August/September 2014
In this issue... Local businesses Local News
- Regular events at Hamworthy Library
- Hamworthy United FC Needs You!
Prize Wordsearch - Win a Family Portrait Gift Voucher
Regular Features
- Adventures of Nellie
Delivered FREE as part of The Poole Directory series
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Flooring Superstore • OPEN 7 DAYS • FREE ESTIMATES • 100’S OF BIG BRANDS • BEDROOM FURNITURE & 100’S OF RUGS • DISPOSAL OF OLD FLOORING & BEDS
HUGE SAVINGS! PLUS WE’LL BEAT ANY LIKE FOR LIKE WRITTEN QUOTE!!
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DIRECTORIES Not to be used in conjunction with any other offer
We are the area’s only
BEDS, MATTRESSES, CARPETS, FLOORING & BEDROOM FURNITURE
Tower Park, POOLE BH12 4QY 01202 723162 also at Ferndown Industrial Estate, BH21 7PE, Tel: 01202 872240
www.carpetsandbeds.com
The Bed Specialist
the
bed store
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Introduction
The Poole Directory - Hamworthy Edition Edition 42
Published by:
Stephen & Debbie Corney at Dorset Publications
Telephone:
01202 894397
Email:
info@thepooledirectory.co.uk
Copy deadline for the September edition: 25th August 2014
Disclaimer: Whilst every care has been taken to ensure that data in this publication is accurate, the publisher cannot accept any liability to any party to loss or damage caused by errors or omissions resulting from negligence, accident or any other cause. The Poole Directory does not officially endorse any advertising material included within the publication. No part of this publication may be reproduced, stored in any retrieval systems or transmitted in any form, without prior permission of the publisher.
Dear Hamworthy, Wow what fantastic weather we have had this year, except of course the flash flooding in some areas. We have been lucky enough to avoid this. Stephen, myself and our ‘roaming reporter’ son, Hayden (age 10), had a brilliant day at The New Forest Show. The show jumping horses were just magnificent, the Heavy Horses stood so proud and confident, in all their glory and the guys on the motocross bikes were riveting! We thoroughly enjoyed the whole day. Did you managed to get there too? We have a full summer issue of The Hamworthy Directory. This is delivered to you every three months as part of our Poole Directory Series. We do hope you enjoy reading the articles. Your very own Hamworthy football club is looking for help and support. The Hamworthy library have regular events to help you, The Royal Bournemouth and Christchurch Hospitals are really caring for their older patients and we celebrate marine wildlife with the Dorset Wildlife Trust. Martin Lewis talks about banking and Nellie, the Dorset Publications campervan, took us to Norden Farm! What a great weekend that was. Don’t forget to fill in your prize wordsearch. The lucky winner last month was Cynthia O’Hara. Well done to you! Lastly and most importantly there are our very own advertisers. They are definitely awaiting your calls and would love to hear from you. Please get them to help you whenever you need them. Stephen and I thank you for supporting them. Wishing you a great end of August and beginning of September. May the sun keep shining! Very best wishes,
Debbie & Stephen Corney
Useful Numbers Local Police Bournemouth Airport Central Library Emergency Electric
101 01202 364000 01202 454848 0800 028 0247
Poole Hospital Poole Council Sembcorp Water Emergency Gas
01202 665511 01202 633633 01202 590059 0800 111 999
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Downton Diggers provide a wide range of services including: • Demolition • Site Clearance • Groundworks • Small Builds • Extensions • New Driveways • Resurfacing Existing Driveways • Drainage Services (Pipes & Septic Tanks)
01980 621865 07718 080058
downtondiggers@btinternet.com “For all digger jobs large or small… give us a call!”
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Locked out of your house or flat? Looking to upgrade your locks?
