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Payment for Compulsorily Purchased IDS (Royal Mail) Shares
Just wondering if anyone else here is having the same problem with Equiniti and IDS Shares that I am? My late mother held shares in IDS (Royal Mail). I am the executor for her estate. She did not accept the EP UK BidCo offer to acquire the shares. EP UK BidCo exceeded the 90% threshold required for compulsory purchase on…
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Investing Discretionary Personal Injury Trust funds
Hi, I'm wondering if anyone has experience of this. It's a relatively small award (30k). I have had the trust deed created by a solicitor and as far as I can tell I now need to set up a trustee bank account with either Monika or Metro Bank. Neither pay interest on the account, which is essentially what I'm asking about.…
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best platform for low amounts
hi, asking for a friend - a pal of mine wants to start S&S investing through an ISA - i recommended interactive investor having recently moved there myself but didn't think about him only starting with £0 and paying in £100/month their flat fee of £6/month would be punitive I previously used charles stanley but they have a…
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Aegon - GIA and Stocks & Shares ISA - Alternatives/Ideas
I'm trying to help a family member who is reviewing their investments. They were taken out by their partner years ago who is no longer with us. They are using the Aegon platform and have the following investments. Identical investments in both their GIA and ISA (although much more being held in the GIA). 27% held within…
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Transferring Kent Reliance Cash ISA to Principality
What do you put in the Account Number and Sort Code fields on the Principality's online Transfer-In form? The KRBS account doesn't have an 8-digit account number or sort code, just a long alphanumeric account number. The form won't submit with these fields left blank, and entering the generic account number and sort code…
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Opinions on savings rates
I'm just looking at ISA rates and savings rates. Considering locking into a fixed rate ISA for the bulk of my savings but would like to have a flexible ISA or savings account with a decent rate. Mine are now only 3 percent on the ISA n 2 percent on the savings. Just wondering whether to hold fire to shift the money or move…
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SIPP
I am 64, retired and do not pay tax. Am I right in thinking that I can open a SIPP with £2880, then the government will top it up with the tax relief. Am I being stupid, or can I just cash it all in the following week as I am at the age when I can withdraw it? If so, it seems a no brainer for the free cash, or am I missing…
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Source of funds and source of wealth
I received an email from Hargreaves Lansdown saying their Ts&Cs were changing to include the following. Reflect that we may request information from you to confirm the “Source of Funds” and your “Source of Wealth”, Has anyone had any experience of being asked about this by any financial institution?
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Recognise Bank
I can't keep up with the list of unheard of banks on the savings league table as they change every few days, lol. My money matured this morning from Aldermore so I need to put it with another bank and now a new bank has come into the league table called "Recognise Bank". Not seen any posts on here for this bank when I put…
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Personal Allowance
Can someone please explain why my allowance is dropping to 841, apparently this is based on projected earnings for 26/27 are we paying tax on money not eared yet?. As PAYE surely tax is paid on money earned above the PTA
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Rebalancing ISA - where to start
I have an ISA that has built up over a number of years, mainly following fads. It was intended to provide income in retirement, but now that the IHT rules will change, there is less need to consider this as the main provider of retirement income. So for context, this is only part of the picture; I also have state pension…
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The impact of the fund class on an investment
While in the process of removing my agent/IFA from my investment funds as a result of them being complacent and not providing any active advice, I'm now working through my funds to decide what to do with them. One fund I have, which was invested in 2006 is the following: AXA Global Sustainable Managed R Acc This fund has a…
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Dividends Not Paid During Transfer
I’m stuck on where to go next and wonder if anyone can help. I transferred some shares from HL to T212. I initiated the transfer at the end of January and HL say they transferred the shares on 6th Feb. It took a while for them to appear in my T212 account and T212 say the transfer took place on 2nd March. The ex div date…
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NS & I Refusing to pay matured Child Bond
My daughter turned 21 yrs old this year. So I dug out the original child Bond and letter and then claimed it only to receive a letter back saying we changed to a computer system, have no record of your Bond and therefore we have paid it and then every reason given as to why I can't try and get my daughters savings. This is…
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Pension Funds
I want to pay a lump sum to my private pension of £48k before the end of the tax year. I understand the ups and downs of fund values etc, but if I’m going to make a payment right now, is it good to put this into a stocks and shares based fund or is it better to put to a cash fund and maybe transfer later? Has the impact of…
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SSP1 Form - Statutory Sick Pay
I have terminal cancer and have been on sick leave for over a year. My Statutory Sick Pay ended in August 2025 but my employer never provided my SSP1 form, which is required to claim ESA. I chased this in January 2026 and continued chasing for over a month with no resolution. I contacted HMRC and they confirmed that…
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iShares SEGA vs Vanguard VETY ETFs
Hi - one of the holdings in my SIPP with Fidelity is the iShares SEGA ETF. I'd like to move my SIPP to Freetrade (to take advantage of their cashback offer), but Freetrade doesn't offer SEGA (and I have e-mailed Freetrade to have SEGA added to their list of ETFs, to no avail to date). Freetrade does offer Vanguard VETY,…
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Ecology BS account number only 9 digits
Hi I'm trying to sign up to Ecology's new online portal but have hit a snag. My account number is only 9 digits and the form requires 10. Anyone any ideas? Cheers
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"Markets pricing in up to four interest rate hikes this year" (Sky News)
The headline should really be 'three interest rate rises' rather than 'up to four' but, regardless, today's Sky news story could be relevant to anyone thinking about taking out a fixed rate savings account in the near future... "The Iran war has seen off any prospect of interest rate cuts by the Bank of England this year.…
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Moneybox investing my funds without my permission
Last week i accessed the Moneybox app to top up my ISA with £20000, the first attempt to transfer funds failed. A second attempt sent me back into the app with a big "top up" button, this time though somehow it had put the funds in my pension. I immediately contacted them to correct the mistake. Six days later they have…
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