Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • rkelly
    • By rkelly 5th Jul 18, 10:10 PM
    • 6Posts
    • 2Thanks
    rkelly
    Raisin.co.uk are a disgrace
    • #1
    • 5th Jul 18, 10:10 PM
    Raisin.co.uk are a disgrace 5th Jul 18 at 10:10 PM
    Anyone else waiting for the so-called 50 bonus which was promised for the Raisin UK offering 2% AER on 12 month fixed

    I've emailed them three times now and not a single reply. I've had that automated reply which says they will respond in 48 hours, but nothing.


    Did moneysavingexpert vet them before recommending? Raisin customer support is non existent and the bonus feels like a scam.


    Anyone else in the same boat? Raisin deserve to be named and shamed.
Page 2
    • masonic
    • By masonic 6th Jul 18, 6:42 PM
    • 9,489 Posts
    • 6,642 Thanks
    masonic
    Savvy savers will have taken up this product when it appeared in a thread here, long before the main site included it. Non-affiliate links to the offer can be found if you are dead against clicking an affiliate link that benefits MSE.
    • ValiantSon
    • By ValiantSon 6th Jul 18, 7:48 PM
    • 2,192 Posts
    • 2,062 Thanks
    ValiantSon
    It took me less than 2 minutes to find the MSE article....You are welcome.
    https://www.moneysavingexpert.com/savings/savings-accounts-best-interest/#qa

    Note that it has an asterisk next to the GateHouse Bank link.
    Originally posted by OceanSound
    That isn't a recommendation: it is a statement of fact.

    We can split hairs about the linguistics till the cows come home.
    Originally posted by OceanSound
    It isn't a semantic argument (I assume that is what you meant, rather than, "linguistic"). MSE stated facts, they did not promote, recommend, or encourage.

    Anyway, tell what you said to this chap:
    https://forums.moneysavingexpert.com/showthread.php?t=5848597&page=2#33
    who said to me:

    Re.:

    See post #11 re. customer support above.
    Originally posted by OceanSound
    I am that "chap"! The two are not the same. MSE has promoted Chip. Here is a link to the page where they offered their tie-in which got you a higher interest rate: https://www.moneysavingexpert.com/banking/digital-banking/#savings. Also, for your benefit, here's the actual text from the offer:

    Normally the Chip app's* savings interest starts at 0%, yet use our MSE3 code (4,000 available, new customers only) and you start on 3% AER for a year.
    That is a promotion, which implies recommendation. This is not the same as telling people about the offer from Raisin.
    Last edited by ValiantSon; 06-07-2018 at 7:57 PM.
    • rkelly
    • By rkelly 7th Jul 18, 12:49 AM
    • 6 Posts
    • 2 Thanks
    rkelly
    Just catching up on the replies....


    1) For those that say... "oh wait 60 days".... are missing the point.
    The point being, they promise to reply with 48 hours....
    A clear fact here is that there is no response from them even 30 days later...


    2) If they cannot be bothered to respond to basic emails like this, then they deserve to be named and shamed.


    3) Doesn't anyone here have any doubts that if they can't be bothered to respond to emails, then there is a good chance they will mug you off with the 50 bonus?


    4) I posted to make this all public, because the more people that are aware of this, the more chance this thread gets back to Raisin and they pull their finger out and get their customer service in order.


    5) Imagine you have a more serious query that needed answering, email sent, same BS autoresponse promising 48 hour response, then nothing.


    6) Yes Moneysavingexpert have mentioned them, therefore it is a recommendation. If that bonus isn't paid, then MSE need to take a good look at themselves and how they push merchants/services. Before promoting a bank/financial service, MSE should do some background checking, the fact that Raisin have ZERO customer service should have been reason enough to not make it onto the forum.


    7) Someone get a Raisin muppet/representative to come on here and answer my questions. I want answers, not wishful thinking.


    Harsh words, but no customer response from a company involved in financial services is a massive red flag...
    • veryintrigued
    • By veryintrigued 7th Jul 18, 7:27 AM
    • 2,415 Posts
    • 1,853 Thanks
    veryintrigued
    a Raisen muppet
    Originally posted by rkelly
    You've either got anger issues or a dried fruit / puppet fetish.
    • masonic
    • By masonic 7th Jul 18, 8:26 AM
    • 9,489 Posts
    • 6,642 Thanks
    masonic
    The point being, they promise to reply with 48 hours....
    A clear fact here is that there is no response from them even 30 days later...

    the fact that Raisin have ZERO customer service should have been reason enough to not make it onto the forum.
    Originally posted by rkelly
    Your statement in bold is verifiably false. Others have posted elsewhere that they've received a response within 48 hours. You are the only person complaining that you have not received a response. If your conduct here is anything to go by, there might be good reason for Raisin not to respond to your message. What did your message say?

