I do have trouble with banks, i have closed accounts in the past due to incompetence of bank staff and bad interest rates. I think i have had my Cahoot account for over 8 years and have always found them efficient and polite to me - as you would hope a bank would be (before reality sets in and you find yourself waiting for a paying in book for 6 months).
I find the online banking system easy to use and am able to make payments directly from it to pay off my mortgage when i want to. The interest rate is higher than usual for these sort of accounts but i am a pre-Santander customer so that might be why.
I would always advise shopping about for better interest rates but if good service is important to you as it is to me you might want to consider Cahoot
Like a lot of people i have relatives who know i love books and send me book tokens. Nothing wrong with that - its mildly annoying when you get ones for Waterstones as i know i can get the same books much cheaper elsewhere but never mind.
I ordered 2 books online and one ACTUALLY arrived - waited for the second one.. and waited.... and waited..... I checked the status of the order and found that the book, which i had ordered in good faith from a company advertising it for sale was not available, when i contacted the support services they said they diddnt have the book, the book was out of print and they would send it to me when it was available???
So, just to recap, they are advertising 'potential books that may or may not exist at some point in the future'
I decided not to hire an holistic detective to investigate this and instead cancelled that part of the order only to discover that i could not get the money back as i assume Waterstones see it as theirs as its in their bank account. I therefore went to the shop and attempted to buy a physical book (as opposed to a temporal/potential books they sell online) only to be told there was no money on my card dispite having an e-mail saying the money had been credited back to me.
Another e-mail later i was told that the money was in my 'briefcase' online and it appears to me that i can now only use it on the online system.
I then (with some trepidation) ordered another book only to find the whole thing happening again - book not sent out yet - nobody interested.
So, just to recap..... DO NOT SEND RELATIVES WATERSTONES BOOK TOKENS UNLESS YOU DO NOT LIKE THEM SEND WANT TO ANNOY THEM!!!
My only regret is that there is no function on this site to give no stars.
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