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Locked out of Chip app
I've had to click on the forgotten PIN button, as I got paint on my hands so my fingerprint wouldn't scan, then put in the wrong PIN. How long until they respond? I got an email asking for my email and mobile number. Then nothing, for 3 hours...
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Tax payable on interest from savings
I will have to pay tax on interest from my savings. Should I transfer money from this account into an ISA or use money from an account which does not earn any interest,
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Customer Service for Banks (e.g. Cynergy)
I think need to look harder at customer service and ease of use before recommending a banking/saving provider. I recently set up an ISA with Cynergy, good rate but very poor service. * One two occasions firstly 40 minutes then 30 minutes for them to answer the phone. * Offshore staff struggled to understand me (Northerner)…
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Assisting with tax through gov gateway
I have helped my elderly mother register an online tax account and she has requested me to be able to help her with her tax affairs via the online service. I have received an email from HMRC informing me of the request but when I log in to my own account I can’t find any messages or links to actually accept the request.…
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Crypto Currency ??
I understand what crypto currency is - its a "virtual" currency But I can't understand how people can make a fortune / loss investing in itand what is the equivalent in £'s or $'s to "mining" ?is it "printing your own currency ? Could someone explain to me in simple terms ?
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Finding shares
I keep getting shareholder information for AXA and vaguely remember that employees were to be given shares. I can find no information from that employment and am having difficulty in finding contact information to see if I am on their shareholder roll. Very new to all this any help would be appreciated.
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Inheritance
I found out recently that I am going to inherit some money from a family member, when I say 'some money' the amount is £70,000 I am 41 and a basic rate tax payer with a mortgage that has 19 years left. I did think about sending some to the mortgage but the rate on that is 3.94% and I have a savings account that is…
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Personal Injury Trust - Skipton
Wondering if anyone has any advice on this. My mum received a lump sum of compensation from a Personal Injury claim. She receives benefits so was advised to put this money into a Personal Injury Trust so it wouldn't affect her benefits. She done this with Skipton. My mum lives at home with her partner and the house is…
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Confirmation of payee not used by some banks and building soceites
I am often concerned when I set up a bank transfer to an account with a building soceity to find that there is no confirmation of payee. It seems not all financial institutions have signed up to the scheme. Coventry Busilding Soceity and Yorkshire Building Soceity are two i know of who are not part of the scheme. Is anyone…
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Retirement income
Married man age 54 planning on retiring at 55. Disabled older wife on state pension only. Mortgage paid off. Is a retirement pot of £750,000 enough and the investment question is should I take out the 25% tax free lump sum and invest it somewhere. My pot is not doing too good at the moment.
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Isa transfer in…will it have the same end date as fixed?
Good morning. I am considering a 3 year fixed term isa which allows transfers in a ‘anytime’ ‘A’ I have two other isa’s ‘maturing’ in 1 year, and 2 years time. ‘B’ and ‘C’ if i were to transfer in b and c on maturity into ‘a’, would they then run to the end of ‘a’s term please? Thankyou.
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University fees and savings
Hi, my children and I (ages 49, 16 and 12) received inheritance last year and we have put it into savings for my eventual retirement and for the children to be able to get onto the property ladder. My question is will these savings effect university grants and loans?
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lower risk funds - and/or stop loss?
Probably a dumb question - and I'm certainly a beginner where it comes to funds - but I'll be looking to add more cash to my ISA's... (or near cash equivalents) in the next month, and I'm wondering if there is an alternative to cash that would beat an "easy access ISA"? I've looked at Royal London Short Term Money Market Y…
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Moneybox cash isa
I opened a cash ISA with Moneybox just before the new financial year but the interest is not protected by the FSCS until it’s paid out on my one year anniversary. Moneybox say they'd be liable if they went under but will they or the FSCS cover the rest of the funds which are sitting the holding banks? If they go under they…
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Post Office Online Saver
I have just opened this account using the link from the MSE page. My existing Post Office account didn't recognise it so I rang Post Office to seek help. They have never heard of the Online Saver 72. Is this some sort of scam?
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Junior SIPP and carry forward rules
Himy 4 year old has a junior sipp (opened Nov 2020) and he regularly gets £100 deposited each month since 2020. I'd like to make a contribution of £3600 today, can he use the unused amount from the last 3 years as a 'carry forward' so that all his 2024 deposits get tax relief and the additional 25% from government? eg.2021…
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The Top Easy Access Savings Discussion Area
This thread is specifically to discuss the Easy Access Savings article Which includes the new free Savings Calculator tool. To discuss or ask a question about this article: click reply
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Where to invest Child Trust Fund after withdrawing ?
My daughter is 18 and has withdrawn her child trust fund of £10k. She has put it into an HSBC Online Bonus Saver account for now so she can get access to it, but she wants to invest it for the future. I have no experience with savings accounts, so I am seeking guidance on where she can invest her money. I thought she would…
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UK STRIPS - how to calculate the correct price / return
I've seen a UK STRIP priced at £92.80 and maturing in March next year. To my novice eye, this would appear to offer an 7.2% return in under a year, which I appreciate can't be correct. The website says: Index linked gilts are bought and sold at an 'inflation adjusted price'. If you own an index linked gilt issued after…
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Top Easy Access acs Ranked: Top of The Pots - **No Chat**
I've had a few suggestions/requests to start a separate 'No Chat' thread, as the ToTP list gets drowned in 'chat' in the 'Top EA discussion' thread. The aim is to maintain an easy-to-find ranked list of the c.Top 10 available to open & manage online Easy Access accounts, with links. The purpose of this thread is to ONLY…