24/7 Mobile Locksmith • • • • • • • •
Emergency door opening All locks supplied & fitted Boarding & burglary repairs Local, fast & friendly No call out charge CRB checked Fully insured No VAT
For a free, no obligation security survey or other locksmith services, contact Mark on:
T: 07851 874999 E: crosskeyslocksmiths1@hotmail.co.uk
Dorset House Coles Avenue, Hamworthy, Poole BH15 4HL
Thinking of moving into a care home? We’re here to help Situated in the heart of the Hamworthy community, Dorset House provides quality residential and dementia care in a home-from-home atmosphere. Whether you’re looking for a short respite stay or a new home, we offer a warm welcome, compassionate care, comfort and peace of mind.
To request a brochure, arrange a visit or find out more, please contact Joan Nickson, the Dorset House manager on
012 02 672427
dorsethouse@care-south.co.uk
www.care-south.co.uk Care South is a leading provider of residential and home care across the south of England.
RESIDENTIAL
|
DEMENTIA
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RESPITE
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NURSING
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Registered Charity No. 1014697
CLOSE CARE
|
HOME CARE
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Do you have a property to sell or let in HAMWORTHY? your local, Hamworthy estate agent have been selling and letting homes here for over 12 years. With an office located on the busy, main Blandford Road (168, opposite the Old First School development) we are ideally placed to market and manage your property, whatever your requirements. Combine our location with extensive property exposure via local media, ‘Rightmove’, ‘Zoopla’ etc, we offer an unrivalled service with, we would like to think, a professional, personal and friendly touch. Our team (Simon, Jenny, Steve, Suzanne or Angela) have had a busy first half of 2014 and urgently need properties for a waiting list of both buyers and tenants.
Why not contact us to see if we can be of service.
01202 681682 info@turnersproperty.co.uk
Lizzy’s Design
Graphic Designer
lizzysdesign
Websites Logos Rebrand Signage Banners
Brochures Flyers Leaflets Posters and more...
Do you want a website or flyer but don’t know how to go about it and worried it will be too expensive? The good news.... We only charge for the time it takes Do you want a logo, business cards, signage? Or maybe a freelance designer to help you in your offices? Have a look at our website www.lizzysdesign.co.uk
Call 07572 288616
or mail@lizzysdesign.co.uk
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These are some of the regular events at Hamworthy Library MONDAY
WEDNESDAY
Computer Buddy:
Coffee & Crafts:
Rhymetime:
Adult Reading Group:
(1:1 computer help for beginners) Mondays 2.00-4.00 Ages: 0-6 Mondays 2.30-3.00
Homework Club: (Hamworthy & Rossmore Library) Term time only Mondays 3.00-4.30
THURSDAY
Rhymetime:
Ages: 0-6 Thursdays 10.30-11.00
Computer Buddy:
(1:1 computer help for beginners) Thursdays 2.00-4.00
(all welcome) Wednesdays 10.00-12.00 Hamworthy Reading Group: 2nd Wednesday of the month 10.30-12.30
Homework Club:
(Hamworthy & Rossmore Library) Term time only Wednesdays 3.00-4.30
FRIDAY
Coffee Morning: (all welcome) Fridays 10.00-11.00
Computer Buddy:
(1:1 computer help for beginners) Fridays 2.00-3.00
Homework Club:
(Hamworthy & Rossmore Library) Term time only Fridays 3.00-4.30
Hamworthy Library Blandford Road, Hamworthy Poole BH15 4BG Tel: 01202 672750 Email: hamworthylibrary@poole.gov.uk
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Improving the way we care for older people Services for older people are being transformed at the Royal Bournemouth Hospital through a combination of staff engagement, strengthened leadership and redesigning how we care for older people. More importantly, it’s the result of patient and carer feedback. We have also been working with Professor David Oliver who is PresidentElect of the British Geriatrics Society. Here are some of the ways we are improving the hospital experience for our older patients: Improving care for patients with dementia Ward 26 has been renovated to improve the environment and quality of care for patients who have dementia. The bays, reception area and facilities have received design changes that make wards less confusing for those with dementia. A communal area has been created with comfortable chairs and a screen showing appropriate images, giving patients the opportunity to socialise. Each bay has a flower theme with distinctive images on the entrance doors, helping to orientate patients back to their own bay and bed.
