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    (Original post by ice_dragoness274)
    Haha, the correction of gender is much appreciated
    Well, a lot of pooled candidates may have performed relatively strongly in the X number of tests, they may still not get a place (for whatever reason, e.g. in some colleges the number of places varies a lot from year to year for a subject) . In addition, they have more submitted school essays in their favour, bearing in mind these will probably be of a high calibre given the time to select them, to go in their favour during pooling. Anyway, regardless of the pooling system, surely it would make more sense for Cambridge to have consistent criteria for submission of written work and any tests to be sat, just to ensure candidates are assessed equally (even prior to the pooling stage).

    Thanks bro', and congratulations on (presumably?) receiving an offer from Oxford
    The correction of gender was my pleasure :hat2:
    Hmm, I do think it would be ideal for all candidates to be standardised from the intial selection point, my point was more geared to attempting to dissuade you from any regrets you may have had at not applying to Oxford. I agree that the extra information colleges have about candidates in the pool will usually only aid the candidate (as presumably, you'll have to be good to get into the pool in the first place.)

    I do have an offer from Oxford too, for Law (thank you for the congrats), not PPE, but I think the only test needed for PPE is the TSA?
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    (Original post by Noble.)
    Is there any point opening a student account now though? I've also noticed HSBC do a Gap Year student account, do you know much about that?
    You're an Unconditional offer holder as well aren't you?
    Well, now I know I definitely have a place and where I'm going, I want to get my Student Finance application out of the way, and when applying, you have to state the account you wish all funds to be paid into, so it would make sense for me to do it sooner rather than later, so that I know on the first day of term, I have money in my account (although, it's not really necessary as I have a job.)

    I've read a little about the HSBC Gap Year Account, but it seems to only be good if you're going travelling and have some means of paying back the overdraft (not sure if it's 0%) before uni starts (i.e. either lovely parents or working whilst abroad.) They also offer a credit card with the account (at 16.9 APR) which may be quite good if you want to start accumulating a credit history early, but could be disastrous if you're not strict with your finances. Best thing about the account would be the commission free currency and travellers cheques, but is only really worthwhile if you a) intend on going abroad in the gap year, and b) if you intend on staying there for an extended period of time.

    That would be my thinking on the matter anyway :dontknow:
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    (Original post by Mann18)
    You're an Unconditional offer holder as well aren't you?
    Well, now I know I definitely have a place and where I'm going, I want to get my Student Finance application out of the way, and when applying, you have to state the account you wish all funds to be paid into, so it would make sense for me to do it sooner rather than later, so that I know on the first day of term, I have money in my account (although, it's not really necessary as I have a job.)

    I've read a little about the HSBC Gap Year Account, but it seems to only be good if you're going travelling and have some means of paying back the overdraft (not sure if it's 0%) before uni starts (i.e. either lovely parents or working whilst abroad.) They also offer a credit card with the account (at 16.9 APR) which may be quite good if you want to start accumulating a credit history early, but could be disastrous if you're not strict with your finances. Best thing about the account would be the commission free currency and travellers cheques, but is only really worthwhile if you a) intend on going abroad in the gap year, and b) if you intend on staying there for an extended period of time.

    That would be my thinking on the matter anyway :dontknow:
    Yeah I've got an unconditional offer. Student Finance opens on the 14th February, so do you think it's worth getting a student account sorted out before then?

    Surely if you can open a HSBC Student Account, the HSBC Gap Year Account is rendered pretty useless?

    I might just upgrade my Natwest account to their student one, you seem to have read about this in much more detail, what's the best one to go for?
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    merton college theology
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    (Original post by Noble.)
    Yeah I've got an unconditional offer. Student Finance opens on the 14th February, so do you think it's worth getting a student account sorted out before then?

    Surely if you can open a HSBC Student Account, the HSBC Gap Year Account is rendered pretty useless?

    I might just upgrade my Natwest account to their student one, you seem to have read about this in much more detail, what's the best one to go for?
    I don't think the overdraft part kicks in until you've actually started uni :p:

    Well, it depends entirely what you'd like more.

    I too have a Natwest Account, and I'm torn between upgrading, and going for the Halifax/RBS £3,000 0% overdraft that only starts accumulating interest one year after you've graduated.

    If you want a big overdraft, Halifax/RBS definitely (should note, it's up to £3,000 and you'd have to request for it to be raised.)
    If you want a guaranteed large overdraft, the Co-op actually has the best deal.

    Natwest would be the easiest for us both, as we can both upgrade now, online, and that 1/3 rail card looks pretty tempting, although, it's £30, and thus, I'm going for either Halifax or Co-op.

    I highly recommend: http://www.moneysavingexpert.com/ban...t-bank-account

    And lastly, defintely shop around, some banks have odd little offers that wouldn't appeal to some people, but would be brilliant for others (e.g. if you intend on driving down to Oxford and having your car there and are an extreme snowboarder, HSBC would be good with their free winter sport insurance and 25% off AA insurance.)

