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FCSC to increase to £110,000?
This was reported on by the BOE/ BBC and others this March, here : https://www.bankofengland.co.uk/news/2025/march/the-pra-proposes-raising-fscs-deposit-protection-limit www.bbc.co.uk/news/articles/c62z32pyegyo.amp To happen this December, although there seems no news about this since. Does anyone know if this is…
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General investment account gains
Having filled all the tax-exempt opportunities I can, I put some money in a general investment account. Does anyone know - what are my reporting obligations with this? I have no other income apart from the interest on my savings. The amount of interest, including any gains from the GIA, is below £10k. I think I read on the…
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Cost base on shares
Hi Could somebody let me know how to calculate the base cost of shares for CGT in the below example please. This in relation to a return of capital and share consolidation: Shares held prior to transaction - 1234 shares Value of S104 pool - £3,100 Return of capital - £903 Shares held after consolidation (11 for 9) - 1009…
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When to pay Tax with a 2 yr fixed saving account ?
I had a fixed saving account that started 2 years ago and matured in Oct 2025. HMRC is asking me to pay tax on it right now (tax year 24-25). Surely this is incorrect since the interests have only just matured ? It is impossible to report or even know what HMRC is using for savings interest without spending hours on the…
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hostile takeover Scam?????
I wonder if anybody has come across this situation we have a small amount of shares (less than 100) in Santander Bank and we have been contacted by someone from Langley and Dawson Group regarding their clients involved in a hostile takeover. The know all about me the exact number of shares. Further to that I have been…
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Having trouble logging in to Tesco bank?
So I put in my username, password & all that, go to click where I'm then expecting to be in to my accounts or a welcome page or something yet the next page is this... So I click welcome - that's no good because it's all a Microsoft thing. So I click back arrow a few times & get this... Hmm well I would upload but looks…
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Splitting VLS into seperate asset classe funds
I have quite bit of my portfolio invested in VLS funds (around £200,000). While I think VLS and the like offer great one-stop solutions and simple investment choices, they come with reduced flexibility. I have these split across VLS 20, 40 & 80 to give me some flexibility. One thing I am starting to look into is splitting…
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Saving account with good interest
Me and my husband is going through a difficult time and we have just sold a second house, so we want to put the capital into a savings account with good interest. Is there an account with joint signatures that we can open and take out the money within a year or so? If not what is the best option for us until we know if we…
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Tesco Bank Savings application timing out
Tried a few times over the weekend to open a new Tesco Bank Savings Account, but halfway through the process it times out and shuts down. Tried calling them on Friday but the line just cut off. Used two different browsers with same end result. Anyone had any success with them in last couple of days?
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Savings/investment sense check
I have £25k in cash savings, the plan is to keep adding £200 a month to stop devaluation incase of job loss or other problem. Then start a S&S ISA from scratch adding £750 a month to global index tracking ETFs to hopefully achieve circa 7% growth PA and be left with £500-600k in 25 years. Seems simple, makes me think I'm…
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Shawbrook IPO
I've been relatively satisfied with Shawbrooks interest rates over a few years now. But does that make it a good investment for an IPO ?
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What and when is the HMRC told about savings interest.
This might be a tricky one but I know you guys are super clever and will give me some help here. This is situation one. My wife has a fixed 3 year savings account which is due to mature in December 2025. The account will pay out all the interest earned at this time. Nothing has been touched or withdrawn. She has had no…
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Large sum savings accounts
Any recommendations for a bank account to hold proceeds of a house sale for 6 months providing easy access.
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Was the call I received from a mempool 'Database Officer' genuine?
Hello. Advice please! I have never, to the best of my knowledge, had any dealings with crypto currencies. But I was called out of the blue by someone describing himself as a mempool 'Database Officer' who knew my name and some other details as well as my mobile number. He subsequently sent emails from an account at…
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Past performance...
Past performance is not a guide to future performance. Nick Train: "Thank God for that." LT's four OEICs are down to about £5,500m AUM, including a paltry £39m in the North American fund. This can surely no longer be seen as a run of bad luck or quality being out of fashion given that quality factor ETFs have performed…
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Zopa Easy Access Acc
I recently opened an easy access account with Zopa and made a nominal deposit as my first transaction which after a prolonged period was finally acknowledged by Zopa. However my second transaction/transfer which was more substantial was returned 24 hours later as Zopa claimed they were unable to recognise my nominated bank…
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Royal Mail Share Offer - I missed the deadline! PLEASE HELP
Hi All, Just logged into my Hargreaves Lansdown trading account to see my Royal Mail shares are now shared in International Distribution services. I tried to see them and was unable. I called Hargreaves Lansdown and was advised that the decline was last week, I had missed it and lost all my money. Is this correct? Can they…
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Investing for a Trust
Hi all, One of my family has just received a large Personal Injury award (read as several millions) and it is in the form of a trust. I am one of the trustees and whilst fairly savvy with finances I'm totally new to trusts. The trust does not earn any interest and we are wanting to put the money to work for the beneficiary…
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30 days rule
Hi forum, I just need some clarification on the 30 days rule in a trading account. Is it any 30 days or is it 30 working days? I sold an investment who's dealing date was 01/10/25 for capital gains tax purposes, and now I wish to purchase the same investment on the 05/11/25. Would this be okay or fall foul of the 30 days…
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Bank of Scotland Savings Acc with ATM Cards
I was doing some googling after receiving my new BoS Current Acc debit card with the forth road bridge on it ,replacing the one I had with the standing stones. I noticed a few different designs ,some of which had Savings written on them. I was wondering which account this was for and how do you get them as I couldnt find…
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