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Rachel S

15

Total reviews written

0

Helpful marks given to their reviews

127

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All reviews (15)
Review of the M&S Bank - Marks and Spencer, Credit Card:
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Good extras but make sure you get them!

2
Appealing joining incentive but I had to chase them to get it, and have had to make several customer complaints since regarding the reward incentive vouchers not tracking properly. Be warned, they take the "customer is always wrong" approach and it takes several emails back and forth before they accept you are right! If you're prepared to do that though there are some good bonuses to be had, especially if you shop in M&S regularly. Reviewed on: 7th February 2017
Review of the Santander, 123 Current Account (discontinued):
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Nearly lost me a home

1
First they increased the monthly fee from £2 to £5...then they cut the interest rate from 3% to 1.5%...well ok that's market forces at work, I guess I understand...but what really got my goat? When we moved house earlier this year, I needed to transfer a lump sum for a rental deposit...Santander blocked it because it "didn't fit my regular spending pattern". Well of course not, moving house is not a regular occurrence! There was easily enough money in the account to cover it, bu... Reviewed on: 21st November 2016
Review of the Santander, 123 Current Account (discontinued):
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First they dropped the rate, then they nearly lost me a home

1
First they increased the monthly fee from £2 to £5...then they cut the interest rate from 3% to 1.5%...well ok that's market forces at work, I guess I understand...but what really got my goat? When we moved house earlier this year, I needed to transfer a lump sum for a rental deposit...Santander blocked it because it "didn't fit my regular spending pattern". Well of course not, moving house is not a regular occurrence! There was easily enough money in the account to cover it, bu... Reviewed on: 21st November 2016
Review of the Halifax, Online Saver:
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Glad I got it when I did

4
Was very quick and easy to set up online, and was a market beating rate at the time (4%) for a Help to Buy ISA. Only pays out annually though, so can't say for certain will get that rate, although they have said that existing customers will get the rate they signed up with rather than the new customer rate (which has fallen twice and now stands at 2%) I won't believe it for certain until I see it in December. This is not because I have a reason to distrust this bank in particula... Reviewed on: 30th August 2016
Review of the M&S Bank - Marks and Spencer, Current Account:
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Farce

1
We were drawn to the account by the generous switching bonus so moved our joint account, but had we known how hard we'd have to work to get it we'd have thought twice. Pretty much everything that could go wrong did: they couldn't find me through credit search (other banks have with no probs) so we had to make a 50 mile round trip to the nearest branch to prove my identity...where they kept us waiting over an hour, because the address was slightly different on my two identifying ... Reviewed on: 18th February 2016

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