    Actually, it appears that the moment you open a Halifax account you get £500 overdraft, not bad.

    (With regard to the "is it worth it?" portion, I would think so, it means we'll be at the front of the queue for getting our SF sorted. I just hope now that actually, you can open an account this early :p: )
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    (Original post by Mann18)
    I don't think the overdraft part kicks in until you've actually started uni :p:

    Well, it depends entirely what you'd like more.

    I too have a Natwest Account, and I'm torn between upgrading, and going for the Halifax/RBS £3,000 0% overdraft that only starts accumulating interest one year after you've graduated.

    If you want a big overdraft, Halifax/RBS definitely (should note, it's up to £3,000 and you'd have to request for it to be raised.)
    If you want a guaranteed large overdraft, the Co-op actually has the best deal.

    Natwest would be the easiest for us both, as we can both upgrade now, online, and that 1/3 rail card looks pretty tempting, although, it's £30, and thus, I'm going for either Halifax or Co-op.

    I highly recommend: http://www.moneysavingexpert.com/ban...t-bank-account

    And lastly, defintely shop around, some banks have odd little offers that wouldn't appeal to some people, but would be brilliant for others (e.g. if you intend on driving down to Oxford and having your car there and are an extreme snowboarder, HSBC would be good with their free winter sport insurance and 25% off AA insurance.)

    Actually, it appears that the moment you open a Halifax account you get £500 overdraft, not bad.

    (With regard to the "is it worth it?" portion, I would think so, it means we'll be at the front of the queue for getting our SF sorted. I just hope now that actually, you can open an account this early :p: )
    Yeah, I did look at MSE's website the other day, and saw Halifax/Co-op being plugged as the two best. Yeah, to get the Co-op's overdraft you have to credit the account with £300, so the Halifax's account does look quite enticing if you can get an overdraft now. So, if you were to get the Halifax account, and use the overdraft already... exactly when would you need to start paying back the overdraft to not incur charges/interest?

    Also, didn't realise you had to pay for the Natwest student account, I'm not that interested in the rail-card.
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    Call me ignorant, but I don't know much about bank accounts etc. Is there anything to stop someone from opening several student bank accounts and getting the perks that come with all of them, and then only really using one of them?
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    (Original post by LtCommanderData)
    Call me ignorant, but I don't know much about bank accounts etc. Is there anything to stop someone from opening several student bank accounts and getting the perks that come with all of them, and then only really using one of them?
    A lot of them now force you to have Student Finance pay your loan into that account, which pretty much prevents you from opening more than one.
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    (Original post by Noble.)
    Yeah, I did look at MSE's website the other day, and saw Halifax/Co-op being plugged as the two best. Yeah, to get the Co-op's overdraft you have to credit the account with £300, so the Halifax's account does look quite enticing if you can get an overdraft now. So, if you were to get the Halifax account, and use the overdraft already... exactly when would you need to start paying back the overdraft to not incur charges/interest?

    Also, didn't realise you had to pay for the Natwest student account, I'm not that interested in the rail-card.
    But, you'll have less hassle with the Natwest account, being able to increase the overdraft online if it retains the facility it had last year. But I agree, I'm not going for Natwest either.

    With regard to the question of when you'd have to pay the overdraft back, it says on their website, it's at 0% for up to 5 years PLUS one extra year after you graduate (so that would cover a masters I think, but I would definitely ask when opening the account/ go ask in branch.)

    The rail card won't be that useful for many people, especially as we have to completely gut our rooms each term which will require parental assistance in the form of transport, so oddly, the only people it will really benefit are people who live quite close to Oxford (because I don't think I'll be taking a 3/4 hour journey back home to see my family all too often.)
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    (Original post by Mann18)
    But, you'll have less hassle with the Natwest account, being able to increase the overdraft online if it retains the facility it had last year. But I agree, I'm not going for Natwest either.

    With regard to the question of when you'd have to pay the overdraft back, it says on their website, it's at 0% for up to 5 years PLUS one extra year after you graduate (so that would cover a masters I think, but I would definitely ask when opening the account/ go ask in branch.)

    The rail card won't be that useful for many people, especially as we have to completely gut our rooms each term which will require parental assistance in the form of transport, so oddly, the only people it will really benefit are people who live quite close to Oxford (because I don't think I'll be taking a 3/4 hour journey back home to see my family all too often.)
    I'm fairly sure I'll go for the Halifax account then, although I have a feeling we won't be able to open it now, because that'd mean we'd get quite a bit more time with the 0% overdraft.
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    (Original post by Noble.)
    I'm fairly sure I'll go for the Halifax account then, although I have a feeling we won't be able to open it now, because that'd mean we'd get quite a bit more time with the 0% overdraft.
    I'm not so sure we wouldn't be able to open it now, but have it capped at £500 maximum.

