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Edward Cunningham

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All reviews (6)

Review of the Virgin Money, M Plus Account:

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Cydesdale Bank/VM customer for over 50 years

I have been a Clydesdale Bank (now Vrgin Money) customer for 50+ years. My wife and I were both staff at one time and we held a ClyBk mortgage for about 30 or those years until fully paid off. We are in a strong financial position and therefore a "private client". I've seen personalised service degrade since the VM "merger" and we can no longer have f2f meetings with private client manager (who is Glasgow based) unless we are buying a bank product. Also we are on our 3rd manager in 5 years (previous very good but made redundant) and our nearest branch (VM having closed Guildford & Reading) is 30 - 50 miles away or more. CLub M account is good for insurance coverage and worth the money. Also competitive rates on Cash ISa and 1 year e-bond accounts, al of which my wife and I hold. Hoping the Nationwide acquisition will improve things, although the Scottish element will have disappeared (as it did with Virgin Money rebrand). Reviewed on: 27th February 2025

Review of the Raisin, Savings:

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Easy to set up online 1-year fixed term bond.

Easy to set up online 1-year fixed term bond. Reviewed on: 22nd January 2025

Review of the Direct Line, Home Insurance:

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No DL renewal despite 15 years of no claims.

Direct Line didn't renew my buildings and contents insurance because it was a 2nd home, only used by us.We have had insurance with DL for 15 years since we bought the house from new and never made a single claim.They suggested Gallaghers which was FOUR TIMES the premium.We wnt with RAC at a samll increase over DL's last premium.Disgraceful Reviewed on: 15th March 2024

Review of the SmartSave, Savings:

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I have a 1-year fixed rate bond.

I have a 1-year fixed rate bond. It was easy to set up and the interest rate is good. I have had no issues with it at all. Reviewed on: 26th January 2024

Review of the Direct Line, Home Insurance:

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Easy to deal with except at renewal.

Very happy with the covergage and customer service we have had for many years on our two properties. My only bug-bear is the "renewal dance" where they seem to quote an inflated price, I call them and they revert to something close to or lower than the old premium. Reviewed on: 24th August 2023

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