    The notion that the forum should be banned from mentioning this product because one person sent a message and didn't get a response is absurd. Surely you can see that.
    Last edited by masonic; 07-07-2018 at 8:31 AM.
    • Zanderman
    • By Zanderman 7th Jul 18, 8:43 AM
    • 1,711 Posts
    • 4,308 Thanks
    Zanderman
    3) Doesn't anyone here have any doubts that if they can't be bothered to respond to emails, then there is a good chance they will mug you off with the 50 bonus?
    Originally posted by rkelly
    No. The conditions have been met. The payment period is only just half-completed. Raisin's website update (which you reject as being 'amateur hour'!!) states payment will be made soon. There is no evidence that there is anything to worry about at all. Only you call the bonus a 'so-called bonus' and 'a scam'. And you have zero evidence for this.
    Last edited by Zanderman; 07-07-2018 at 8:46 AM. Reason: added raisin update info
    • ValiantSon
    • By ValiantSon 7th Jul 18, 10:04 AM
    • 2,192 Posts
    • 2,062 Thanks
    ValiantSon
    Just catching up on the replies....


    1) For those that say... "oh wait 60 days".... are missing the point.
    The point being, they promise to reply with 48 hours....
    A clear fact here is that there is no response from them even 30 days later...
    Originally posted by rkelly
    No, I don't think that the point has been missed at all. Zanderman, for one, has agreed that it is poor that they haven't given you a personalised reply, given that their automatic response promises one, but the fact is that you don't need a personalised response because the automatic response acknowledges the transaction. The issue is Raisin's failure to better word their automatic replies.


    2) If they cannot be bothered to respond to basic emails like this, then they deserve to be named and shamed.
    Originally posted by rkelly
    You've had a basic response to your basic e-mail: it was the auto reply.


    3) Doesn't anyone here have any doubts that if they can't be bothered to respond to emails, then there is a good chance they will mug you off with the 50 bonus?
    Originally posted by rkelly
    I have no particular reason to believe that they have given any cause for concern about paying the bonus. You are conflating two separate issues.


    4) I posted to make this all public, because the more people that are aware of this, the more chance this thread gets back to Raisin and they pull their finger out and get their customer service in order.
    Originally posted by rkelly
    Good luck with that.

    5) Imagine you have a more serious query that needed answering, email sent, same BS autoresponse promising 48 hour response, then nothing.
    Originally posted by rkelly
    I suspect that you would get a response, because the automated reply doesn't answer your question, whereas acknowledging receipt of an e-mail that provides information only - rather than asks a question - does achieve the objective.

    6) Yes Moneysavingexpert have mentioned them, therefore it is a recommendation.
    Originally posted by rkelly
    No they haven't! This has been very clearly explained. If you want to carry on erroneously believing otherwise then that is your problem.

    If that bonus isn't paid, then MSE need to take a good look at themselves and how they push merchants/services. Before promoting a bank/financial service, MSE should do some background checking, the fact that Raisin have ZERO customer service should have been reason enough to not make it onto the forum.
    Originally posted by rkelly
    They didn't promote it, they passed on information.

    7) Someone get a Raisin muppet/representative to come on here and answer my questions. I want answers, not wishful thinking.
    Originally posted by rkelly
    Your lack of respect and rudeness are hardly going to encourage anyone from Raisin to engage with you on this forum.

    Harsh words, but no customer response from a company involved in financial services is a massive red flag...
    Originally posted by rkelly
    Whatever.
    Last edited by ValiantSon; 07-07-2018 at 10:06 AM. Reason: Typo
    • zx81
    • By zx81 7th Jul 18, 10:23 AM
    • 17,706 Posts
    • 18,830 Thanks
    zx81


    6) Yes Moneysavingexpert have mentioned them, therefore it is a recommendation.
    Originally posted by rkelly
    I mentioned Adolf Hitler once. Pretty sure I wasn't making a recommendation.
    • robatwork
    • By robatwork 7th Jul 18, 10:34 AM
    • 4,451 Posts
    • 4,971 Thanks
    robatwork
    This Raisin account - is it savings or currant?
    • GPK10
    • By GPK10 8th Jul 18, 8:53 AM
    • 6 Posts
    • 8 Thanks
    GPK10
    Sounds like sour grapes to me
    • Vet
    • By Vet 8th Jul 18, 9:56 AM
    • 24 Posts
    • 2 Thanks
    Vet
    What a grape joke! but i'm raisin you this one
    • xylophone
    • By xylophone 10th Jul 18, 12:44 PM
    • 25,764 Posts
    • 15,223 Thanks
    xylophone
    I had an email from Raisin this morning concerning my mid June deposit.

