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Shares held in USA/ SEC involvement query
I have been trying to trace a company to see if the shares i supposedly bought are actually real & if the company still exists etc The contact i had is no longer responding to calls or messages so i have filled in an online complaint with the SEC in USA ( july ) but had no reply so in Aug sent another message via a…
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Which platform to use?
I have a s&s isa from previous years in both HL and Halifax, which one is it best to open a regular saver for both vanguard life strategy 60 and hsbc global strategy balanced? Is there any difference? Many thanks
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S&S ISA questions and sense check
Hi there, I’m early 30s, have spent the past decade putting all my money into houses and getting married. I’m good at saving in that I’m frugal but terrible at getting my money to work for me. The next few years look much more stable and I am keen to properly get saving for later life. I am borderline higher tax rate payer…
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Finances sense-check
Hi all, Seeking input here on the state of my finances and the 'what would you do/suggest' to a few questions so all constructive advice and tips appreciated. Late 30's and married. £30k spread across current accounts including 5k in a cash LISA. Just over £3k in a VLS100 Acc index..drip-fed monthly (less than 4% of my…
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How many funds in a portfolio?
I hold 20 different funds and wondered if this was normal for the average investor.
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Re-New Regular Savings Account
Hi, I have several regular savings accounts where money is drip fed from another account. The savings accounts are nearing the end of the 12 months higher interest rate. My question is, when they come to an end, can I open another one at the same higher rate? I have HSBC, First Direst and Santander. Thanks.
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Newbie to Self Assessment
After a few phone calls to HMRC to sort out out of date savings interest, which has significantly changed since closing various accounts, which kept re-appearing online every few weeks, I have a letter saying they have setup a self assessment record for me. The letter mentions filing online. Does this actually work ok, as…
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LISA help
Not sure if i meet the criteria. When my father died, my name was put on the house deed (Labd Registry) along with my mother, I assume to protect my inheritance. With my full agreement, my name was removed after a number of years. I have never had a mortgage in my name but have obvisouly had my name against a property. Do…
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splitting proceeds from house sale
My mother and I bought a house together and she passed away recently. 50% of the total value is mine and then the other 50% would be split 1/3 each to me, my sister and brother. My solicitor says that now mum has gone the house automatically becomes mine and when I sell it my sister and brother will have to pay tax on…
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Tonik energy interest
Weird one to put in here. I just joined Tonik Energy who give 3% interest on balances up to £1000. Has anyone here with Tonik just put in a lump sum of £900 or £1000 in and taken the 3% interest?
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Crownfield Capital
Pretty sure this is a scam, but thought I'd post for others' thoughts. Got a cold call from these guys about some shares that I owned and had sold. Crownfield told me that the original company had been taken over (which is true) and that I did have some residual shares in the new company. This is possible if I had a scrip…
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LISA advice needed
Hi there, I’m looking to set up an LISA to save for my first property. However I’m experiencing some issues and not sure what to go ahead with. Due to my partner’s higher wage, it’s likely that we’ll be buying a property that’s more than £450k which is the limit for a LISA. Of course, I want to contribute as much as…
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Benchmark vs. category
Could someone please explain the difference between benchmarks and categories, against both of which funds are often charted, and the merits/demerits of comparing a fund against each? I think the benchmark is the nearest equivalent index and the category is something to do with other funds in the sector, but after that I…
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Put mortgage overpayments in S&S or pension?
Hi all, Since buying our first house in December last year, I have been making small mortgage overpayments (usually around £300) throughout the month, such as by rounding down our bank balances on a daily basis and any cashback etc. £300 a month overpayment pretty much puts us on course to be mortgage free by 55. Due to…
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ist Direct Switch your regular bank account
Just looking to open an a/c with 1st D to get their regular saver. They offer £50 for a switch of what they call your 'Everyday Bank Account' I have an account that I hardly use with Starling that has just over £100 in it. Has anyone tried using a redundant account switch to get the payout?
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Moneybox issue
I set up Moneybox account some seven months ago and it seemed to be working ok Last month HSBC changed it's login in procedure and Moneybox now has no access to collect money. Money box advise me to set up something they call "open banking" on my HSBC account. Anything called open banking does not work well for me. What…
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Trading platform- advice please
Hi, After seeing various and repeated ads regarding a CFD/Forex/ETF trading platform on Youtube and other places, I decided to try it. I had no experience. Long story short, it did not work out and unfortunately, the amount I lost was quite close to 6 figures. I contacted both the FCA and the CAB, and they have said I need…
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Funding circle repayment warning
Hi Just a warning to anyone thinking if using Funding circle as saveings platform, I put my funds for sale on 7/6/19. As yet over 100 days later, it has still not sold. See below extract of email from Funding circle Whilst loan part sale times cannot be guaranteed, loan parts sold between 04/09/19 and 10/09/19 took on…
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ALERT Earl Shilton BS charge to make Faster Payments
Ref: esbs [sic] ... Earl Shilton Building Society Finding a competitive Regular Saver on a comparison site, I checked out the product on the web site of the advertising building society. I found buried in their admin fees section mention of a £10.00 fee to make a Faster Payment. Yes, £10 to access your money ... a new one…
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Small investment/savings advice sought
Hi I'm having a bit of trouble finding out what my best options are, for protecting a bit of cash from inflation (just £10K) and keeping it steadily growing. Here's the situation: I put aside a certain amount of cash in £ sterling (a few hundred) each month into an account that earns NO interest. I'm worried about…
