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| Ease of Use | 4/10   |
|---|---|
| Value for Money | 3.7/10 |
| Overall rating | 3.4/10 |
Full review by
Guest.
on 30th Jan 2008
User Rating : 7
Respect :
0
Good Points: Online banking. Offset Mortgages. Can make overpayments on mortgage.
Bad Points: None so far.
General comments: My wife and I have been with IF for over a year now and so far we've been impressed with the level of service we've had from IF. Our mortgage, current and savings account is with IF, we currently have an interest only offset mortgage which we allows you to over pay. We don't earn interest on our savings or current account as these are offset against the mortgage.
Guest.'s review and ratings | 81 words
Review by
SteveNaive
on 27th Nov 2007
User Rating : 3
Respect :
0
For years I paid a small amount of money into a Cash ISA with IF. I would have interested credited once a year and everything was rosy in the garden. That was until I wanted to withdraw most of my money (£10,500) to pay a lump off my mortgage when remortgaging. I tried to transfer the amount from IF to my nominated current account with Lloyds. I was informed that this was not possible over the internet! Not bad for a web based account! I then called their customer services who informed tha ...
SteveNaive's full review | 298 words
Review by
cowlibob
on 22nd Mar 2006
User Rating : 4
Respect :
0
When I first signed up with IF Internet Banking, the site frequently blocked access. I was later told that my security questions, username and password were case sensitive. Probably a user error, but a pit fall all the same.
I like to list the direct debits which have yet to be payed this month, in order to get an accurate idea of how much I can spend / save. With cahoot, the best way was to list the direct debits, and it would show a table of DD names, dates and values all on one page. IF li ...
cowlibob's full review | 180 words
Review by
jules36
on 14th Dec 2005
User Rating : 8
Respect :
0
The only problem I have with IF Internet Banking is that sometimes you just can't access the site, but when it is up it's great.
jules36's full review | 25 words
Review by
Dongle
on 20th Aug 2005
User Rating : 5
Respect :
-1
IF's website shows all your transactions (not just the last few weeks).
Performance has been a bit slow recently ... I've had trouble signing-in on several occasions.
Very annoyingly, IF has moved their credit card to Halifax, so the sites are no longer integrated (they have also dropped some of the financial incentives to have all your products with them)
Dongle's full review | 71 words
Review by
Notamoaner
on 8th Aug 2005
User Rating : 9
Respect :
0
Well, I have been sitting reading the reviews here after being an IF customer since the start and am appalled by the reviews that I have read!
Overall I have had nothing but great service from the bank and I have to say I have not always had this service from my previous bank!!!!
I have my mortgage with them and so do my sister and parents and none of us have had any problems. All companies including banks will have problems and customers will be disatisfied, however it is all to common fo ...
Notamoaner's full review | 179 words
Review by
theobot2000
on 3rd Aug 2005
User Rating : 0
Respect :
0
OK, IF sent me a letter to say that my credit card would be cancelled on 10 July. What I didn't realise was that it would totally dissappear from my online banking page. So, I now have no way of knowing how much I owe, and how I can pay it off. I emailled them to ask how I can pay off the balance, and they said it was nothing to do with them and that I should phone some number (not freephone of course). They can whistle!
Needless to say, I'm moved to another bank (A+L). Should have checked th ...
theobot2000's full review | 143 words
Review by
chajun
on 19th Jul 2005
User Rating : 1
Respect :
0
After being dumped by IF regarding ending the credit card offset facility I notice that they have the cheek to offer 0% credit card facilities for 9 months to customers who do not have any money with IF. Absolutely disgusting service.
This should have been offered to existing customers. Wouldn't surprise me soon to see the IF Marque vanish and it all just called Halifax Bank. At least we can then pay in cheques and get them cleared quicker.
chajun's full review | 113 words
Review by
cmabbo
on 15th Jun 2005
User Rating : 0
Respect :
0
Well, we too were offered a mortgage in principle, we paid our £425 for the valuation and opening up the correct account but two months down the line they have been stringing us along because they couldn't comprehend that my husband was an IT contractor, they kept thinking he owned million pound corporations!! We went though a broker who probably knew how to deal with them better than us and if he had problems then the normal person on the street has no chance! We have now gone with C&G wh ...
cmabbo's full review | 105 words | 1 comment added.
Review by
chajun
on 30th May 2005
User Rating : 1
Respect :
0
Like others I received a letter in the post yesterday from Intelligent Finance stating that as from the 8th July 2005 all customers with Visa credit cards are going to be "dumped".
The reason given is because of their system not being able to cope with the new chip & pin system. It is proposed that all IF customers have to contact Halifax Bank or others and make their own arrangements for a credit card and re-arrange all of their direct debits. There is no mention why at least they are not ma ...
chajun's full review | 235 words
Review by
neilgall
on 25th Apr 2005
User Rating : 2
Respect :
0
After having a mortgage and savings with IF for a couple of years last autumn I decided to move my current account to make it easier to move money between accounts and to take further advantage of offsetting.