    Good news, we've approved your launch bonus claim, and we're in the process of sending out late-May and June's launch bonus payments. You should receive your 50 cash launch bonus soon.
    • rkelly
    • By rkelly 10th Jul 18, 10:02 PM
    • 6 Posts
    • 2 Thanks
    rkelly
    I had an email from Raisin this morning concerning my mid June deposit.

    Good news, we've approved your launch bonus claim, and we're in the process of sending out late-May and June's launch bonus payments. You should receive your 50 cash launch bonus soon.
    Originally posted by xylophone




    Calm down, it's not in your account yet is it...
    • veryintrigued
    • By veryintrigued 10th Jul 18, 10:23 PM
    • 2,415 Posts
    • 1,853 Thanks
    veryintrigued
    Calm down, it's not in your account yet is it...
    Originally posted by rkelly
    All this anger puts you at risk of a coronary by the time youre 16.
    • Westie983
    • By Westie983 11th Jul 18, 6:22 AM
    • 4,426 Posts
    • 14,965 Thanks
    Westie983
    Hi,

    Please could you respect other forum members who are trying to help and answer your query.

    As others have said its a 60 day turnaround and we havent got to that time frame yet.

    I have had an email saying my bonus is on its way so its just a waiting game.

    I understand your issue is regarding the 48hour reply I can assume this is the wording used on all their emails and because your email was in relation to the bonus there was no need for a reply and as it was a automatic email sent from their email server and wasnt a personalised reply or sent via a human typing it.

    Just wait a little bit longer or try calling them if you really need or require to chase them but I would assume you will get the same email as myself and others in time.

    Westie983
    Save 12k in 2018 #10 Total (25,000)+11,000/12,000 = 91.66%
    Sealed Pot Challenge ~ 11 #97 Total (410) + 40/500 = 8.00% ( x 11)
    Xmas 2018 1 a Day #2 Total 62.59/365 = 17.14%
    Virtual Sealed Pot #1 Total 1000/1000 = 100.00%
    2 Savers Club 2018 #16 Total (1500)+-480/2000 = 51.00%

    Total 13,122.59/15,865 = 82.71%

    I'm a Board Guide on Budgeting & Bank Accounts, Debt-Free Wannabe, Disability Money Matters, and Savings & Investments. I'm a volunteer helping the boards run smoothly, but I'm not a moderator, and do not read all posts. If you see an inappropriate/illegal post then email forumteam@moneysavingexpert.com
    • Zanderman
    • By Zanderman 11th Jul 18, 7:03 AM
    • 1,711 Posts
    • 4,308 Thanks
    Zanderman
    As Westie has said, have a little respect for the people responding to you.

    Who have made reasoned responses explaining that your complaint is effectively just about the wording of Raisin's auto-emails, and that nothing they've done, or haven't done, brings any doubt to the 50 bonus scenario - the conditions for which have been met.

    Your complaint simply relates to their auto-response email wording, not to the 50 bonus scenario. This issue has been addressed repeatedly in this thread.

    (edited to add: this post (and Westie's post above) makes less sense than it did because the post it refers to has been removed by the forum team)
    Last edited by Zanderman; 11-07-2018 at 10:17 AM. Reason: referring to deleted post
    • Reed_Richards
    • By Reed_Richards 11th Jul 18, 7:47 AM
    • 97 Posts
    • 31 Thanks
    Reed_Richards
    I applied to Raisin on 19th June and applied for the 50 bonus on the same day. I got an automated response. Yesterday, 10th July, I got an email saying that Raisin are processing the applications from May and June and that I should get my 50 bonus soon. It has not yet arrived. I am not the only one tor receive such an email as you can read here: https://forums.moneysavingexpert.com/showthread.php?t=5854315&page=4# and on the following page. I see no reason to jump to any adverse conclusions about Raisin based on their performance so far.
    Reed
    • masonic
    • By masonic 11th Jul 18, 7:50 AM
    • 9,489 Posts
    • 6,642 Thanks
    masonic
    I hope you will be bringing equal awareness to the scenario if it turns out you are wrong and owe Raisin a public apology. I know I will be.
    Last edited by MSE ForumTeam3; 11-07-2018 at 8:47 AM. Reason: Quoting deleted post
    • colsten
    • By colsten 11th Jul 18, 8:28 AM
    • 9,071 Posts
    • 7,881 Thanks
    colsten
    Yesterday, 10th July, I got an email saying that Raisin are processing the applications from May and June and that I should get my 50 bonus soon. It has not yet arrived.
    Originally posted by Reed_Richards
    Had the same email yesterday, too.
    • robatwork
    • By robatwork 11th Jul 18, 9:25 AM
    • 4,451 Posts
    • 4,971 Thanks
    robatwork
    I wonder if certain people believe they can fly?
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

3,053Posts Today

8,055Users online

Martin's Twitter