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FOS process query
Anyone complaining about a bank (in particular) the Financial Ombudsman Service (FOS) may find that it is speedily thrown back at them under the notorious rule 'DISP 3.3' ("Dismissal without consideration of the merits and test cases ") and in particualar rule 3.3.4 (3) that: "the complaint clearly does not have any…
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What % of wage
Hi, How much should you aim to save a month, as in % of wages? Thanks
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share dealing advice needed
Hi, im new to this forum and looking for a bit of advice, i'm totally new to savings and investments and im looking to start putting a small amount into shares. initially looking to invest around £50-£100 per month but really havent got a clue as to what my best options are. been looking at halifax sharebuilder as thats…
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introductory bonuses and Egg
I'd like to find out more about how introductory bonuses work and what is their purpose. Are they solely to entice you in the door and then hope you forget to move your money again when it expires? I am looking at the Egg Savings Account 2 - an instant access account which pays 2.8% of which 2.3% is an introductory bonus…
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CGT & Shares
I have some shares purchased in the last tax year and I am looking to sell this year, my original investment has increased dramatically and takes it past my £10k CGT allowance on profit I've made. I've been reading up a bit on CGT and shares but I'm a complete novice but think I have found a way round paying CGT on such a…
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£100,000 to invest to supplement monthly income where should i put it?
I have up to £100,000 that I want to invest, NO RISK, that will provide me with a monthly income. what is best savings or bonds. which bank has best interest rates.
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Investing in Iraq - The Mesopotamia Fund
Any ideas on how I can do this would be most welcome.
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Change of address. Is it me??!
I wrote to Standard Life advising them of my change of address. Today I received a letter from them, saying they have amended their records and for security have written to me at my new address. If I had 'not asked for this change, please contact them immediately'. Erm..... If I had been Burglar Bill, I'm not going to…
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Regular Savings Calculator
My wife's Halifax regular saver is coming to an end soon. She became a non-tax-payer part way through the year and Halifax has already added some interest to her account. She has saved various monthly amounts through the year. Has anyone got a magic spreadsheet please, so that I can confirm the Halifax's calculations.…
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Short-term investment of large amount
Hi, We have a 1 bed flat which is currently on the market. This is a 2nd property which we rent out. Hopefully, we will get around £60K once fees etc are paid, and we will then be looking for a larger property to invest in, but for the short term we will need to put the money somewhere with easy, penalty free access for…
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15k to put away..where?
I am self employed, regular tax band, only debt is mortgage,no financial worries. Have a small BTL portfolio, I have up to 15k to put away which i can stow away for at least 1 year, low to med risk. what suggestions please
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Child Trust Fund Worries
Hi all, I am having some issues with my current provider (The Share Centre) of my 1st child's CTF. Everything was going well (non-stakeholder CTF) and the money is growing as expected :) My 2nd child came along recently and i wanted to mirror the setup for him. Just as I am preparing to fill out the forms I receive a…
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Safest method of saving
First post - nice to meet you all, you seem like a switched on bunch! What's the safest method of saving out there? I currently have 5 ISAs worth of savings (so not a massive amount) with NatWest but i'm starting to feel a bit exposed with the whole RBS debt thing going on. I'm not after the best return ever, just…
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Santander Guaranteed Growth fund
I invested in one of these 3 years ago and on Monday it matured and I was expecting the funds to be paid into a nominated account on the following day. Not so, I have been informed at the local branch that the funds will take 20 days, I repeat 20 days, to be transferred into my account. In the original documentation…
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PEP suitable for an elderly lady?
My 80 yr old relative has signed up to a halifax PEP for a large sum of money over 100k. Cautious managed fund. I have sat down with her and she hasn't got a clue what she has signed up for and didn't understand that her initial investment isn't guaranteed - (although she would have given the impression at the time of the…
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Chocolate Bond up to 7.29% return in chocolate
:DWhat are your thoughts on this:- There will be two values of Chocolate Bond available: £2,000 and £4,000, both with the exciting twist that the return will be paid in chocolate via free monthly Tasting Boxes. Holders of the £2,000 Chocolate Bond will receive six free Tasting Boxes a year worth £107.70 per year which is…
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£250,000 curiosity
This is just out of curiosity, rather than a real situation. It came from a chat with a friend who may be due to inherit around £250,000. We were talking about what would be the best way to invest it in order to get a good return. Here are our uneducated ideas: 1) Put it in a high interest account of 10% and receive…
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Best account for me
My wife and I currently have about £14,000 in savings + another £1000 approx per month. We were wondering what would be the best account for us; are there any higher interest accounts that we could have access to with that amount or would we be best off just leaving it in a regualr savings account? Thanks in advance Steven
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Does Lloyds TSB still use passbooks?
I had a passbook savings account with TSB years ago, and when Lloyds TSB was created in the 1990s I remember being given a rebranded passbook and told I could continue to use it as normal. I've since closed the account, but was wondering: do Lloyds TSB still offer this service? I can't find any mention of it on their…
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Best way to invest 15k
Hi can anyone tell me what is the best way to invest in 15k i have a morgage already and on top of things i have no loans or credit cards i'm not very clued up 'pretty new to all this' on the best accounts or isa if thats the best way to go any info will be great thanks