IF cocked up my current account transfer and a standing order for over £600 was paid twice in the same month. Luckily I had the savings to get me through the month.
I then moved house in December and am still (end of April) waiting for the temporary mortgage to be moved into the ...
neilgall's full review | 136 words
Review by
notappy
on 27th Sep 2004
User Rating : 0
Respect :
0
I see I'm not the only one to get incompetent service from if.com Intelligent Finance.
I should have known when my initial (substantial) deposit was credited to someone else's account. Since then several cheques have been lost or mis-posted.
I shan't be sorry to see the back of this 'bank'.
notappy's full review | 51 words | 1 comment added.
Review by
lunepilot
on 1st Aug 2004
User Rating : 10
Respect :
0
Very pleased with this service from Intelligent Finance, strongly recomended. I have attempted to do most of the functions on the Internet Banking web site with no problems at all and i'm no computer expert. Transfering money, setting up direct debits, paying lump sums of your mortgage, offsetting you name it no problem.
lunepilot's full review | 63 words
Review by
Roy the bus
on 28th Jul 2004
User Rating : 0
Respect :
0
My mortgage was arranged through a broker who recommended IF. They seemed to offer a good deal with offset mortgage. A year down the line, I got married and wanted to change to a joint mortgage. They said we couldn't change to a joint morttgage, we would have to reapply, but they could only offer £35,000 LESS than I already had because of a "change in their lending requirements" despite now having joint earnings far in excess of that originally required. No, we couldn't make direct debt pa ...
Roy the bus's full review | 244 words
Review by
bjblackmore
on 14th Jul 2004
User Rating : 4
Respect :
0
We managed to get a mortgage with IF Intelligent Finance about 6 months ago. Last month we decided to get a fixed rate with Northern Rock, as it was cheaper. NR redeemed the mortgage with I.F. on the 8th June, however we'd already had June's payment come out on the 1st, about £450. A week later we also had to pay the 1st mortgage payment with NR for another £450.
So we phoned I.F. and asked if we were due a reimbursement for the extra paid. I was told we would get about £250 b ...
bjblackmore's full review | 407 words
Review by
Brontie
on 1st Jul 2004
User Rating : 1
Respect :
-1
6 months ago we applied for a mortgage through Intelligent Finance. The fellow was very helpful, explained everything and then told us we could have the mortgage - everything was credit checked and agreed. They sent us all the paperwork, we filled it out and sent it off. We then had to pay £300 for a house valuation but were told not to worry because we get this back with the first mortgage payment. We were then sent a letter by First Title Legal who do all the Equity searches and told it ...
Brontie's full review | 289 words
Review by
ababbs
on 28th Jun 2004
User Rating : 0
Respect :
-1
Intelligent Finance - I decided to transfer my Smile ISA's to IF 10 weeks ago. This process all went smoothly I was told I could add current accounts and savings later if required, so I did. Big mistake -- my ISA and my current account and saving are now allocated to 2 different plan and customer numbers. I have been trying to get them all into one place for 3 weeks and they are still no closer to arriving.
My main incentive for opening an IF account was the ISA rate and that I was shortly plan ...
ababbs's full review | 483 words
Review by
sourgrapes
on 18th Jun 2004
User Rating : 0
Respect :
-1
DO NOT BANK WITH INTELLIGENT FINANCE - they are slow, incompetent, and train their staff to lie to their customers. If you open an account and try to close it, they act as though your money now belongs to them and will hold it up in their system for as long as possible. Staff are trained to tell you what you want to hear, so every time you phone you're told that 'a transfer is in progress' while in fact no move has even been made to close the account. It's not even real online banking - practic ...
sourgrapes's full review | 156 words
Review by
tomgg
on 11th Jun 2004
User Rating : 10
Respect :
+3
I am afraid most of the people writing these reviews may have had one or two relatively small bad experiences with Intelligent Finance. However, for myself (and everyone else I know who have IF accounts - quite a few now) they are are a quietly efficient banking service with great interest rates. It seems the unhappy ones, even though they're the minority, make the most noise as usual.
We've had IF account for over three years now. This includes our morgage, mine and wife's joint account, sav ...
tomgg's full review | 221 words
Review by
sirmaggie
on 8th Jun 2004
User Rating : 10
Respect :
+1
I have been using Intelligent Finance for three years now and never had a problem. Recomended them to friends and family too, even my mum (67 years old) is a great IF fan. Reading reviews here has shocked me. Why is everyone phoning a call centre when its an internet bank!!!! The site is very very easy to use and you can sort everything you need to from there. I set up my current, savings, ISA and loan without making one phone call. Paper work arrives within two days though post and all you do i ...
sirmaggie's full review | 130 words
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