RSxpp's community profile page - Smart Money People

Write a review

Newsletter

Go to business site

Viewing profile for,

RSxpp

Total reviews written

Helpful marks given to their reviews

470

Times reviews seen

All reviews (18)

Review of the Santander, Saver:

View on product page

The customer is always wrong

I tried to open the First Home Saver account, and definitely completed the correct form as I ticked a box agreeing to use the funds towards a first home. However when it was opened it was a different account (Limited Access Saver). I challenged this through the live chat (would have much preferred an email contact form) and eventually was told I must have made a mistake. When I reiterated that I had definitely filled in the right form, they eventually admitted that "there seems to be an issue with how the website redirects and some people have had limited access savers opened instead", so essentially I was correct and it was their error. This 'customer is always wrong' attitude really irritates me, and the chat wasted my time as they didn't do anything I couldn't do myself - I wanted the incorrect account converted but of course they just told me to close it and restart the glitchy process again, which so far I've lacked the motivation to do after such timewasting poor service. Reviewed on: 8th July 2026

Review of the Lloyds Bank, Club Lloyds current account:

View on product page

Everyday offers cashback doesn't track

I like the in credit interest, but the Everyday Offers cashback scheme is clunky and unreliable. To access the offers you have to scroll through the joining info each time, even when already signed up, and there is no option to flag qualifying transactions that haven't been tracked for cashback. Reviewed on: 11th April 2026

Review of the Tesco Bank, Pet insurance:

View on product page

Inconsistent

They changed underwriter mid-policy, so claims keep getting lost between old and new one, correspondence went astray several times and had to be chased up. Reviewed on: 7th September 2025

Review of the J.P. Morgan Personal Investing (formerly Nutmeg), Lifetime ISA:

View on product page

Good performer

Runs well, doesn't need much input, claims government bonus automatically. Always pleasantly surprised when I check in to see how well it's performing. Like that it has environment/social responsibility fund that can be opted into. Reviewed on: 9th March 2025

Review of the Cheddar, Cashback account:

View on product page

Much improved

I went off Cheddar and didn't use them for ages as it seemed impossible to hit the payment threshold. However they've now started selling store giftcards with competitive cashback rates so I've been tempted back and am able to cash out regularly. Reviewed on: 7th June 2024

We are helping 1000s to make smarter financial decisions

We use the power of consumer reviews to help increase trust and transparency in financial services and to deliver industry leading insight and events.