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    • colsten
    • By colsten 9th Apr 18, 2:19 PM
    • 9,120 Posts
    • 7,953 Thanks
    colsten
    Open FlexDirect acoount for son, but was sent a different card. Put 2500 right at the beginning of the month and got no interest. Then realised I was sent the wrong card. So quickly updated to FlexDirect and got sent the right card. At the end of the month, got no interest and was told I was penalised for transferring 1000 from my own Nationwide account to sons' account. Then, I transferred the money from another bank and lo and behold about 3 interest. Phoned up and now this time was told son had an account closed in 2015. I feel aggrieved, being robbed to fund the CEO who earns 3m and fund the horrible adverts which make me channel surf! Very annoying.

    If you want to open an account with Nationwide, beware of all their tricks.
    Originally posted by aym280
    As others have already said, no trickery on behalf of Nationwide was involved. Their T&Cs are freely available, easy to read, and you were asked to confirm that you had read the T&Cs. You should have learnt your lesson from this experience. Good luck with your next foray into bonus bagging.
    • JimmyTheWig
    • By JimmyTheWig 12th Apr 18, 12:10 PM
    • 11,683 Posts
    • 11,272 Thanks
    JimmyTheWig
    Are there really no bank accounts that offer cashback via TopCashback?
    I don't want to switch, just open another account. Thought I'd at least be able to get a tenner...
    • orange-juice
    • By orange-juice 14th Apr 18, 3:37 PM
    • 8 Posts
    • 0 Thanks
    orange-juice
    Bank of Scotland is cutting the interest rate on their current account (w/Vantage).

    "From the 1st July 2018, we are making some changes to this account.

    We will be changing the interest you can earn on Vantage accounts. The current interest rate of 2% AER/1.98% gross variable, payable on balances between 1 and 5,000, will reduce to 1.5% AER/1.49% gross variable. To earn interest you will still need to pay two different Direct Debits each calendar month, pay at least 1,000 into your account each calendar month, and stay in credit (above 0) during the monthly billing period."
    Last edited by orange-juice; 14-04-2018 at 3:39 PM. Reason: grammar
    • polymaff
    • By polymaff 14th Apr 18, 4:18 PM
    • 2,200 Posts
    • 954 Thanks
    polymaff
    Club Lloyds, too.
    • where are we
    • By where are we 14th Apr 18, 4:37 PM
    • 227 Posts
    • 65 Thanks
    where are we
    We had already decided to empty our 6 BOS classic vantage accounts at the beginning of next month due to the the bottom of the range 2% interest rate and loss of Tesco DD`s necessitating finding 12 new DD`s. We will cancel our 1000 in/out standing orders after this months have gone through and keep 1 in each classic account because of the 2.5% monthly savers condition of having a BOS current account.
    • where are we
    • By where are we 14th Apr 18, 4:51 PM
    • 227 Posts
    • 65 Thanks
    where are we
    Is this the beginning of the end for high interest current accounts? Club Lloyds offer better benefits than BOS - 6 cinema tickets a year plus a 3% Club Lloyds monthly saver with 400 maximum contribution, but the 1.5% rate is abyssmal. Will Halifax reduce its 3 a month on its current account?
    • polymaff
    • By polymaff 14th Apr 18, 5:44 PM
    • 2,200 Posts
    • 954 Thanks
    polymaff
    Is this the beginning of the end for high interest current accounts? Club Lloyds offer better benefits than BOS - 6 cinema tickets a year plus a 3% Club Lloyds monthly saver with 400 maximum contribution, but the 1.5% rate is abyssmal. Will Halifax reduce its 3 a month on its current account?
    Originally posted by where are we
    Much nearer the end of the end of the high interest aspect
    • AirlieBird
    • By AirlieBird 19th Apr 18, 7:58 PM
    • 1,039 Posts
    • 849 Thanks
    AirlieBird
    Hmmm... First Direct have a "big announcement" very soon.

    A spokesman replied: 'It would be fair to say it's been a long term fixture.

    'What I can tell you is we've a big announcement very soon and will let you know as soon as we're able to.!

    'Needless to say its exciting and pioneering as youd expect from First Direct.'



    Read more:!http://www.thisismoney.co.uk/money/saving/article-5630211/First-Direct-axe-juicy-current-account-switching-incentive.html#ixzz5D96bQhf0!
    Follow us:!@MailOnline on Twitter!|!DailyMail on Facebook
    Let the speculation begin...
    Did you really mean to put loose?
    Lose: no longer possess, not to retain, unable to find
    Loose: not firmly or tightly fixed in place
    • HornetSaver
    • By HornetSaver 2nd May 18, 3:59 PM
    • 2,670 Posts
    • 4,407 Thanks
    HornetSaver
    I see that TSB Classic Plus has disappeared from the "Other top interest-paying current accounts" on the same day that it went from 3% to 5%.

