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Hsbc
Well, new to this,so please bear with me. Got in to financial trouble 12 months ago, got stitched up by a ex-business partner, should have walked away, but did'nt. Now owe 40k, tried HSBC with whom I have banked with for 30 years, no help, today, we popped in to our local branch, for a chat, [last resort] It was like going…
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Real noob question about ISA deposits.
Hi All, I've got 20K in Santander 123 account. I want to start putting some money away in ISA's, now where I'm confused is, does it matter if i put the money in the ISA on the first day it opens or on the last day? Do i still earn as much interest?
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How do they do it
I have several calls from brokers and traders from companies usually based out the UK. I have signed up for seminars and free software in the past like year or more ago. So they have my contact details. I decided months ago I wasnt going to trade after finding it not suitable for me. But some of these guys have a way of…
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Halifax Trustee Accoiunt Query
My gran placed money in trust for my daughter some years ago The account is held in the Halifax and is a standard passbook savings account in grans name re my daughter My gran is terminally ill and moving into permanent residential care so unable to go into the bank to complete change of account details or address etc in…
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Fund Transfers - Name and shame - or praise
I am getting very frustrated at the length of time it has taken to transfer funds from one fund 'supermarket' to another. In my case it is from Hargreaves Lansdown to Interactive Investor and there are other threads where these are being discussed. I am being told the industry is swamped. I wonder if we can establish if…
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old premium bonds
sorting out my late husbands papers I found some premium bonds bought in 1976 for the children,he had foregot to transfer them to the childrens names when they were over 16,is it too late now,what should I do?
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britannia select saver
Just opened a select saver 4 (1.5%). By the time it was up and running I found out they issued a select saver 5 (1.65%). Do they switch you? Do they even tell you? ....... Just thought I'd highight it in case anyone else didn't realise there was a better issue available.
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Where do banks get their money from?
Has anybody ever seen a male and a female pound (dollar, Frank, Yen, Krugerrand, Deutschmark) get together in a bank vault and produce a little forty pence? Or put it another way; is there a really stupid bank manage who, for every two pounds he is given, gives back two pounds forty? The answer in Tellytubby Land is that…
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Can a Stakeholder Pension become a SIPP
Can a Stakeholder Pension be transferred into a SIPP with another provider. I have a Stakeholder Pension for my taken out about 12 years ago. It is with Legal & General and I have just received the Annual Statement with details of the monthly management charges etc. My question is can I switch this Stakeholder Pension into…
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Chargeable event gain and CGT
I recently surrendered part of a Halifax Investment Plan, and received a Form S552 showing the amount of gain (£8550) and the amount of tax treated as paid (£1710). As I have no regular income and no other significant capital gains this year, should I be able to reclaim the £1710 via my tax return?
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Lloyds Young Savers paying 0.5% APR
I noticed my younglings savings account was paying 0.5% interest and not the 3% the bank staff told me. It is an older account but it would appear older accounts are penalised with this below inflation interest rate. Not exactly encouraging a youngster to save, infact he is losing money!! Bank being quite evasive, would…
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Early withdrawal penalties & tax
I wanted to withdraw the full amount from my AA 2 year fixed rate savings account and, as the penalty is 180 day's interest, I waited 180 days before writing to close the account. I was horrified to find it cost me 180 days interest PLUS 20% tax on the interest. I never received the interest as income, so I queried this…
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Effect of fluctuating currencies on overseas investment?
I've been investing for some years, but very rarely in US stocks. I should know the answer to this question, but every time I try to work it out, I find it confusing. What is the impact of a fluctuating exchange rate in terms of timing and currency quoted? Just for example, say I wanted to buy an ETF focusing on US…
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84 year old with at least £150.000 to invest.
£150.000 for low risk investment. Would like something that will give at least £6000 per annum but, which pays out monthly. Has anyone got ideas please?
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ISA Confusion
Please can someone advise as I think I've misunderstood how many ISAs I can have. I got an ISA last year and have been paying a set amount into it each month by direct debit. Then, this April/May I decided to open another ISA. I have savings that I want to keep separate. So I'm still paying the direct debit in to last…
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Bank account problems
oopps sorry wrong thread i done this in i moved it to here https://forums.moneysavingexpert.com/discussion/comment/65818978#Comment_65818978
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Change to Joint Account after opening?
Hi all, Quick question, if I have an account in my name, is it possible to have the same account changed to a Joint account well after it has been opened? Thanks,
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Faraday Research
Has anyone any views on Faraday Research, a share tipping company, or has anyone used such a company before.
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Berkeley Futures Ltd
Email warning A client of Berkeley Futures Ltd has had their email account hacked and is sending out emails from trade@bfl.co.uk which is Berkeley Future Ltd's genuine address. The email contains an attachment, which is probably a phishing attempt, but could contain a virus. Berkeley are aware of the problem
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Market Linked Bonds
Market Linked Bonds - given the recent penalties/fines by the FCA on both the Yorkshire Building Society and Credit Suisse, 1) Can someone explain the remedies to be offered to Depositers & 2) Apart from the YBS, which other societies have similar products and what options will they be offering to depositors PZULBA - Out…
