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What are your views on Friendly Societies?
Hi, I've found a leaflet in my monthly magazine for the Scottish Friendly. As the headline was "Tax-Free savings allowance", I opened it up and read throug it. Basically you open a 10 year saving plan paying in £15-£25 pm without paying and that's on top of having any ISA's. As I've never heard of this type of…
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Trust Account for Adult with Learning Disabilities
hi, i have been struggling for years with getting a Trust account for an adult (my sister) with learning difficulties, as she was left some money by her father, in trust. I did open an account with the Skipton BS, which is due to finish soon. Also, i opened another account with the Halifax (Guaranteed Reserve), but they…
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Changes To Hallifax/Bank Of Scotland Reward Account
I have this current account for many years,only have the one I may add. My wife pays the utility bills off her account. I have only one Direct Debit and two standing orders,my wifes thinks they will count but the letter from the bank says at least two different Direct Debit Mandates.
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Is Banking Really 'free' as they claim?
Here's an interesting way of looking at it: I guess the flaw in their argument is that they don't take into account arranged loans such as mortgages, which perhaps constitute the bulk of bank lending?
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Anybody put their money in 'things' ?
Just wondering if anybody who is disillusioned with crappy interest rates and the uncertainty of the stock market has decided to buy something material with their savings as an investment and, if so, what have you bought? P
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investing and savings
hi thinking of investing some capital, any one recommend some good companies or best way forward, it seems Martyn's links have been removed?
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Saving situation opinions please
Hi Money savers, This is my first post after years of reading the site and forums. My situation is as follows, I am married and have a 3 month old daughter, I have spent the last 10 years pushing forwards in my job and trying to create a good life and home for my wife and child. I am now unsure of what direction to take…
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What Are You Worth?
Hi All, For those brave enough in revealing what is your financial breakdown? Mine is as follows: Salary - £20k Private Pension - £4500 Mortgage - £90k Value of property -£200k. Savings - £17k in current account (soon to be moved). Investments (if you call it that) - £200 (Premium Bonds). I'm not worth much to be honest;…
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How long can this rise in shares last?
My 10yr old Stock & Shares ISA has nearly climbed back up to 2008 levels in the last month, which is astonishing, as I'd virtually written it off as being not one of my better decisions. It's not a lot & I don't really need the money, but I'm wondering if I should get out now while I can. I don't understand anything about…
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Hargreaves Lansdown & online registering query.
My brother set up for HL early 2012. I've asked him but he can't remember. I set up with them on Wednesday after being given a full time role where i work, so i can now afford it. Did the online registering as part of my application. I wrote my details down as i went. Tried to sign in & it wouldn't let me, so i figured…
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Saffron Building Society
I have just had the most amazing admission from a Building Society Chief Exec! Jon Hall, the Chief Exec of Saffron has just sent out an email saying that they are reducing their interest rate on their Internet Saver Account from 2% to 1.7% as due to the Funding for Lending Scheme providing mortgage loans at low rates, they…
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Old Savings Accounts still with good interest ?
I just found that my old over 50s Chelsea account is still paying 2.75 % on monthly interest with instant access ,i know they are not opening new accounts but how many other products are lurking still paying reasonable rates ? Check your old disregarded accounts I m glad i did !
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Should I pay mortgage off completely?
Hi, I'm 56yrs old and coming to the end of my mortgage soon but not sure whether to pay it off completely or leave a small amount outstanding. I paid a lump sum off last year then made over payments which has brought the outstanding balance down to around £300. My intention was to pay the mortgage off completely by…
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Tax on Savings?
I have a question: I'm semi retired, not pension age yet and do not earn enough to pay 20% tax. However I do have a few savings accounts. When I get these statements though tax at 20% has already been deducted. Now I know I should send each of the providers an i85 form (I think) and I will get around to it. But, my…
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Alliance&Leicester interest rate
Does anyone know what savings (as opposed to overdraft) interest rate is applied to the Santander (formerly A&L) Premier Direct current account, it is the one with free insurance. It is like finding a needle in a haystack on the Santander site Thanks.
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Northern Rock/Virgin Money interest error
Virgin Money have been sending out cheques for ex-Northern Rock e-Saver accounts as there was a minor discrepancy in the advertised interest rate. Does anyone know if these cheques have been paid net of savings tax? In addition accounts with a zero balance/dormant seem to have been closed in their system migration.
