get on application ... you get to keep that for the life of the account for pay-ins.

Hattie627

Bobblehat said:

Digital_Payback said:

Hanley Economic BS SMART SAVER
As a new customer I have opened a Hanley Econ. Online Smart Saver (Reg. Saver)
Can anyone tell me from experience long it takes to receive the User ID and get online access?
Thanks. 

New Customer too. Easy application online (PC), easy pay in via Debit card, debited next day from Santander. Easy partial registration for online access as part of application. So account open but not yet able to see online.

Minor grumbles .... have to wait for Welcome Pack which contains Online UserID. Mine arrived via email 2 days after application, which I did not expect (thought it would be by snail mail!). The email was encrypted and I could not open the attachment or successfully open the "view the message" button. I rang Hanley who said there should be a place to enter a code, which arrives via a second email. No second email and no place to enter the code, so the Welcome Pack email was a chocolate teapot 

Resolved by Hanley by promising to send paperwork by snail mail, as they won't release the UserID even after passing security by phone! Not a big problem for me, even if I want to make the 2nd payment on 1st Nov (3rd Nov?) as I've got my SC & Acc No and Reference No, which is needed as the bank details are generic. The Ref No is the application Ref No you get on application ... you get to keep that for the life of the account for pay-ins.

My opening journey was the same. Paid first payment by direct debit during opening procedure. At the end of the procedure, clear indication given that User ID would come by post. No sign of it, but it's early days. Surprised to hear that you got it by encrypted email (although inaccessible) 2 days after application. I haven't received any email since the time of online application. I will give a few more days for the promised letter to arrive before inquiring.

allegro120

Bridlington1 said:

allegro120 said:

janusd said:

Speculator said:

janusd said:

Speculator said:

Just given my maturity instruction for my Principality 6 Month Regular Saver Issue 3 maturing on 7/11.

No secure message sent so looks good.

out of interest, what did you choose to do with the remainder - transfer to external account or another PBS internal account? from past posts, i'm wondering if transferring to an external account doesn't generate a secure message.

I have an RS3 maturing on the 7th and have just chosen the same maturity options online as last time - option 4, £200 to another RS4, remainder to a PBS EA account... secure message generated by the maturity option choice at 11:24am, reply received at 11:29am - thankfully our unnamed friend wasn't working today and the instructions were accepted by one of male colleagues.

always external to my Santander current a/c and option 4.

I think when you transfer to internal a/c, it generates a message to give staff an opportunity to review your choice and maybe advise you of a more suitable account.

thanks for that - i'll try to remember next time (this time next month with my last RS3), to send to an external account and see if it still generates a secure message.

Just out of curiosity, why did you go for internal instead of external?  

I would imagine many prefer to make payments into a Principality BS EA account and then make a series of internal transfers to other PBS regular savers as opposed to setting up a new payee for each, especially if you're in the habit of funding accounts from an account which doesn't let you have multiple payees for the same sort code and account number but different references. Going for internal transfers would probably be convenient in this regard.

In this case you have to align you distribution dates with maturities of existing RS accounts, this can easily result in some interest loss and looks like a very complicated schedule.

Bobblehat

Hattie627 said:

Bobblehat said:

Digital_Payback said:

Hanley Economic BS SMART SAVER
As a new customer I have opened a Hanley Econ. Online Smart Saver (Reg. Saver)
Can anyone tell me from experience long it takes to receive the User ID and get online access?
Thanks. 

New Customer too. Easy application online (PC), easy pay in via Debit card, debited next day from Santander. Easy partial registration for online access as part of application. So account open but not yet able to see online.

Minor grumbles .... have to wait for Welcome Pack which contains Online UserID. Mine arrived via email 2 days after application, which I did not expect (thought it would be by snail mail!). The email was encrypted and I could not open the attachment or successfully open the "view the message" button. I rang Hanley who said there should be a place to enter a code, which arrives via a second email. No second email and no place to enter the code, so the Welcome Pack email was a chocolate teapot 

Resolved by Hanley by promising to send paperwork by snail mail, as they won't release the UserID even after passing security by phone! Not a big problem for me, even if I want to make the 2nd payment on 1st Nov (3rd Nov?) as I've got my SC & Acc No and Reference No, which is needed as the bank details are generic. The Ref No is the application Ref No you get on application ... you get to keep that for the life of the account for pay-ins.

My opening journey was the same. Paid first payment by direct debit during opening procedure. At the end of the procedure, clear indication given that User ID would come by post. No sign of it, but it's early days. Surprised to hear that you got it by encrypted email (although inaccessible) 2 days after application. I haven't received any email since the time of online application. I will give a few more days for the promised letter to arrive before inquiring.

We may well be at the mercy of Royal Mail! I won't expect my Welcome Pack until late next week, given I only spoke to HEBS today. Having said that, and being known for my criticism of RM, I did get 2 letter deliveries this week, Monday and Thursday. The first time in many, many months that has happened. It's usually a great big bunch hitting the porch tiles once a week! 

topyam

Bobblehat said:

Hattie627 said:

Bobblehat said:

Digital_Payback said:

Hanley Economic BS SMART SAVER
As a new customer I have opened a Hanley Econ. Online Smart Saver (Reg. Saver)
Can anyone tell me from experience long it takes to receive the User ID and get online access?
Thanks. 