r developing a compassionate care training programme to improve the staff culture and patient experience. r an older persons’ nurse practitioner is working on ward 3 to support the needs of older people. The ethos of the ward is to provide ongoing transitional care and rehabilitation for medically stable patients, while waiting for intensive support from social and community health services, to support a timely discharge. r JNplemented a specialist training programme to strengthen the skills of our doctors, nurses and therapy workers to manage older people’s needs. We have also: r recruited rehabilitation healthcare assistants to provide interim care in patients’ own homes while they are awaiting long term packages of care. r developed ambulatory (day care or outpatient) care clinics for older people providing rapid access to consultant geriatricians, therapists and nurses. The clinics provide an alternative to being admitted to hospital. r introduced the Quality Mark for Elder Friendly Hospital Wards on all older people wards and the stroke unit, to ensure a continuous focus on the care provided to older people. This is our commitment to achieve high quality of care for all older people. Andrew Williams, Consultant Geriatrician, said “I am extremely proud of the improvements made over recent months. We are beginning to develop services that can be compared against national best practice. I am excited about the future as we aspire to become a centre of excellence for older people’s health care.”
Distinct images help orientate patients back to their own bay Redesigning how we care for older people We are improving how we care for our older patients from admission to discharge. We now have a short stay admissions ward. Patients are supported by designated social workers, discharge planning key workers and experienced therapists. This has been developed through a range of patient feedback forums and strong leadership - critical to providing safe, compassionate care. Other improvements include: r a transitional care ward (ward 3) supporting patients with complex needs to prepare for discharge from hospital back into a community setting
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Willow Lodge Montessori School & Baby Nursery
How the Montessori Approach Differs From Other Early Years Provisions
“
A Montessori early years environment aims to meet the developmental needs of all the children using it, at all times, to ensure that they feel happy and fulfilled. It caters for all aspects of their growth and their individual interests. It is designed to offer the children free choice by giving them opportunities to concentrate without interruption as well as feeling part of the social group.
A
child's Teachers are Montessori qualified and mind is like experienced. Classes are run in such a way a that they promote the children’s freedom parachute … to make spontaneous choices; to be it m ust be fully independent; to complete cycles of work; o p e n to work. to develop a sense of responsibility within the group to use the materials properly and to work on their own or with others as they like. This enables children to become independent, able to do for themselves with freedom to choose their own activity, developing their decision making skills. Children have time to finish what they have started, and at their own pace with the ability to concentrate growing their selfesteem, enabling them to have more consideration for others.
”
Building a Strong Foundation For Your Child’s Future
Willow Lodge Montessori School & Baby Nursery Dorchester Road • Lytchett Minster Poole • Dorset BH16 6JE
Tel: 01202 624573
Email: office@willowlodgeschool.co.uk
tion AComne aloInng avnditpaay 2u62s 45a73visit art on 0120 Call Kara He an appointment ak m to
willowlodgeschool.co.uk
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We need you to help us in any way you can. If you can come to a game and support, that will be great. If you can give us your free time, that will be fantastic. Even if you can only give us your hard earned cash (ÂŁ5 per month) for our hundred club, that will be out of this world. Please help us to keep your local football club alive and kicking!!!! (See adjacent page for more details)
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Our bar opening times are as follows:
Tuesday: 7:30pm — 11pm Thursdays: 7:30pm — 11pm Saturdays: 1pm — 8pm
The clubhouse holds 80-100 people and has parking for 40-50 vehicles, so if you are interested in hiring our facilities then do please contact us on the details below. Hamworthy United Football Club Blandford Close, Hamworthy, Poole, Dorset, BH15 4BF Tel: 01202 674974 Email: hamworthyunitedfc@gmail.com Web: www.hamworthyunitedfc.co.uk Facebook: HUFC2013
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Do you care? Every one of our carers would answer this with a resounding “Yes!” Well we are looking to expand our team to help more people in the local area. If you are interested in finding out more, then contact the office on 01202 280855. No prior care experience is necessary as we provide Our services include: on-going training and support. So if you like meeting • Help with washing, dressing and personal care and interacting with people in a very rewarding career, • Companionship please call us. We would be delighted to talk to you. Hours can be assigned to fit with the rest of your life. We aim to make our service as flexible as possible and can be adjusted as our clients or their loved one’s needs change. We provide care on a short-term or long-term basis, by visiting a few times a week or a number of times a day to assist our clients to retain their independence. Our team members are expected to work with clients, rather than for them and will encourage them to regain their confidence, while also promoting their self-respect and dignity.
