Munchie
Member
Registered: 17th Jul 01
Location: I swap goats for mobile phones
User status: Offline
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yo anybody got a student account with barclays?how much % intrest do u get a year?there isnt anything on there web site! help me asap please!!!
oh and im talking bout an account for uni etc.......ta 
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beav
Member
Registered: 20th Aug 01
Location: Home-Ayrshire (Troon), Uni-St Andrews
User status: Offline
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Try Royal Bank of Scotland....major interest free overdraft something like £1250 and it increases the more years ur there. I know its better to stay in the positive but sometimes I need to eat 
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Bonus
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Registered: 13th May 02
Location: Cheltenham
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Munchie - I have a student account with Barclays. Dont know what the rate of interest is tho, cos barclays also give you £1250 interest free. Also give you a year to pay it back once your done 2.
Tip for you - Have 2 accounts. Have a normal current account, have your income and all you money going into that. Run your student account well into the red. You can then goto your uni and claim hardship, the'll ask to see your bank statements, you show them ure student account which is well in the red, they give you £500 for your trouble! Dont have to pay it either, and the'll never know how much money u really have sitting in ure other acount!
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beav
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Registered: 20th Aug 01
Location: Home-Ayrshire (Troon), Uni-St Andrews
User status: Offline
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I would actually feel bad at doing that..but its a bloody good idea
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Phil321
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Registered: 10th Mar 01
Location: Manchester
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unless you are MEGA skint ie overdraft full, loans taken out, can't pay rent etc they won't give you a hardship grant. What I assume Bonus is talking about is a hardship loan, which is an extension of the student loan, which has to be paid back in full! Just means more debt!
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Phil321
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Registered: 10th Mar 01
Location: Manchester
User status: Offline
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plus, if it was that easy, do you not think thousands of students would be doing it and they might catch on?
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beav
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Registered: 20th Aug 01
Location: Home-Ayrshire (Troon), Uni-St Andrews
User status: Offline
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I actually have to sya thta we were told about these when we stared and im sure they were non repayable, we were told that if we were in any trouble to go and get one because last year they actually had to give money back to the goverment and the way it was put was "and we don't like doing that"
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Bonus
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Registered: 13th May 02
Location: Cheltenham
User status: Offline
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Unis do both hardship loans and grants. If you go at begining of year you will almost definity get a loan, but anything after that is a grant. Latter on in the year its all grants cos they have to get rid of the whole pot of cash or they dont get as much the next year. You can do up 3 in a year, even if you get the 1st 500 in a loan and pay it back, the other 1000 is free anyway!
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Munchie
Member
Registered: 17th Jul 01
Location: I swap goats for mobile phones
User status: Offline
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yeh neway....how much is da intrest on barclays student account then?! lol oh yeh and bonus....check ure last statement maybe? it will tell u ure rate of interest! cheers
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Bonus
Member
Registered: 13th May 02
Location: Cheltenham
User status: Offline
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Looking at a statement.....Credit interest rate - 0.10%
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broster
Premium Member
Registered: 6th Dec 02
Location: Drives: E39
User status: Offline
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a lloyds acount is best, gives £1500 in 1st year! thanx mate, then get a natwest one £1250! wikid, many mods later i have -£2750! an where did my loan go, next instalment in 2 weeks! wikid!
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Bonus
Member
Registered: 13th May 02
Location: Cheltenham
User status: Offline
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Yup, looking forward to a nice big lump! 2 weeks 2day! Its either going to pay for my 2ltr conversion or a bodykit, just need to decided which!!
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