The Top Regular Savers Discussion Thread

trickydicky14

friolento said:

trickydicky14 said:

Born2Save_3 said:

Lloyds Online showing all LBG accounts now.

I logged in a couple of hours ago and noticed that all my Lloyds Banking Group (LBG) (Lloyds, Bank of Scotland and Halifax) accounts were shown, including all the RS I have with LBG.  This is the first time I've seen this in the Lloyds portal.

I'm not liking it, due to having lot's of accounts with all 3 banks the list is endless. Some one said you can hide accounts in the app? if so, can you also do this online.

Like you, I don’t like it, and I have immediately hidden accounts that don’t belong to the respective app. I do like the easier internal transfers - makes my cycling of minimum monthly deposits a few seconds faster. In theory, it might also managing my BOS / Halifax / Lloyds RSs easier / faster but I only really look at them when opening and closing them, so can’t see the added value from seeing them all in all apps.

I don’t know whether you can hide in online banking as I very rarely use it.

I hope this change isn’t the beginning of the end of the different brands, as this would almost inevitably mean a reduction of numbers of RSs.

Shunting 2k in and out of Lloyds each month to avoid charges will be quicker.

Section62

friolento said:

...
I hope this change isn’t the beginning of the end of the different brands, as this would almost inevitably mean a reduction of numbers of RSs.

A customer service rep told me the other day that they are all the same bank now... as in if you register a complaint about Lloyds you can't register a complaint about BoS/Halifax on the same day.

AFAIK they are still separate legal entities each with their own PRA registration.

(Edit: BoS/Halifax have now confirmed the above advice was incorrect and they are indeed still separate legal entities.)

Section62

trickydicky14 said:

friolento said:

trickydicky14 said:

Born2Save_3 said:

Lloyds Online showing all LBG accounts now.

I logged in a couple of hours ago and noticed that all my Lloyds Banking Group (LBG) (Lloyds, Bank of Scotland and Halifax) accounts were shown, including all the RS I have with LBG.  This is the first time I've seen this in the Lloyds portal.

I'm not liking it, due to having lot's of accounts with all 3 banks the list is endless. Some one said you can hide accounts in the app? if so, can you also do this online.

Like you, I don’t like it, and I have immediately hidden accounts that don’t belong to the respective app. I do like the easier internal transfers - makes my cycling of minimum monthly deposits a few seconds faster. In theory, it might also managing my BOS / Halifax / Lloyds RSs easier / faster but I only really look at them when opening and closing them, so can’t see the added value from seeing them all in all apps.

I don’t know whether you can hide in online banking as I very rarely use it.

I hope this change isn’t the beginning of the end of the different brands, as this would almost inevitably mean a reduction of numbers of RSs.

Shunting 2k in and out of Lloyds each month to avoid charges will be quicker.

One less login for the merry-go-round.  Although slightly longer to play hunt-the-account in a very long list.

CricketLady

Good morning!

This is not a boast, I simply thought it would make you all laugh...

My 5th December Principality maturity from an Issue 4 to another Issue 4 has gone through with no problems so I now have four but..... I can't remember where I asked the other £1000 to go to and I can't find it anywhere!!    

I'm sure it will turn up at some point but note to self - when giving maturity instructions, write note to self!!

Have a lovely day everyone, stay safe and warm,
xx

flaneurs_lobster

flaneurs_lobster said:

flaneurs_lobster said:

Hattie627 said:

Oh dear. Can you talk us through how you entered the instructions which led to this. Did your instructions generate a "sent" secure message? Where did you instruct the funds coming out at maturity to go to (internal or external account?)

...and if you could write that out in Java (or at least pseudocode) just to help PrinBS implement the fix a bit quicker that'd be kind...

Principality have clearly listened to me - my two O/S maturity instructions have been rumbled. My 8 RS will soon be down to 6.

...odder still - despite the secure message telling me otherwise, my issue 3 has morphed into a funded issue 4. 

clairec666

CricketLady said:

Good morning!

This is not a boast, I simply thought it would make you all laugh...

My 5th December Principality maturity from an Issue 4 to another Issue 4 has gone through with no problems so I now have four but..... I can't remember where I asked the other £1000 to go to and I can't find it anywhere!!    

I'm sure it will turn up at some point but note to self - when giving maturity instructions, write note to self!!

Have a lovely day everyone, stay safe and warm,
xx

I got confirmation of my maturity instructions by post. Post is painfully slow in my area though, so the letter arrived several days after maturity.

ThePirates

Principality

My maturity has gone through as planned, my last Issue 3 to a 2nd Christmas 2026. Hold 4 Issue 4s too.

Never had a secure message, always online maturity instructions on a weekend wearing a green jumper!

friolento

Anyone else noticed the hip new name for Principality in their maturity payouts? BTW, I now have 7 Issue 4.

jameseonline

Dizzycap said:

jameseonline said:

Not sure if I like this getting rumbled talk, Principality maturity options allowed us to have extra accounts etc, it's been allowed for some time now, they could have closed loophole or whatever at any time. People haven't really broken any rules because Principality didn't enforce their own rules, now it appears they are.

Also if anyone has any other accounts coming to an end It might be worth trying giving instructions outside of opening hours, which is what I'm going to do & what I was doing up until the other day.

Principality have actioned my maturity instruction this morning for another 6 month RS; making a total holding of 4, without a problem. From memory, this maturity option was actioned late at night and obviously out of office hours.

I have another 2 Principality accounts maturing soon and I hope to convert these into another 2 Christmas RS; should they still be available, making a total holding of 4, and again, I will be actioning maturity instructions late at night simply because it's the only time I have some peace & quiet 

Whilst I'm aware that some have experienced issues both now and in the past with not having maturity instructions actioned, I'm really at a loss to why? Principality's system allows the various maturity options from a drop down menu and it's not as though we have to input the maturing account type we want?!  Whilst I was also beginning to wonder whether Principality have X amount of accounts available for each account offering, that certainly doesn't make sense when some are told, "Sorry, you already have this account so can't have another", whilst the majority have their maturity instructions actioned

My next go is for an account maturing 28th December definitely doing that maturity outside of hours, if that works that's definitely the key to things

jameseonline

Born2Save_3 said:

Lloyds Online showing all LBG accounts now.

I logged in a couple of hours ago and noticed that all my Lloyds Banking Group (LBG) (Lloyds, Bank of Scotland and Halifax) accounts were shown, including all the RS I have with LBG.  This is the first time I've seen this in the Lloyds portal.

Already a thread here:
https://forums.moneysavingexpert.com/discussion/6636486/lloyds-and-halifax-co-servicing/p1