• Assistance with meal preparation • Medication reminders • Transportation and errands • Hospital and respite cover • Post operative support
• Assistance with housekeeping
Your Local Equity Release Specialist Scammell Associates LLP
Bruce Scammell
Cert PFS CeMAP partner
Equity Release Adviser Email: bruce@scammellassociates.co.uk
Tel: 01202 685801 Mob: 07850 930301
168 Blandford Road, Hamworthy, Poole, Dorset, BH15 4BH
Are you a homeowner aged over 55? Would you like to release some of the money tied up in your home to provide a cash lump sum or an extra monthly income? Equity Release clients have used their money for many different purposes including the following: • Home improvements • Increasing their retirement income • Funding private medical care • Helping children and grandchildren • Reducing their Inheritance Tax liability An equity release plan will reduce the value of your estate and mayteffect your eligibility to means tested state benefits so expert advice from a fully qualified professional adviser is essential. We offer a free initial meeting either in your own home or at our office in Poole. Please be assured that such a meeting carries no obligation whatsoever and our approach is friendly and relaxed. The best interests of you and your family are always our primary concern.
THIS IS A LIFETIME MORTGAGE. TO UNDERSTAND THE FEATURES AND RISKS, ASK FOR A PERSONALISED ILLUSTRATION. CHECK THAT THIS MORTGAGE WILL MEET YOUR NEEDS IF YOU WANT TO MOVE OR SELL YOUR HOME OR YOU WANT YOUR FAMILY TO INHERIT IT. IF YOU ARE IN ANY DOUBT, SEEK INDEPENDENT ADVICE. THERE MAY BE A FEE FOR MORTGAGE ADVICE. THE PRECISE AMOUNT WILL DEPEND UPON YOUR CIRCUMSTANCES AND WILL BE A FEE OF ONE PERCENT OF THE LOAN AMOUNT WITH A MINIMUM FEE OF £300.
www.scammellassociates.co.uk
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Mr. DeMister
Window Repair Specialists
01 / 07
info@mrdemister.co.uk • www.mrdemister.co.uk
Misty/Foggy Window Repairs • Glass Replacement • Window Locks • Door Locks • Adjustments • Complete New Installations • All Aspects of Window Repairs Including Hinges, Locks, Handles, Gaskets and Drafty Windows
REPAIR DON’T REPLACE!
UP TO 50% CHEAPER THAN REPLACING
10 Year Guarantee
We remove condensation, misting and steaming from inside of double glazing
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Stacey’s
BARBER SHOP
OPENING TIMES
SUN & MON TUESDAY WEDNESDAY THURSDAY FRIDAY SATURDAY -
CLOSED 0900-1730 0900-1730 0900-1800 0900-1800 0830-1400
Note: Last entry 30 mins before closing
Appointments Not Necessary
PRICE LIST
GENTS CUT OAP CUT (Tue-Fri) CHILDS CUT (Up to 14yrs) RE-STYLE WASH & CUT LONG HAIR BEARD TRIM
697 Blandford Road, Upton, Poole
£8.50 £6.50 £7.50 £9.50 £10.00 £9.50 £3.00
Telephone: 01202 624686
“Your one stop shop for
MODEL RAILWAYS!” All marked prices are STILL 10% under RRP! OO and N Gauge railway items & accessories — both new & second hand. Hornby, Bachmann, Farish, Peco, Dapol, Woodland Scenics, Gaugemaster and more… We also now have an online shop at:
www.platformmodelsltd.co.uk ‡‡‡‡‡ FREE PARKING RIGHT OUTSIDE ‡‡‡‡‡
Tel: 01202 798068 Unit 1, 10-12 Alder Hills, Poole, BH12 4AL
DW 2014 90 X 128
28/4/14
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BUILDING REPAIRS & RESTORATION N
INSURANCE
CLAIMS
• General Building • Restorat Restoration tion Electrical • Plumbing • Roofing • Electr rica ca al Plastering • Joinery • Decorating • Plast te eriing
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Wildlife News
Talking about Wildlife...
