QUOTE(Muskoka @ Oct 24 2007, 08:44 PM)

Received letter from Saga - increased their rate to 6.3% for the old fogies (that's me!)

I'm not a old fogie yet , but you might like to know Saga are just a front for HBOS ........
http://www.saga.co.uk/finance/spf/home_fixed_rates.asp .........
QUOTE
The deposit taker for the Saga Fixed Rate Savings Account is Birmingham Midshires, a division of Bank of Scotland plc, which is authorised for accepting deposits by the Financial Services Authority.
Birmingham Midshires > Bank of Scotland & Halifax =HBOS .
As well as using Saga HBOS also using the AA & Sainsburys , obviously desperatly trying to build their cash reserves , all paying 6.25/6.3 %