-
My Community Bank savings question
My Community Bank savings account has recently matured and its automatically transferred to a Castle Community Bank account. I am trying to withdraw the money from this new account as the interest rate is much lower, but for the life of me I can’t find a way to withdraw my money! There are no options. I’m being thick but…
-
IG February cashback offer
Hi, carefully followed all the criteria for the advertised offer back in February to gain up to £200 cash back but can’t see anything in my account yet. Has anyone had this ?
-
Capital Gains Tax for a UK non-tax payer
I have found references within MSE and AI on google to the effect that a UK non tax payer would have up to £12,570 total income + capital Gains before having to pay any CGT over and above their £3k personal CG allowance. i.e. if my pension is £6kpa and my capital gains from selling shares is £4k, both MSE and Google AI say…
-
Take masters loan and save, or pay for masters?
Hello All, Hopefully this is the right forum for this question. I’m looking for advice on whether to take the postgraduate student loan in the UK or not. Some context - I’m as working professional in London looking to study a part-time masters which costs £8,500. On average (outside of the pandemic) I can manage to save…
-
Are your weekend Faster Payments giving the banks an interest free loan? WARNING THIS IS BALONEY!
Never too late to learn I suppose. I always avoided standing orders to fund regular savers as I understood that the payment if paid on the weekend did not arrive until the next bank working day usually Monday. Whereas if I manually made a FP or internal transfer on a weekend it arrived in the destination account that day…
-
Does anyone have any experience of inheriting a Holiday Property Bond?
Hi, I was hoping to hear some experiences from anybody who has inherited an HPB please. A family member wants to add me as an additional life assured person, and I've been sent a form to fill in with my details - including medical details which I find a little bizarre, but guessing this is a standard part of life…
-
SIPP Portfolio Advice needed please
I am 66 years old, wife is 64 years old, we are both retired I am on full state pension, and have a small private pension Wife won't qualify for state pension until 2029 She also has small private pension. We have joint savings of around £200,000 I plan to draw £15,000 from the above savings over next 2 years to supplement…
-
Saga Savings difficulty transferring funds
Just wondering if anyone has had the same issue as I have with the new 4.5% Saga savings account. I opened the account on 16th July, linked my Lloyds current account and attempted to transfer funds into the new Saga account. The shutters came straight down at Lloyds who stopped the payment and asked that I contact their…
-
Another "offer" from Litani for my Sunlife shares
I'm not sure if its just me, but I am being inundated with so called offers for my Sunlife shares. The deal is so bad-about 40% less than their value. I realise that I can just throw these in the bin, but it almost seems like theft that someone will sign up to this. Its the fourth letter I've had now. I assume as there's…
-
Fundsmith again.
I've held Fundsmith for many years and it did very well for me. I sold out of the ISA a some years ago for better options because no sell liabilities, and have slowly brought down the GIA amount in CGT exemption steps. In the days of 12.3k exemptions this was pretty easy, but now with 3k it is more difficult. I've never…
-
Great British Invest off or Passive V Active Updates
For those who are curious to compare their Passive or Active investment strategies I'm starting a new thread today with monthly updates (Bottom lines only in £). For details see https://forums.moneysavingexpert.com/discussion/5719517/great-british-invest-off-or-passive-v-active-discussion Monthly updates on portfolio…
-
Problem taking money out of InvestEngine
I have a very small amount of money with InvestEngine having taken up a MSE-recommended special offer, and now I want to take it out. In order to get into my portfolio it asks me to confirm my information is correct, and then it asks me to retake a questionnaire to check if my needs are still being met. Whatever answers I…
-
Savings help
My wife makes around £35 interest on savings right now but it’s quite low. I make as little as 10 pound. Is it right the best way is to open a fixed rate for my ten and pay interest monthly. With my wife is it okay she opens a 20k isa and puts rest in a fixed account? Again interest paid monthly so she can transfer it out?…
-
MSE News: Government-backed NS&I's new fixed-rate savings pay up to 4.75% interest
NS&I has launched new fixed-rate savings accounts that let you lock in good rates for one to five years with total safety, as NS&I is backed by the Treasury. They're worth looking at if you're keen to save with a big name and won't need access to your savings – though you can earn a bit more from the top payers elsewhere……
-
Chorley BS changing my account number
I'd normal post in the Top Regular Saver thread but it's more of a chat thread these days and useful info just gets lost. I have a Regular Saver and received a snail mail letter informing me that my account number was changing wef 3 August. I think this is due to my account number ending in "X" but I'm guessing tbh.…
-
Tandem ISA
I have a tandem savings account where you can set up pots for fixed term savings from it. Does anyone know if the ISA works the same way?
-
Litani - Warning : Unscrupulous Offer for Aviva Shares
My wife owns some Aviva shares. Out of the blue she received an offer to buy these shares at a price of £5.30 from a firm called Litani LLC, based in the USA. There's a big problem with the offer, namely that the shares are actually worth around £7 each at the moment. So, nobody ought to accept the offer. It's not exactly…
-
Trading212 advice
I’m a complete novice when it comes to investing. I’ve just opened an a/c with the above (a very modest amount). What I’m unsure about is this: On the home page, i the top L/H corner, it shows the amount deposited; there is also lots of various data. Do I have to do anything else (ie pick certain companies) or do I just…
-
Payment for Compulsorily Purchased IDS (Royal Mail) Shares
Just wondering if anyone else here is having the same problem with Equiniti and IDS Shares that I am? My late mother held shares in IDS (Royal Mail). I am the executor for her estate. She did not accept the EP UK BidCo offer to acquire the shares. EP UK BidCo exceeded the 90% threshold required for compulsory purchase on…
-
Carnival shares, transfer to NYSE - complications?
Today I've been informed that the proposed transfer of my Carnival plc shares to the US market, as a result of the abandoning of the UK entity in favour of the US entity, will not now take place — because it's going to cost (Carnival Corp) too much! Apparently I can still transfer the shares to the NYSE, but this will cost…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
21.9K discussions
168.9K comments
Most recent: Cash ISA + Cash Lifetime ISA … by eskbanker
12 August at 4:54PM
