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No - that statement is not clear and is ambiguous. FA themselves made a mountain out of this particular by telling me (read my earlier posts) that the lower rate applied to the full balance if it exceeded €15K and telling others that the lower rate applied only to the balance in excess of €15K. They have also given me and others contradictory information on charges and the ability to transfer from non FA accounts. Unfortunately this inconsistent approach to giving out information coupled with their tardiness in processing applications would suggest that they simply do not have this matter under control. Personally I am also considering cancelling the cheque that I sent them and cancelling the account application.Get a great rate of 5.22% AER variable*
(4.07% for balances between €15,001 - €1,000,000).
looks pretty straightforward to me. sometimes we make our own mountains out of molehills
Not so straightforward on that front either then?I visited FA today as I have one of those ECB linked accounts to transfer over to an e-savings account but the official said I had to open the account on line and then come back in and she would transfer whatever amount I required.
As I mentioned earlier I was explicitly told otherwise - i.e. > €15K means 4.07% on the lot.
Doh! Sorry - thanks for pointing that out.See mine of 19-07. From the website ''interest is calculated daily and paid monthly.''
If monthly then it should be simply to soon sanity check how they apply the rates to balances > €15K.
I must be one of the lucky ones......posted off my application Monday of last week and received confirmation of my account number etc yesterday.
They stated in this letter that my original documentation will follow shorlty, as will my pin, passwords etc.
The letter also stated that I had 14 days to cancel policy and they will refund me my premium plus any interest.
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