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Santander remove OD bacuse I don't use it!
I first opened my current account with Santander in 2007 and was given a 1000 overdraft. Then they reduced it to 800 in 2010 and then to 400 in 2011 and now they will remove it totally in March 2013. I was firstly told that I couldn't increase my overdraft because I didn't have a mortgage with them, then in October I tried…
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How to find next divident to be paid
I have shares as certificate and I got dividend paid twice last year. It is possible to find is there is a date when next dividend is going to be paid? Also once I transferred my shares to a online account with a broker I suppose I should still continue to get dividend?
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What to do with £15000?
Hi, Ive just recently received £15290 in my nans will and would like some advice on how to get the most out of my money. I don't have a mortgage or any debts except student loan and a hundred on a credit card. I'm still at uni for two more years so would ideally like to put it towards a mortgage after that. Ive applied for…
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Banks missing from best 2 year savings
I noticed this: http://www.moneysavingexpert.com/savings/savings-accounts-best-interest#bestbuys And then I realised that I have two ftd's at the IBB, which are targeted at 3.75% profit rates for one of them and 3% for the other. Currently, they're targeting 2.8% for their 2 year FTD's BLME is also better or at the same…
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Tax credits/isa
Does anyone have any idea if you can deduct isa savings from yearly income so for example: Salary £25,000 - £5000 into isa account = £20,000 income put on tax credits form? Thanks for any info.
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£50,000 to Invest
Hello all, Bit of advice please, I'm in my late 40's, looking to retire at 55, I have a reasonable pension pot, and own a couple of properties which are paid for. I have just inherited £50k which I'm looking to invest for maybe 5 or 10 years, at which time I would then use to supplemenmt my retirement income, what do folks…
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Newbie guide to selling shares
Hi everyone and apologies for asking a question which has most likely been asked a million times already but I've tried searching for through previous threads and can't find the exact info I'm after. Basically I used to work for a company who gave me a certain amount of shares and ever since I've left I've received the odd…
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Saving for 1st home
Hi all, We're looking for some suggestions on how best to save/invest around £20k which we're planning on putting towards a deposit for our first home in the not-so-distant future (18 months). Have been looking at fixed accounts, but was wondering if there is anything that will get a better return? Thanks in advance :)
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Best account for mother
Hi My friend has about £5000 to lock away in a cash account for 1-2 years. What accounts do you recommend for this? thanks
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Investor Says He Is Not Liable after Selling His Company
18 months ago I invested £30,000 with a property refurbishment company. The money was spent towards renovating two properties which are now rented out, and I was promised a £40,000 return I have received nothing. The company I invested in has now been sold, and subsequently closed down. The original owner says he is not…
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"Dead" Scottish & Newacstle shares
Firstly, sorry if I have posted this in the wrong place. I have just come across a share certificate in my name for a number of shares in Scottish & Newcastle, which was taken over by Heineken in 2008. I had completely forgotten about these - they were part of an employee profit sharing scheme and have been in my name…
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Halifax fiver terms & conditions
Got a letter this weekend saying that to get the £5 on the Halifax reward account it must now be your MAIN account, e.g. salary paid in etc. It is NOT my main account, however I DO swipe £1000 in and then out every month to get the £5. Conditions seem to be: -Needs to be your 'main account' with £750 in every month. -Need…
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Newbie ISA question
Apologies for posing such a basic question. Scenario: [*] Let's say I put the max allowed in an ISA now, i.e. this tax year - this ISA has a bonus that will disappear in a year's time and revert to a rubbish rate. [*] Let's say I open a fresh ISA on April 6, i.e. next tax year. [*] Am I then able, this time next year to…
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First Direct Regular Saver
Just opened one of these, apparently the interest rates are being updated in February, it may go up but most likely it will not, so if you're thinking of opening one, might be time to do it.
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Sale of Property Money advise please... Moved from House Buying +
We hope to buy a property at the same time as we sell, but if we do not manage this, we would have to rent for a few months (if we could find a place that would take us and our dog) Therefore we would like to ask if anyone could tell us where would be the safest place to invest the 'sale money' temporarily, but still be…
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Variable ISA rates question
Hi, If I was to start a Variable ISA(e.g 2.8%) can this go up or down anytime over the next 12months or would a fixed rate be a better option. Also are the rates likely to change before April 6th or keep going down?. I know this is really a how long is a piece of string question. I will be grateful for any information…
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Joint Savings Account
My girlfriend and I were interested in opening a joint savings account and I wanted to know which one is the best bank to open it in?
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Transferring £20k in one lump
I have around £20k in a Derbyshire Savings account. The rate is set to drop to 1.00% on 1st Feb. I was looking to transfer the whole whack out on 1st Feb, but i remember my uncle telling me when he was wanting to transfer money (25k), he had to do 2x10k & 1x5k over the course of 3 days as there was a 10k limit. This wasn't…
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What to do with £200k?
Hi All, i have £200k in a Santander eSaver Issue 4 returning 3% AER, i am low rate tax payer and the eSaver is coming to an end at the end of this month. I have an S&S ISA which i max out every year with a mixture of funds which i am happy with. My mortgage, which is low - is covered by other investments - so i don't need…
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can anyone help
my daughter has just turned 18 and i was waiting for a letter to come about claiming her trust fund that was set up when she was born [GOVERNMENT ONE ] 1994 Away it hasnt come and ive had a horrible thought that when we moved 12 years ago i may not of changed my address . I cant find any old letters so dont know who to…