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Frances Heaton

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Review of the Nationwide, FlexDirect:

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Great interest rate for a limited time.

Nationwide Flex Direct current account gives a fabulous interest rate of 5% gross for the first 12 months, reverting to 1% interest after this period ends. To gain these rates you have to pay into the account at least £1000 per month. We decided to switch our ordinary Nationwide Flexclusive current account in order to receive this higher interest rate. The switch went smoothly, with no problems whatsoever, and we received the advertised rate on account balance up to £2500. Unfortunately the higher rate is reduced after one year, and customers receive the lesser APR of 1% interest. I would recommend this account - even though the higher rate is available for only one year, customers receive 1% following this. Previously we had been receiving no interest whatsoever on our current account. However, for those willing to keep switching current account deals with different banks, there are much better interest rates on offer. Reviewed on: 28th March 2016

Review of the LV (Liverpool Victoria), Car Insurance:

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Helpful when needed

We have had our car insured with LV for three years now. Although comparing price of policy when the insurance is due for renewal, LV will usually match prices, keeping hem competitive. Unfortunately, this year, a small accident occurred to our car while it was parked. LV couldn't have been more helpful. They contacted repair services, organised repairs, courtesy car etc. And because there had been a witness to the accident, we did not have to pay the excess charge. LV behaved exactly as you would hope an insurance company would under these circumstances, and I couldn't rate them more highly. Reviewed on: 28th March 2016

Review of the LV (Liverpool Victoria), Car Insurance:

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CheekyCharges Campaigner

Have never been charged an admin fee with LV - no #cheekycharges. Reviewed on: 10th March 2016

Review of the LV (Liverpool Victoria), Car Insurance:

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Competitive prices and helpful when needed

We were already covered for car insurance with LV and their renewal had increased even though there had been no claims during the year. We compared prices and got back to LV who agreed to drop renewal price, and we therefore purchased. Why does insurance companies not offer their lowest price upfront, rather than charging as much as they think they can get away with. There is no loyalty to existing customers. However, if fairness, we did have a claim the following year, not our fault, and LV couldn't have been more helpful. Have therefore awarded good marks for this insurer. Reviewed on: 10th March 2016

Review of the Virgin Money, Cash ISA:

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Virgin 2-year fixed rate ISA

Earlier this year I filled in an application form for Virgin Money to transfer my ISA funds from another provider. Virgin Money were offering a more competitive rate for a 2-year fixed rate bond. An appointment was set up at a local branch, and I was helped by a very professional and helpful assistant. She helped me to fill in the forms, explaining each step, and couldn't have been more helpful. The funds were quickly transferred from the previous company, and the paperwork and fund certificate sent to me in the post. The whole process was made incredibly easy largely due to the assistant at Virgin, and I would recommend their service. A positive experience - and I am hoping that when the bond matures, Virgin will still be offering competitive rates. Reviewed on: 24th December 2015

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