New Customer too. Easy application online (PC), easy pay in via Debit card, debited next day from Santander. Easy partial registration for online access as part of application. So account open but not yet able to see online.

Minor grumbles .... have to wait for Welcome Pack which contains Online UserID. Mine arrived via email 2 days after application, which I did not expect (thought it would be by snail mail!). The email was encrypted and I could not open the attachment or successfully open the "view the message" button. I rang Hanley who said there should be a place to enter a code, which arrives via a second email. No second email and no place to enter the code, so the Welcome Pack email was a chocolate teapot 

Resolved by Hanley by promising to send paperwork by snail mail, as they won't release the UserID even after passing security by phone! Not a big problem for me, even if I want to make the 2nd payment on 1st Nov (3rd Nov?) as I've got my SC & Acc No and Reference No, which is needed as the bank details are generic. The Ref No is the application Ref No you get on application ... you get to keep that for the life of the account for pay-ins.

My opening journey was the same. Paid first payment by direct debit during opening procedure. At the end of the procedure, clear indication given that User ID would come by post. No sign of it, but it's early days. Surprised to hear that you got it by encrypted email (although inaccessible) 2 days after application. I haven't received any email since the time of online application. I will give a few more days for the promised letter to arrive before inquiring.

We may well be at the mercy of Royal Mail! I won't expect my Welcome Pack until late next week, given I only spoke to HEBS today. Having said that, and being known for my criticism of RM, I did get 2 letter deliveries this week, Monday and Thursday. The first time in many, many months that has happened. It's usually a great big bunch hitting the porch tiles once a week! 

Same here re RM. Massive pile of post might come once a week. So annoying.

SH88SH88

Hattie627 said:

Bobblehat said:

Digital_Payback said:

Hanley Economic BS SMART SAVER
As a new customer I have opened a Hanley Econ. Online Smart Saver (Reg. Saver)
Can anyone tell me from experience long it takes to receive the User ID and get online access?
Thanks. 

New Customer too. Easy application online (PC), easy pay in via Debit card, debited next day from Santander. Easy partial registration for online access as part of application. So account open but not yet able to see online.

Minor grumbles .... have to wait for Welcome Pack which contains Online UserID. Mine arrived via email 2 days after application, which I did not expect (thought it would be by snail mail!). The email was encrypted and I could not open the attachment or successfully open the "view the message" button. I rang Hanley who said there should be a place to enter a code, which arrives via a second email. No second email and no place to enter the code, so the Welcome Pack email was a chocolate teapot 

Resolved by Hanley by promising to send paperwork by snail mail, as they won't release the UserID even after passing security by phone! Not a big problem for me, even if I want to make the 2nd payment on 1st Nov (3rd Nov?) as I've got my SC & Acc No and Reference No, which is needed as the bank details are generic. The Ref No is the application Ref No you get on application ... you get to keep that for the life of the account for pay-ins.

My opening journey was the same. Paid first payment by direct debit during opening procedure. At the end of the procedure, clear indication given that User ID would come by post. No sign of it, but it's early days. Surprised to hear that you got it by encrypted email (although inaccessible) 2 days after application. I haven't received any email since the time of online application. I will give a few more days for the promised letter to arrive before inquiring.

The Emailed 'Welcome Pack' does not contain your UserID. A PDF in the pack confirms that the userID will arrive by post. I also received today (unsolicited) a one-time temporary password (by email) ... not much use though until the jokers at Royal Mail can eventually deliver a UID .

20122013

Manchester Building Society (RS account)

To make a deposit, do I need to wait till I have activated my nominated account first?

and their Account Number: 00000001

· our sort code: 23-02-95

-  my reference number <-- Which I have received

So no deposit till the letter arrives in the post?

kaysdee

You can make the deposit straight away. The account activation is just for withdrawing funds. I made the deposits immediately for both the Manchester RS and Newcastle RS and activated the nominated accounts for each when the respective letters arrived. 

20122013

kaysdee said:

You can make the deposit straight away. The account activation is just for withdrawing funds. I made the deposits immediately for both the Manchester RS and Newcastle RS and activated the nominated accounts for each when the respective letters arrived. 

That's great to know. 

It has been over 24 hours since I have opened my account but for some reason, Manchester BS account details is not recognised by Nationwide so cannot make any payment (even when I click to say 'I accept the risk of sending money to xyz'.. . I will try again on Monday. 

update: my Standing order is now showing up in the Nationwide Regular Payment / Standing order.. 

Born2Save_3

Hanley Economic BS 1Yr Online Smart Saver: Transfer To Date and Time and Credit Date

I opened my account without issue on 21/10 and did the full transfer, faster payment, at 17:46 on the same day.  After a phone call to HEBS I would have expected that transfer to be included in the 21/10 batch of transactions and provided by Lloyds to HEBS early on 22/10.  I don't know if it actually was.  Anyway the credit appeared on my account on 23/10 with the same credit date, 23/10. 

So I think with any faster payment transfer to HEBS, best to do it (very) early in the day and do not expect it to be credited till the following day.  Which makes me think, should I do future transfers on the last day of the month ?  Also what would be the best way to manage 1st of month/end of month even on non banking days.

In the above situation, I lost 2 days at 4.55%A for £300.

Do card payments have the same credit date in the account as the date of transaction ?  I could do this from an overdraft, so I don't have the cash sitting in a current account.