Celebrate marine wildlife! The world’s oceans cover approximately 70% of the planet’s surface, supporting an amazing array of life, with thousands of different species and habitats. The British coastline is also rich and colourful with habitats from rocky shores to sea grass meadows, teeming with valuable fish stock and species such as basking sharks, dolphins, grey seals and puffins. Here in Dorset we have a spectacular range of marine species; Poole Bay is the home to the rare Couch’s goby, Chesil Beach is inhabited by one of our most glamorous soft-corals, the pink sea fan, and South Dorset hosts an area of mixed seabed habitat, to mention but a few.
Diversity of life is one of the most valuable and fascinating things about the marine environment. Unfortunately, marine wildlife all over the world has come under constant pressure – mainly due to human activities. Overfishing and marine litter are amongst the biggest threats, and it is estimated that 100,000 marine mammals
Barrel Jellyfish by Peter Tinsley
Bottlenose Dolphins by Stewart Canham
and turtles and one million seabirds are killed every year by litter. It is therefore vital that everyone do their part to help safeguard our coastal environment and the marine ecosystems. Small steps such as making sure that household waste and plastic are properly disposed of or recycled, never using the toilet as a bin, and by reducing unnecessary packaging all go a long way. Seashore is a wonderful place to explore at any time, and to celebrate UK’s marine wildlife the Wildlife Trusts are organising the annual National Marine Week, which this year runs from Saturday July 26 to Sunday August 10. Dorset Wildlife Trust is providing a range activities, including dolphin watching, The Big Wild Chesil Event for the whole family, rock pooling and an exhibition on marine giants. For more information on the events during the Marine Week, go to: www.dorsetwildlifetrust.org.uk/events By Niina Silvennoinen
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We will beat any genuine British Gas boiler quote*! • • • • • •
Plumbing Services Gas Safety Inspections Underfloor Heating Bathrooms design, supplied & fitted Cylinders, Immersions & Radiators Boiler Repair, Installation & Servicing optional free 8yr warranty on new boilers
More Than Gas PLUMBING & HEATING SERVICES
Full written quote needed to verify original price
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Tel: 01202 735368 Email: mtg@morethangas.com
www.morethangas.com
119 Penn Hill Avenue, Poole, BH14 9LY
JBM
GARDEN & PROPERTY
SERVICES
We undertake a whole range of gardening and property services including: ,EVH WSJX PERHWGETMRK ,IHKI XVMQQMRK +EVHIR GPIEVERGI 4VIWWYVI [EWLMRK SJ HVMZIW TEXMSW 4EXMSW PEMH &PSGO TEZMRK +EXIW )\XIVMSV TEMRX[SVO %PP X]TIW SJ JIRGMRK VITEMVW
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07854 824487 Email jbmgarden@gmail.com Fully insured. Reliable service. Sensible prices
Adventures of Nellie
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The Adventures of Nellie The Dorset Publications Camper Van Having had a few trips in Nellie now, staying overnight, we realised that for any longer trips we would need more space. We have spent many hours looking at awnings for campervans! All have their pros and cons and in the end we chose the Kombi Ex. It aligns parallel with the van, so when you come out of Nellie you walk into the living space. Behind that are two bedrooms, so they are out of the way and always there, which during the day can be useful for storing things you are not using so the ‘living room’ is fully available. At the front there is a covered area which means if it is slightly raining you can sit under it and still be outside, and you can leave shoes there which again are protected to some degree from the weather. I couldn’t believe it… After all those hours of looking, choosing and finally deciding, we picked up the phone only to be told, “Oh they have stopped producing those now, so we don’t have any!” If you know me, when I get determined, wild horses will not stop me, so after many phone calls we did indeed find a site which had the Kombi Ex in stock. We
Nellie in front of Norden House
