Michael Harris's reviews - Smart Money People

Long BT Offer

5

With BT offers getting shorter, it was nice to get an extended 0% deal. Not had much interaction but the Mobile App works for me (and I've seen the reviews from others). Reviewed on: 6th May 2021

Balance Transfer

5

Initial application process to acceptance was very slick, however it was a bit old fashioned to wait for a paper copy of a code to let you into their app. Other than that, little effort on my part to complete the transfer apart from postal delays. Reviewed on: 30th September 2019

Simple stuff

5

Everything can be done via the app, from account opening to tracking savings amounts. It took a couple of minutes to open the account / set up a regular payment. Makes everything so easy when everything can be done in one place. Reviewed on: 6th November 2018

No app & a lot of hard work...

2

Although applying for the account online took a couple of minutes, it took nearly 3 weeks for the paperwork to arrive & activating the card / signing up for online banking was more hard work than it needed to be. I do like the text reminders for payments but this was one of those cards where I watched daily for the payment to leave my account (even after I checked over the phone & via social media) - I just didn't trust that it was in place. Having moved from a bank with an app, I miss it! Reviewed on: 13th August 2018

Not a great start

1

Applied for the account over 2 weeks ago, still waiting for my card. Lots of confusion & not a great deal of help. Fingers crossed it gets better from here! Reviewed on: 1st December 2017

No news is good news

5

Recently went through a mortgage review & although there were long periods with no interaction / updates, I did periodically receive a text telling me everything was on track - perhaps a few more updates would have been good to avoid me calling for an update. Other than that, it was a seamless process with little effort from me. Reviewed on: 6th November 2017

Reply from Hi Michael, great to hear you're happy with your Mortgage review! Just get back in touch if there's anything else we can help with. Thanks, Jane Response date: 7th November 2017

Multi Cover

4

Renewed under the new multi cover banner - in the past 6 months I've transferred 2 x car insurance & my home insurance to Admiral - cannot be beaten on price & the service has been brilliant. Proof will be when I come to renew in May next year, but for now I'm very happy. Reviewed on: 9th October 2017

Returning Customer

5

I've had Black Horse car finance for a number of years now & actually chose them over another car finance company for my last car. Really good updates via statements / online during the loan period & easy to deal with when completing the finance period Reviewed on: 15th May 2017

Just another Insurance company...

3

Although setting up my insurance online was simple & the ability to upload documents online is a welcome relief, now that I've had to speak to someone this experience has started to unravel Reviewed on: 28th April 2017

Balance transferred with ease...

4

Managed to sort a balance transfer, via their app, in a matter of minutes. I did have a couple of issues & would recommend using their social media team over their call centre as they're much better Reviewed on: 28th December 2016

Simple

5

Just over a year into my mortgage; I pay it every month & no one bothers me - exactly how I like it. I get the odd email from time to time & use the discounts when I need them, but other than that I like that I'm left to myself Reviewed on: 15th November 2016

Great offer & customer service

5

Great service through-out the length of my 0% interest period. My most recent offer has come to an end & the majority of my documentation has been encouraging me to clear my balance or leave to avoid interest charges; quite refreshing for a bank to do this. My previous experience is that this is hidden in the small print. Reviewed on: 11th November 2016

Avoid!!

1

Possibly in the middle of receiving the worst service I've ever experienced. No ownership of issues, no updates, no sense of urgency, no help & I have to resort to "complaining" on Twitter every time I want to talk to someone (who then tell me to ring the person I have been trying to ring / email without success!!) And this doesn't even relate to a claim...! Reviewed on: 10th November 2016

Easiest Current Account I've Used

5

Switched to Nationwide just over a year ago & wished I had done this sooner. I have total control of my money via their app / online platform (this includes my Current Account, Savings & Credit Card); something I've never had with previous banks Reviewed on: 3rd November 2016