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RSxpp

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All reviews (16)

Review of the Quidco, App:

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Excellent earner

I have managed to notch up just over £700 in cashback with Quidco since I joined in 2009, and I am far from a big spender! If you get into the habit of using it to click through for every online shop (including insurance, checking credit scores, tickets etc as well as physical goods) and checking the associated Clicksnap app for discounted and even free (after cashback) products in the supermarket, it quickly starts to add up . Customer service is great and on rare occasions where problems occur they're resolved quickly. #MaxYourMoney Reviewed on: 20th March 2017

Review of the M&S Bank - Marks and Spencer, Credit card:

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Good extras but make sure you get them!

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

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, but despite having received certified proof that I'm a grown up when I opened the account Santander seem to think they have the right to stop me spending my own money! When I asked what I could have done to prevent this, they said "nothing, as it's automated" - how comforting! I got £30 compensation, but that's nowhere near enough for the stress of nearly losing the home we wanted (&needed) and the embarrassment of the letting agents and landlord treating me like a wanted criminal. Am looking to switch in the very near future. 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

Review of the Halifax, Online Saver:

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Glad I got it when I did

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 particular, I'm just not a very trusting person! Reviewed on: 30th August 2016

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