Reply to: Best place to put your warchest?

[Pondlife]

It's great when it works. It's when it goes wrong when customer service is really tested.. and Santander have a reputation for failing miserable. Only pipped by HMRC this year I believe.

And you'll never guess who HMRC use for their Bill pay service.

[northernladuk]

To be honest I've had no problems with them, have had my mortgage with them for a while now and can't complain. And as for it being a Spanish back I don't see what the problem is?, am I not covered by the UK Gov deposit guarantee (£85k = way more than my warchest as all the extra £££ goes to paying off the mortgage or is spent by the missus ) in the same way as I am when banking with Natwest (and lets face it Santander are in better shape than RBS!).

It's great when it works. It's when it goes wrong when customer service is really tested.. and Santander have a reputation for failing miserable. Only pipped by HMRC this year I believe.

[kal]

I hope Santander's customer service has improved. It was crap.

To be honest I've had no problems with them, have had my mortgage with them for a while now and can't complain. And as for it being a Spanish back I don't see what the problem is?, am I not covered by the UK Gov deposit guarantee (£85k = way more than my warchest as all the extra £££ goes to paying off the mortgage or is spent by the missus ) in the same way as I am when banking with Natwest (and lets face it Santander are in better shape than RBS!).

[Doggy Styles]

Am in the process of moving my Natwest current account paying cr@p interest to Santander's 123, the cashback alone makes it worthwhile never mind the 3% interest on top. And not banking with those RBS crooks/clowns is a bonus

I hope Santander's customer service has improved. It was crap.

[DimPrawn]

Am in the process of moving my Natwest current account paying cr@p interest to Santander's 123, the cashback alone makes it worthwhile never mind the 3% interest on top. And not banking with those RBS crooks/clowns is a bonus

Spanish bank eh?

[kal]

Am in the process of moving my Natwest current account paying cr@p interest to Santander's 123, the cashback alone makes it worthwhile never mind the 3% interest on top. And not banking with those RBS crooks/clowns is a bonus

[DimPrawn]

I read a newspaper article that said when considering where to put your savings, you should consider the rate of return you are looking for, the level of risk you are prepared to accept, and how accessible you want your money to be.

Well, I'd like a nice old-fashioned savings account, with very low risk, easy access to what is after all my money, and a modest return over inflation.

Not too much to ask, surely?

http://www.bankofcyprus.co.uk/Business-Banking/savings/

HTH BIDI

[Ignis Fatuus]

I read a newspaper article that said when considering where to put your savings, you should consider the rate of return you are looking for, the level of risk you are prepared to accept, and how accessible you want your money to be.

Well, I'd like a nice old-fashioned savings account, with very low risk, easy access to what is after all my money, and a modest return over inflation.

Not too much to ask, surely?

[Sysman]

Tuck it into the knickers of a stripper.

Hookers but not horses. Aka wine wimmin and song.

Remember that the wages of sin is death, but the hours are good.

[Doggy Styles]

Stocks and shares.

[DimPrawn]

Tuck it into the knickers of a stripper.

[lilelvis2000]

My Lad has loads in some stuff with F&C - been doing really well over the past year.
Otherwise I'd say that the only other option is market trading - but you have to invest in the companies. Even these ETF are sucking these days.
Option three is in your mattress.

[Sysman]

My current plan is to get all the expensive jobs done on the house, new central heating and a garage roof have come in with surprisingly low quotes, probably makes sense to get these done when tradesmen are struggling for work.

That was certainly the trick in the early nineties. A former colleague got his rather large barn re-roofed and turned into offices for about 5 grand.

[gingerjedi]

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What could possibly go wrong?

One Bitcoin is now worth around $73.75, up 84% from just two weeks ago when it was worth around $40.

Read more: As Cyprus Implodes, Bitcoin Interest Explodes | Fox Business

The cynic in me sees that correcting itself back down to $40.

Saying that, Thomas Cook continues to climb when I wouldn't invest at 80p, maybe I am risk adverse after-all.

My current plan is to get all the expensive jobs done on the house, new central heating and a garage roof have come in with surprisingly low quotes, probably makes sense to get these done when tradesmen are struggling for work.

[norrahe]

Under the mattress?