    I'll call my local branch the next opportunity I have and find out, relay what they say back.
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    (Original post by Mann18)
    I'm not so sure we wouldn't be able to open it now, but have it capped at £500 maximum.

    I'll call my local branch the next opportunity I have and find out, relay what they say back.
    Do you need an Unconditional to do this?
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    (Original post by micky022)
    Do you need an Unconditional to do this?
    Yeah. That's why most people need to wait until after results day to open their account
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    (Original post by Junaid khan)
    hi, are my GCSEs good enough...? (i didn't work at GCSE)
    Maths - A
    Additional Science - A
    Science B - B
    I.C.T - B
    English - C
    Citizenship - C
    DT Graphics - C
    English Lit. - D
    Business Studies - D
    French - D
    History - F

    BTW i'm currently studying 5 AS-levels solidly...
    Further Maths
    Physics
    Chemistry
    Economics
    Maths

    Wanna do physics at Oxford, wht shud i do? any advise
    Firstly you should have posted in this thread - Are my GCSE/AS grades good enough for Oxbridge?
    Secondly, no way. No chance - and that's your fault.
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    (Original post by Junaid khan)
    hi, are my GCSEs good enough...? (i didn't work at GCSE)
    Maths - A
    Additional Science - A
    Science B - B
    I.C.T - B
    English - C
    Citizenship - C
    DT Graphics - C
    English Lit. - D
    Business Studies - D
    French - D
    History - F

    BTW i'm currently studying 5 AS-levels solidly...
    Further Maths
    Physics
    Chemistry
    Economics
    Maths

    Wanna do physics at Oxford, wht shud i do? any advise
    JAR12 is correct to say you're in the wrong thread. The "no way. No chance" may perhaps be a little harsh though IMO. I can understand Jar's POV, because we have worked hard to get our offers and you are where you are because you say you haven't. But if I were you the plan now would be to get excellent AS results, then A* (Phys) AA minimum at A2 (this would prob'ly mean taking a gap year, as I don't think that predicted A2's would save you). You will then need a superb PAT result, plus a convincing narrative for what happened to you at GCSE time and what has changed since. This may be enough for you to be considered. It's a tall order.
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    (Original post by Junaid khan)
    hi, are my GCSEs good enough...? (i didn't work at GCSE)
    Maths - A
    Additional Science - A
    Science B - B
    I.C.T - B
    English - C
    Citizenship - C
    DT Graphics - C
    English Lit. - D
    Business Studies - D
    French - D
    History - F

    BTW i'm currently studying 5 AS-levels solidly...
    Further Maths
    Physics
    Chemistry
    Economics
    Maths

    Wanna do physics at Oxford, wht shud i do? any advise
    Yeah like everyone else said wrong thread.

    Also, if you want to do physics then you really don't need economics. It'll probably just draw time away from the more important 3 (Maths, F.maths and physics)
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    (Original post by micky022)
    Do you need an Unconditional to do this?
    As far as I'm aware, yes.
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    (Original post by Noble.)
    Yeah, I did look at MSE's website the other day, and saw Halifax/Co-op being plugged as the two best.

    (Original post by Noble.)
    I'm fairly sure I'll go for the Halifax account then, although I have a feeling we won't be able to open it now, because that'd mean we'd get quite a bit more time with the 0% overdraft.
    I was going to go with Co-op cause I figured I couldn't be bothered to negotiate a higher one if it came to it (I pretty much made all my choices off MSE and all ). Is it right to assume they're both going to have branches in the high street/ there's no advantage in convenience to one or the other?

    I guess I should look up how good they are for internet banking and everything as well.
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    (Original post by SuperPatchKid)
    I was going to go with Co-op cause I figured I couldn't be bothered to negotiate a higher one if it came to it (I pretty much made all my choices off MSE and all ). Is it right to assume they're both going to have branches in the high street/ there's no advantage in convenience to one or the other?

    I guess I should look up how good they are for internet banking and everything as well.
    I got put off by the Co-Op one because of the branches. The closest one to me is in the high street, which is a real pain for parking, and in Oxford it's relatively close to the train station, which while only 1 mile from my college, it's quite far in Oxford terms :lol:
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    (Original post by Noble.)
    I got put off by the Co-Op one because of the branches. The closest one to me is in the high street, which is a real pain for parking, and in Oxford it's relatively close to the train station, which while only 1 mile from my college, it's quite far in Oxford terms :lol:
    Ah okay thank you - definitely something to consider then.

    I'll be at St Hugh's so I guess I'll see if I can find one that'll be on my normal route into town/lectures. High street one could be an option - I guess it's not an urgent thing so I'll hold off till I have a chance to nose around Oxford a bit more.

    Oh what I'll do to minimise effort in the future.
 
 
 
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