-
Capital used as no interest is this legal?
Hi My poor Mum has just discovered that 60k shes put in a Pearl insurance policy (capital protected) that was paying her the interest has been taking the £3000 paid to herself from the capital as there was no interest made to be paid out. My question is - is this legal - can they do that and not tell her? Shes not happy…
-
Hi - New to forums and need help!
Hi Guys, Am I right in thinking that I am not the only one totally confused by all the different savings accounts and cash Isa's out there? lol. I currently have £360.66 in the HSBC Flexi Saver paying a crappy 0.04% per month and I pay in £25 every month. (this was previously in one of those 8% before and 6.4% after tax…
-
Investec high 5 - £50 referral fee!
Am just about to open an account with Investec and on the application form £50 is available to an existing account holder if we've been referred by them. Any forum member wish to refer us? PM me with your full name and post code if you do - nothing more personal required. First to respond wins! :D
-
Instant Access Best Value
:confused: This is my first post and you experienced moneysaving experts are going to laugh out loud at the unbelievable naivety of a woman in her 50s so here goes.....:rotfl: The balance of my current account is too high to attract the best interest so I want to open a new account. I've read all Martin's info on instant…
-
Advice on moving money around!
Hi, I am looking for some advice about where to keep my money for few months.... I have £1450 saved in Halifax's 10% Reg Saver account, that is due to finish at the end of June 2009. I have 2 more payments to put in, which will take the total (minus interest) to £1850. The course itself is very slightly more, and i can…
-
Complaint
I had to file a complaint through the FOS so that they can refer it to a bank which has provided me with bad service and after searching for a long time I could not find the details for complaints all the bank website said was I had to request it. How long before the Ombudsman forwards my complaint? What happened was that…
-
30 day notice savings account
Hi I am aware that these exist, but the ones I have looked at have the 30 day notice rule, but you can still make a withdrawal without notice, but you will lose 30 days of interest. I would be too tempted to take the money out even if I'd lose interest so was wondering are there any savings accounts that don't let you…
-
Savings Accounts for Expatriates
We have recently moved to France with my job and we are looking for UK savings accounts that can be run whilst living in France (and a French Tax Resident). Trying to get information on the financial institutions that will allow us to keep money in the UK whilst living abroad is not easy. Does anyone have a good website…
-
Your Investment portfolio's - up or down?
Mine is spread across the following:- UK equities, Global equities, UK Corporate bonds, Hedge funds and structured products. Went from cash to Investments last December. So far the value of my portfolio is up just over 2%. How are yours structured and performing
-
Post Office and Bank of Ireland to launch current account
I wonder who will use this account, given the fact that the money will not be covered by the FSCS and the possibility (small, but not impossible) of the Irish government going bust? Post Office and BoI to launch current account http://www.mailonsunday.co.uk/money/article-1173535/Post-Office-BoI-launch-current-account.html
-
From the Times: Northern Rock to be sold by end of year
http://business.timesonline.co.uk/tol/business/industry_sectors/banking_and_finance/article6169327.ece Some highlights of the article: NORTHERN ROCK is to be sold off by the end of the year under a fast-track government plan to start clawing back some of the hundreds of billions of pounds of taxpayers’ money ploughed into…
-
A & L made me take life cover toget savings acc
My aunt asked me to look over all her investments because she thought she was losing money. Needless to say she was! But one thing interested me most was an account she has with Alliance and Leicester. She saw some where that they were offering a 12% interest savings account. When she called to get this account she was…
-
Multiple Isa Query
I opened the following ISAs in these years 2007-2008 - Barclays ISA 2008-2009 - Lloyds TSB 2009-2010 - Barclays Golden ISA But, I paid in as follows (bit of confusion with the bank!) 2007-2008 - £3000 into Barclays ISA 2008-2009 - £600 into Barclays ISA 2009-2010 - £3600 in Barclays Golden ISA So, at the moment, I have not…
-
Alliance & Leicester ISA Interest Query
Hi All, Sorry if this is posted in the incorrect place A friend of mine has an A&L Easy ISA which he opened 01/09/08. He paid £200 into the account upon opening. He next paid in £2000 which cleared into the account 29/12/08, prior to the interest cut of date which is 1st January. Today he has subsequently checked the…
-
hsbc savings account 8% interest
Thought I'd pass it on, asked if they could offer a savings or isa account and they offered me this one. You pay in between £25 and £250 a month and if you take no withdrawls for the year, you get 8% interest. :T:T Hope it helps, you do have to have an account already with hsbc. Happy saving!!
-
Over 50's - will you take out an ISA now or delay until October
I've just read that Banks and building societies may bring in “two-tier” rates from October – when the increase takes effect for the over-50s – for savers adding to cash Isas they have already taken out this tax year. “Isa managers are very unlikely to offer higher rates on top-ups,” said Kevin Mountford, head of savings…
-
Swopped your RBS bonds yet ?
RBS reveals a £4.5bn boost from bond deals Published Date: 25 April 2009 By Peter MacMahon and Scott Reid ROYAL Bank of Scotland's flagging finances have received a £4.5 billion boost after the group profited from a bond buyback programme. The part-nationalised bank will book the gain in its first-half results, due out on…
-
AXA Sunlife Cashbuilder should i cash it in?
I have paid about £18,000 into the cashbuilder and i am 9 years into the policy with 6 years to go having paid Year1 £100 a month Year2 £120 Year3 £140 year4 £160 Year5 £180 Year 6 onwards £200 so i work out i have paid in over £18,000 read lots of other posts but has anyone cashed theirs in or anyone prepared to wait till…
-
Best Child Trust Fund I can open from abroad?
deleted...
-
Two Simple Questions Please
Apologies for these simple questions - appreciate any help. 1. I understand if one takes out an isa the income generated after year 1 is tax free. If you do not take out a second isa in year 2 but leave the original investment where it is, what happens in years 2, 3, 4, etc in terms of 'tax free'. Do you have to pay tax in…
