The Top Regular Savers Discussion Thread

snookerloopy96

https://forums.moneysavingexpert.com/discussion/comment/82078860#Comment_82078860

Tbh as I very rarely get the train I'm not the best to ask but Dudley itself didn't have a train station.

Dudley Port is the other one you're referring to, thats between Dudley and Great Bridge, probably 2 miles away from Dudley town?

Tipton is possibly closer than Dudley Port but there's not much in it.

Just seen in another reply the trams mentioned, it seems an eternity so hopefully they'll be up and running very soon.

I've spent too much of my life stuck at temporary traffic lights!

Bridlington1

Loughborough BS Limited Access Monthly Saver at 4.45% NLA

csw5780

https://forums.moneysavingexpert.com/discussion/comment/82079019#Comment_82079019

I have never had a Club Lloyds CA yet was only offered the Club MS whilst holding the Classic CA 🙃

Slinky

https://forums.moneysavingexpert.com/discussion/comment/82079246#Comment_82079246

Same with my OH.

Digital_Payback

https://forums.moneysavingexpert.com/discussion/comment/82079246#Comment_82079246

I closed my standard 6.5% Lloyds monthly saver and then in the app checked what was available to me. Only the Club Lloyds 8% monthly saver was offered. I opened and funded it on the 14th July. But the classic and Club Lloyds monthly saver are both 8% so I guess it doesn’t matter to Lloyds.

Hattie627

https://forums.moneysavingexpert.com/discussion/comment/82079088#Comment_82079088

I decided a couple of years ago to always vote. It's easy to do online and you can appoint the Chairman as your proxy to vote in favour of all resolutions. I work on the basis that it is good to support these smaller mutual institutions of which you are a member. Membership does count, unlike in the large anonymous organisations owned by institutional shareholders. Also, it may happen some day that a good savings product will be offered to existing members but only those who cast a vote in the last AGM.

E_zroda

https://forums.moneysavingexpert.com/discussion/comment/82079086#Comment_82079086

Monm BS - Your Bank Account

Yesterday deleted my old c/a, registered a new one and got the scary notification about the signed form etc.

This morning I can see my new account (Lloyds) shown as 'Approved for Transfers'

flaneurs_lobster

https://forums.moneysavingexpert.com/discussion/comment/82079661#Comment_82079661

While active membership participation is always encouraged by the BSs (presumably for marketing purposes - an engaged member is always more likely to save/borrow from their "own" Society) I can't see them introducing preferential products just for "active" members - would be divisive, would add admin and would only last a year before the majority of members clued-up and all voted in the next AGM round just to get the perk.

happybagger

https://forums.moneysavingexpert.com/discussion/comment/82079661#Comment_82079661

Given that members resolutions need to be signed by 500 members, and the society won't/can't release members names and addresses, members resolutions are nigh on impossible anyway.

The illusion of democracy.

Born2Save_3

Lloyds Monthly Saver 5.25% and Club Monthly Saver 6.25% Renewal, and 8% Monthly Saver Opening

Just did this, but I think the renewal and log off, on and account refresh process can be a bit flaky.

After renewing the non-club Monthly Saver, log off and on, the Easy Saver and interest was there. All good. Then renewed the Club Monthly Saver, logged off and on. In account list Club Monthly Saver is still showing but with interest added and shows interest rate of 0.75%, the Easy Saver rate. Went to open new accounts and the Club Monthly Saver 8% is showing as available. No non-club Monthly Saver offered. So opened Club Monthly Saver 8%. Funded from previous Club Monthly Saver. In screen shots it looks like I have 2 Club Monthly Savers but I think the Lloyds website process is a bit fragmented and a reasonably fast log off and on again may not give the Lloyds website sufficient time to do what it needs to do.

Main thing is I was able to open the Lloyds 8%. Would have preferred to have the non-club version but it seems more elusive. I considered calling to open a non-club version but thought it potentially more problematic because of the only 1 account in 12 months rule. So happy now with a trio of LBG 8%s

On deciding whether to keep the old Lloyds MS or not. I figured as my easy access funds are more limited now and I am prioritising funding the higher rates, it was better to go for 8% as the extra money that may have gone into the old MS would be going into some other 5.5%+ RS. £120+ profit on a £3000 to £3250 final RS falls into my must have category.