Nellie, suited and booted, with Kombi now have what we wanted! Intention. Here’s a photo of Nellie all suited and booted with her new awning. There are so many local places where we can camp near to where we live. It is excellent as it means we can pick Hayden up from school on a Friday and go away for the weekend, arriving at our destination just 30 minutes, if not less, later! This gives us more time to actually enjoy ourselves, and worry much less about the traffic. Norden Farm is great. It is situated just outside of Corfe Castle. There are lots of fields, really good washing facilities, a lovely camp shop which has recently been renovated and has all you would need for a family camp. There is also a farm house and a restaurant. It is perfect. There are peacocks, farm animals and an amazing fishing pond with, we are told, 25 pound carp in it. It is free to fish for campers. I have to say my Dad would love it here. We did go fishing and Stephen did his best with Hayden, but Grandad was sorely missed and we left with no catch much to Hayden’s chagrin. We picked a fantastic weekend for weather. The sun was shining. The plot we had was just right and gave us lots of space for the
23 boys to play. We went along with Martin, a friend of ours and his two boys. Ryan, the eldest friend stayed in the tent with Hayden, whilst Stephen and I had the luxury of Nellie’s bed. Martin was in a tent with Sammy. If you are not used to the delightful sound of birds singing and the countryside sounds of the night, that amazing chorus can turn into an awful, perpetual screech. Unfortunately Martin had this problem and Sammy kept waking up too, so poor Martin did suffer a bit that night. It is a good idea for earplugs… ironically! I love the sounds of the night so didn’t have this problem and the boys in our tent slept very soundly. Saturday was a great day for games. We held our own ‘Norden Olympics’! Actually this was a very clever ploy on my part to sit along the side line and referee, basically giving orders, so that I didn’t have to run around! It must be the teacher in me… I had bought a few outdoor games especially for the occasion. It is surprising these days what you can get, for good value. Hours of fun at very little cost really. We had two teams and the boys ran around all afternoon. I wonder if this is why they ALL slept really well that night? We had a delicious meal at the farmhouse in the evening. Five hungry boys after all that exercise but I am not sure what my excuse was… There is a good variety of food, it is
‘Norden Olympics’ in full swing
The newly refurbished farm shop really well presented and the whole place is very family orientated. Having said that it would also be a lovely place to have a romantic meal for two. Very cosy. There are comfortable settees set in a snug immediately behind the restaurant where you can enjoy an aperitif or an after meal drink. Norden House is also a great location for weddings and parties. It is totally out of the way, so you can party into the wee small hours of the morning. A marquee or two can be erected in the countryside garden and photos would be idyllic. Just call and ask Matthew for details. He will be more than happy to show you around the gardens, the restaurant and the lovely guest house where you can stay. So Nellie was more than happy with her stay at Norden Farm and I know we will definitely visit again. We highly recommend the campsite, the farm shop with its local produce, the restaurant and the guest house. The owners should be very proud. They have grown from strength to strength. For more details about the campsite, contact 01929 480098 or go online to www.nordenfarm.com. For details of the house and restaurant call 01929 480177 or visit www.nordenhouse.com. Where will Nellie go next…? By Debbie Corney whereisnellie
@whereisnellie
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Is your brand protected with a regsitered trade mark? If not - don’t delay! Call Jane on freephone 0800 862 0370 or email jane@trademarkroom.com Aug Specia ust for a free consultation. l Offer G
: et seco nd A trade mark or brand is a sign half pr or*der ice! which can distinguish your goods and services from those of your competitors. You can use your trade mark as a marketing tool so that customers can recognise your products or services.
