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Can a student open Santander Current 123?
Hello, I find that the current 123 is better for me than the student 123. Would I be able to open a current one being a full time undergraduate? Thanks in advance
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FSCS Protection with Mortgage and Savings?
Hi, I've a question about FSCS protection which I've tried to research without much luck. I was hoping someone could perhaps help. Say I have both an offset mortgage of £50,000 and savings with a bank of £150,000. In the event that they went bust, would they repay my mortgage before returning the protected £85,000 (losing…
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What to do with 15k
I am just abobut to get a investment back next month, and it will be 15k I know it is not a lot to most people on here to to me up north it is. Does anyone have any idea where or what to invest in. I was thinking about another BTL as you can get good return on houses for 40-50k or does anyone have any other ideas please. I…
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Share Certificates
Hi I am being asked for proof that I own shares for a certain company. I am being asked for 'original documents' only. I phoned the share dealing company, and they said they best they could do was give me instructions on how to print out share transaction details from my online account. Is there such a thing as 'physical…
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santander 123 account fee to rise
What you guys think of the news of santander charging £5 from January? I have my account maxed at £20000. I am going to be looking for some current accounts and doing some figures to see if its worth me leaving them although its difficult with a large sum as most current accounts seem more for low sums of money.…
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Tesco Bank - Problems?
Is anybody else currently having problems with Tesco Bank? If I attempt to make a withdrawal from an Internet Saver account it says "We've been unable to complete your transaction. Please try again.". Needless to say, trying again produces the same result. Thanks
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Santander 123 current account fees rising to £5 in January
........and the credit card fee is going up to £3 a month! http://www.telegraph.co.uk/finance/personalfinance/bank-accounts/11862290/Santander-123-current-account-fees-rising-to-5-in-January.html
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Birmingham Midshires not worth the hassle
One month and still the instant access account is not fully operable. Endless to and fro of paperwork. Paperwork incomplete so telephone follow up necessary. Telephone enquiries held up with a very long monologue which is entirely unnecessary. Telephone operatives slow. All for 1.6% gross; and that's only variable (only…
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How panic-y have you got ?
I have a few tracker funds making up my S&S ISA and the last few months have been much worse than the previous 2-3 years. I'm in for the long term, for at least another 10 years, and in no way am I panicing, but I was wondering do other posters have stories about bad times, worrying times or generally OMG moments ? Andrew…
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Saving/ISA account suggestions
Hello everyone! I am thinking to open a saving account and hope you could share your knowledge with me and direct me to the best choice, because it's the first time for me. My current situation is: - I have a basic bank account with SANTANDER uk and I don't pay any household bills, I just pay the rent for my room (or maybe…
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Caledonia Investments Plc
Hi, I have been putting away a modest amount into the Caledonia Share Account for a few years following the advice of an IFA. I am wanting to increase the amount that I save through increased monthly contributions. Is this investment giving a reasonable return and should I increase the amount I contribute or should I look…
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FL-G4S-Long-Term-Cap-Gth-Pn
I have a Pension Plan with my current employer, which I have held for about three years. The entire amount is invested here: http://www.moneywise.co.uk/fund-information/FL-G4S-Long-Term-Cap-Gth-Pn/MOFV2 I have noticed that the fund has grown very slowly in the three years. The current value is: 5,821.92 and the total…
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HL v Charles Stanley
I currently have a Halifax Stocks and Shares ISA with about £1K in it. I want to invest a further £2K and then about £250 per month. I am finding it difficult to decide between Hargreaves and Landsdown and Charles Stanley. Here is what I have found so far: 1) HL charged 0.45% for their platform fee and 0.24% for the…
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What to do with large sum of cash whilst waiting to find a house to buy
Hi everyone Am new here. Have just had divorce partial settlement through which amounts to over 75k cash. :j Whilst waiting for a property to sell to add the funds together to buy a home I am not sure what to do with it.... Have just opened a santander 123 current account which will pay 3% on 20k of it. I don't have any…
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Investment Bond & Inheritance Tax Planning
My sisters family and my parents have decided to all move into a house together. This was a family decision which came about after an illness that one of my parents suffered. My parents home is mortgage free and the plan is for my sister to move in and extend. My sister would transfer her mortgage onto the house. This was…
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Santander--FSCS Reduction Options
I've just received an email from Santander telling me about the reduction in protection to £75000 from January 1st and letting me know what my options are. I have been expecting this as I understood that each Bank was making it's own arrangements to deal with the problem of customers with balances over the new limit. I've…
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Investing generally and Vangaurd LifeStrategy
Nearly a year ago, struggling to find places to put my savings I thought that I'd chuck a few quid in a LifeStrategy 60. It was my first foray into stocks and shares/investing etc. Always been a cautious saver seeking out the best current and savings account deals So one year on and my £3000 I invested (actually a little…
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Anything like a Santander 123 for a student?
Daughter has just bought a house, will have lodgers so income stream, and utility bills to pay, so went to open a 123. Nope, sorry, not with occupation "student", so back to square 1. Anything similar that doesn't discriminate based on occupation?
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Halifax Online Tracker
I opened an online tracker in June when the interest rate was 1.09%. I have just noticed that it has gone up to 1.95%. Because I have 50000 invested it is worth me taking a hit of 175 days of interest to close the original account and open up a new one. This is where the fun begins! Although it is an online account and I…
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ISA S&S, Index Funds, strategy
hi all, I am doing some research and lots of reading at the moment, but would appreciate to hear some experiences, etc from other MSE's members. We are both 43/42yrs old without kids. Basically we are 100% offset on our mortgage at the moment (own money) and have £7.3K debt in a 0% credit card (expires in Nov/15). We can…