    Don't get me wrong, I wouldn't encourage anyone to go out of their way to join TSB right now. But that seems somewhat of a shift on MSE's part. They usually warn people off of good-looking deals from providers who are not doing a great job with disclaimers etc.
    I'm standing by my pre-referendum prediction: "Brexit will lead to a recession"

    forums.moneysavingexpert.com/showthread.php?p=70662330
    • Steve_xx
    • By Steve_xx 2nd May 18, 4:04 PM
    • 6,554 Posts
    • 2,741 Thanks
    Steve_xx
    Don't get me wrong, I wouldn't encourage anyone to go out of their way to join TSB right now. But that seems somewhat of a shift on MSE's part. They usually warn people off of good-looking deals from providers who are not doing a great job with disclaimers etc.
    Originally posted by HornetSaver
    TSB are fine if you want to use the account as a 5% savings account. Current problems will be sorted at some point I reckon, and all will be well again.
    • HornetSaver
    • By HornetSaver 2nd May 18, 4:36 PM
    • 2,670 Posts
    • 4,407 Thanks
    HornetSaver
    TSB are fine if you want to use the account as a 5% savings account. Current problems will be sorted at some point I reckon, and all will be well again.
    Originally posted by Steve_xx
    I'm with them, and their response to the current problems in terms of increasing the interest rate makes me better off (despite having no intention of trying to claim compensation). Less hassle than a linked saver.

    I'm simply saying that now would be an odd time to take advantage of their refer a friend offer.
    I'm standing by my pre-referendum prediction: "Brexit will lead to a recession"

    forums.moneysavingexpert.com/showthread.php?p=70662330
    • Steve_xx
    • By Steve_xx 2nd May 18, 5:28 PM
    • 6,554 Posts
    • 2,741 Thanks
    Steve_xx
    I'm simply saying that now would be an odd time to take advantage of their refer a friend offer.
    Originally posted by HornetSaver
    I disagree. Four of us have logged on today and performed various transfers and each made payments and it's been ok. Not perfect, but manageable.

    I don't see any reason not to join TSB. Whatever problems they have will be ironed out, I'm sure. I certainly won't be jumping ship now that they've upped the rate to 5%.
    • ValiantSon
    • By ValiantSon 2nd May 18, 10:36 PM
    • 2,537 Posts
    • 2,490 Thanks
    ValiantSon
    I see that Martin and MSE's love-in with First Direct continues in this week's e-mail, which contains the utterly ludicrous and unsubstantiated sentence (courtesy of Martin Lewis),

    The start point here is First Direct has without question the best service of any fee-free bank account.
    .

    What utter garbage. How exactly is it without question, Martin? I'm questioning it for a start.

    First Direct are perfectly fine, but the plugging of them so much on MSE is utterly ridiculous and undermines any sense of the site being objective. Add in the fact that they have now removed TSB Classic Plus from the best interest paying accounts guide (and some time ago removed Santander 123) and their supposed independence and objectivity seems like a lot of hot air.

    This is yet another example of the lack of journalistic rigour which is becoming a common feature of this website.
    • Byzar
    • By Byzar 4th May 18, 9:59 AM
    • 7 Posts
    • 0 Thanks
    Byzar
    I want to switch from Club Lloyds to 123 Santander Lite or First Direct! I've read all good things about FD. Can anyone advice to choose one of this? Pro and cons , on both of them! Thanks
    • wizzywig27
    • By wizzywig27 4th May 18, 10:08 AM
    • 1,205 Posts
    • 798 Thanks
    wizzywig27
    I'm simply saying that now would be an odd time to take advantage of their refer a friend offer.
    Originally posted by HornetSaver
    Especially now its ended
    • binaryuniverse
    • By binaryuniverse 4th May 18, 11:41 AM
    • 736 Posts
    • 459 Thanks
    binaryuniverse
    What utter garbage. How exactly is it without question, Martin? I'm questioning it for a start.
    Originally posted by ValiantSon
    They top the polls every single time. Some individuals may still have their own issues with FD but, on the whole, they are better than any of the alternatives.
    • eskbanker
    • By eskbanker 4th May 18, 12:08 PM
    • 7,878 Posts
    • 8,741 Thanks
    eskbanker
    They top the polls every single time. Some individuals may still have their own issues with FD but, on the whole, they are better than any of the alternatives.
    Originally posted by binaryuniverse
    ....but ValiantSon's point is that it's one thing to cross-refer to the (unscientific) customer opinion polls (which, to be fair, is the usual MSE line) but it's an entirely different thing to editorially pronounce them the best as if it's an indisputable ("without question") and quantifiable fact!

    That's not to say that your opinion that "they are better than any of the alternatives" is invalid in any way, and it's an opinion shared by numerous others, but, with all due respect, that's all it is, an opinion.

    Fortunately we're only a few months away from banks having to publish meaningful metrics about their services which will hopefully move us away from the entirely subjective stuff that we currently have to endure....
    • ValiantSon
    • By ValiantSon 4th May 18, 1:17 PM
    • 2,537 Posts
    • 2,490 Thanks
    ValiantSon
    They top the polls every single time. Some individuals may still have their own issues with FD but, on the whole, they are better than any of the alternatives.
    Originally posted by binaryuniverse
    So a statistically invalid opinion poll is the proof that First Direct "undoubtedly" have the best customer service? What a lot of rot.

    It is your - and apparently Martin Lewis's - opinion that they are the best, but it is not a fact beyond doubt.
    • sue.b
    • By sue.b 7th Jun 18, 8:41 AM
    • 102 Posts
    • 47 Thanks
    sue.b
    Has anyone had a problem with payment of the promised gift card from M&S? Mine has not arrived a month after switching so I will be in touch with them but it could be useful to know whether they are getting behind with sending them out.
    • dj1471
    • By dj1471 7th Jun 18, 7:27 PM
    • 1,277 Posts
    • 884 Thanks
    dj1471
    Has anyone had a problem with payment of the promised gift card from M&S? Mine has not arrived a month after switching so I will be in touch with them but it could be useful to know whether they are getting behind with sending them out.
    Originally posted by sue.b
    They're behind with everything due to the volume of applications they've received.
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