This offer applies to legal fees only
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L X O Y U E U C E B R A B K T
U W C G Q D P M L D K Z B O O
R S T R A W B E R R I E S R W
M E F Z P R O O S D C X R A E
C G M B U S R M M R X D U N L
G H R O D J M P E R K L E N T
H D B C K I O A W V P S I V N
G Q I H P S M Q L B M W C Q Y
I X C E T T C L E V A R T R T
B U V C S V G M N P W X S N O
B E A C H I J Y U Z N C Q Z V
X R I N V A N G S P Z O Q O A
D M U M P U Y N K B Q L P D S
B D T X U K F C E B R E E Z E
Q E H I F P E U Q T W A S C S
PIMMS TRAVEL BREEZE POSTCARD TENNIS STRAWBERRIES CREAM BARBECUE TOWEL BEACH
This month, the prize is a family portrait gift voucher from Barrett & Coe, so please complete this page by 25th August and send to: August Prize Wordsearch Name: ______________________ The Hamworthy Directory, Address: ______________________ 1 Moorlands Rise, ______________________ West Moors, ______________________ Ferndown, BH22 0JR Telephone: ______________________
Prize Wordsearch
The Hamworthy Directory Prize Wordsearch
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Money Saving Tips
Martin
LEWIS Banking It’s not yet time to hoot the horn in celebration, but There's a bank account price war. They're desperate for switchers - paying cashback on bills, 5% savings, or just bunging you cold hard cash. Yet just 2% of people have switched in the last year. Unless you're 100% happy with your bank, check now if you can gain. The contest has stretched far beyond traditional banks. Even M&S wants to be, well, the M&S of banking. It’s just launched its first fees-free account. In fact so much so, it’s willing to bribe you with a £100 voucher if you switch. So here’s what you need to know about the best fee-free bank accounts…
7-day switching means it's now mostly no hassle. The 7-Day Switching system now moves your direct debits and standing orders, closes your old account and ensures payments made to it get forwarded to your new bank - all set up within seven working days. £100 switching bribes galore. If they’ll pay you to switch, unless there’s a compelling reason, grab the cash. Though you'll need to pass the credit check and genuinely switch to get the money….. The new www.marksandspencer.com account gives £100 on an M&S gift card if you switch, one reward point for every £1 spent at the store, a £100 interestfree overdraft and doesn’t require you to pay a minimum amount each month. While decent for regular M&S shoppers, basic rate taxpayers will need to spend £500/mth there for it to beat Halifax and its bank's service is untested compared to First Direct.
minimum pay-in is low too, at £500/mth (equivalent £6,000 salary). As Kelly tweeted me (@martinslewis) "I'm getting about £18 per month back after my fee - fantastic. £6 just for my mortgage." Switch bank and earn 5% savings. A range of top feefree bank accounts now offer high savings rates as lossleaders to get you to switch to them – such as TSB for up to £2,000 at 5%, for up to £5,000 Lloyds is 4% and for up to £20,000 (see above) Santander is 3%. Slash overdraft costs. An overdraft is a debt like any other. The key is to cut the interest so you can clear it quicker. There are two main choices… - Switch to a 0% overdraft. www.firstdirect.com offers £100 to new joiners and a £250 0% overdraft (min pay-in £1,000/mth). www.nationwide.co.uk FlexDirect account gives a one-year no-fee overdraft (amount depends on credit score) but it only lasts a year. So use that time to clear it. Full info in www.mse.me/overdrafts. - Or shift it to a 0% credit card. A few specialist credit cards offer 'money transfers', where it pays cash to your bank to clear your overdraft, then you owe it instead. The longest is 31mths 0% with a one-off fee of 4% of the amount transferred. It’s hugely powerful and cheap, but needs to be done right, so please see full best buys and instructions at www.moneysavingexpert.com/ moneytransfers Think banks are all b*****ds? Get an ethical account. And it won’t even cost you extra. Here, we factor in both finances and the rating given by Ethical Consumer evaluating behaviour on the environment, human and animal rights, politics and where they invest.
The www.firstdirect.com account has smashed every customer service poll I've done, 92% rate it 'great'. New switchers get paid £100 cash, a £250 0% overdraft and a linked 6% regular saver account. The min monthly pay -in is £1,000, equivalent to paying in a £13,400 plus salary.
Despite its recent scandals, the www.cooperativebank.co.uk is still rated one of its top picks on ethics, it pays £100 to switch to it and donates £25 to one of seven charities.
- The www.halifax.co.uk Reward account gives £100 cash to switchers and pays a flat £5 (after basic rate tax) each month you're in credit. Avoid its costly overdraft though. The min pay-in's £750/mth.
Also try www.nationwide.co.uk, mentioned above, and www.nandp.co.uk, whose debit card allows cheap spending abroad. Or for a real change, find a credit union - a local savings and loan non-profit co-operative, 25 of the 500 offer current accounts. Find one near you www.abcul.org.
Santander wins my ‘most innovative account’ pick. While technically not fee-free - www.santander.co.uk 123 account only charges £2/mth fee and for most this is dwarfed by what it pays back. While Santander was once known for poor service, the 123 account is our second highest-rated, with 75% saying it's great. The
@MoneySavingExpert
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Index of advertisers
Your quick guide to everyone and everything in your Directory... Appliance Repairs Thompson Group Service..........37 Baby Products Baby Doozies............................27 Barbers Stacey’s Barber Shop................18 Bars & Restaurants Banana Wharf.......................... 2 Bathrooms K & B Installations.................... 6 Lifestyle Bathrooms..................16 Bedooms Flair Interiors............................ 2 Beds The Bed Store........................... 3 Blinds, Curtains & Shutters Ashley Blinds............................. 5 Hurst Blinds..............................28 Tuscany Blinds.......................... 7 Block Paving & Macadam T P Sherwood............................28 Builders Concept Building Solutions.......19 Carpets & Flooring Carpet Barn.............................. 3 Chimney Sweeps Oliver Chimney Sweeps.............10 Community News Adventures of Nellie.................22 Dorset Wildlife Trust.................20 Hamworthy Library................... 8 Hamowrthy United FC..............12 Martin Lewis: Banking..............26 Day Nurseries Willow Lodge Montessori.........11 Digger Hire Downton Diggers...................... 5 Drainage Services All Drains Cleared.....................27
Driveways ResinDrives.co.uk......................32 T P Sherwood............................28 Electricians 1st Class Electrical....................10 Estate Agents Turners...................................... 7 Financial Services Scammell Associates................15 Fruit & Veg Deliveries Riverford Home Delivery...........11 Garage Doors Skandoor...................................27 Garage Services M.T.S. Motors............................29 Garden Services JBM Garden & Property Services....21 Jon Stokes Garden Services.......16 RHV........................................... 14
Lofts Loft Services..............................27 Memorial Services The Art Memorial Co................24 Mobile Care Repairs Up 2 Scratch............................. 7 Model Shops Platform Models.......................18 Motoring & Cycling Accessories Motabitz...................................31 Plumbing & Heating Bournemouth Plumbing Solutions....14 J C Gas......................................10 More Than Gas.........................21 P L H Heating............................ 5 Property Maintenance Concept Building Solutions.......19 JBM Garden & Property Services....21 Puzzles & Competitions Prize Wordsearch......................25
Graphic Designers Lizzy’s Design............................ 7
Removals Pitmans Removals & Storage....18
Groundworks Downton Diggers......................15
Residential Care Homes Care South: Dorset House......... 6
Hearing Aid Services Kellear Hearing......................... 5
Swimming Tuition Individuality Swimming............24
Home Care Care South................................ 6 Right At Home..........................14
Trading Standards Borough of Poole......................21
Hospitals Bournemouth & Poole NHS Trusts..... 9 Jobs Right at Home..........................14 Kitchens K & B Installations.................... 6 Locksmiths Cross Keys Locksmiths.............. 6 Poole Key..................................16
Tree Surgeons RHV...........................................14 Turfing & Garden Supplies Sherborne Turf.......................... 1 Venue Hire Hamworthy United FC..............13 Window Repairs Mr Demister.............................17 Windows, Doors & Conservatories Dorset Windows.......................19
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