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Premium Bond - Trying to place a premium bond with the rightful owner
My mum passed away a few years ago and we discovered 5 really old paper premium bonds. We sent them to NS&I and are currently in the process of getting 4 them transferred & registered into my name with my brother's consent. The remaining premium bond NS&I say is registered to another customer so they are not willing to…
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Transfer from Tembo (non Flexible ISA) to another provider
Hello, I've put in money for this ISA year to Tembo. If i was to transfer my entire isa balance (which includes previous ISA years) from Tembo, would i still be able to contribute the rest of the balance to aim to hit the 20k limit? First time I've used a non flexible isa, but i guess its what you do when you want to stop…
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Metro Bank needing in person ID verification
I opened a Metro Bank savings account last year, to make use of their interest rate. I withdrew some money a few weeks ago as I was making a large purchase, and had to phone them to get to authorise it, which they did. However, I just tried withdrawing some more money this morning, and all attempts in the app and on the…
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Hargreaves Lansdown Acceptable Use Policy
Please may I ask for opinions regarding Hargreaves Lansdown new Acceptable Use Policy (bottom right of https://www.hl.co.uk/terms-and-conditions). I think clause 3.1 (especially 3.1.1 & 3.1.3) appear to define 'Acceptable Use' as "anything HL considers acceptable", which I find to be extremely unhelpful. Surely they can do…
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Give Your Head a Wobble
I recently tried to set my mum up with a T212 ISA, but she struggled with the ID verification system – specifically the bit where you have to turn your head from side to side in time with a phone camera. We tried and tried, but she just couldn't match the timing. All the previous application steps were thus wasted. Two…
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iweb automatic dividend reinvestment or payout
Can anyone give me some advice on the best option for dividends payouts on iweb - it is not a massive amount of around £600 a year but worried it is getting eaten in fees. Not 100% sure of the costs , it says that I am charged 2% upto a maximum of £5 ... The payouts range from £1 to £100 amounting to around £600 over the…
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Should an emergency fund be kept in cash or a Short Term Money Market Fund
Hi I currently have an Emergency Fund of 6 months of expenses. Half is in an instant access savings account and half in a cash ISA. Should it be kept in cash or should I consider moving it or half of it into a Short Term Money Market Fund, in order to generate a higher return?
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Alternatives to AJ Bell for Funds
At present I am holding quite a lot of cash, via money market fund CSH2 in my SIPP: AJ Bell's SIPP charges for ETFs etc are good, 0.25% capped at £10/mth, but their charges for Funds are uncapped so I am getting monthly bills of £40 or more. I mailed in and told them that they are uncompetitive, and the "Retention" team…
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Royal Mail shares letter offering to buy shares but not stating the figures
I keep getting letters from Royal Mail, which I understand they're sending to all shareholders. They're offering to buy my shares but they've not put a single figure in any of the dozens of pages of waffle. How on earth do I work out what their offer is. They're just wasting everyone's time with this endless nonsense…
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Bonus for WeBull users equivalent to 10 per cent interest
If you're an existing WeBull user you may have a bonus offer.Open the app, click on menu and look at the promotion centre.It's a tiered offer but if you can transfer the minimum of £2,000 then you should receive £100 - equivalent to 10% interest over the six months you'll need to keep the money there for.WeBull has a small…
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Loanpad P2P - Reviews, experiences, info or updates, post them here. I'm having a dabble.
Morning all I've seen this name pop up a couple of times in various threads, but can't see that there is a dedicated thread for them. I've had a quick look at their website, and on the face of it, it seems like a pretty good deal, somewhere between cash and a S&S ISA. I realise that capital is at risk, and the interest…
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Cahoot
Anyone know why they don't have an app?. Seems nuts to me they don't seeing as Santander do. As with the Santander site the Cahoot one doesn't work properly on my Google Pixel 7 pro phone, frequently have to relogin etc. Don't currently have a working laptop so 😌 Cahoot don't seem to be on social media either 😌
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"income" investment funds
A bit of a newbie question, I've been looking for monthly income funds, and am not 100% clear on what I'm reading on fund factsheets for instance Legal & General Active Global High Yield Class I - Income List an annual return of 9.23% over the last year and a yield of 6.9% Does that mean If I held that fund over the last…
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Dying / Defensive
1. I've been thinking about dying recently. Almost all of our assets are tied up in ISASIPP/investment/dealing accounts, where the proceeds, if extracted, are withdrawn to a nominated current account. In every case this is our joint account. Is it paranoid to worry about the joint account being frozen for a while in the…
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Bonds questions
I've always either saved my money in regular savers/high interest savings or invested in ETFs (World trackers or S&P 500). However, I've started looking in corporate bonds and was curious what the risks are and whether I've understood everything. For example Vodafone are offering (XS0181816652) 5.625% on this bond with a…
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Concept Capital Group - Shut Down by FCA
This is one that was reported on MSE some time ago but sadly once again it appears that the thread warning members about it was locked and removed from view as it's showing no permission to view now (unless anyone else can see it?)…
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Can't login to II
Ignore, I think their site is/was kaput.
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Santander Easy Access Saver Limited Edition issue 3
Santander Easy Access Saver issue 3 interest rate dropping to 3% from 1st August.
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Chelsea BS and NSandI transferring funds and getting log off
At 8am this morning I have transferred £1 out from Chelsea BS to other external bank accounts and the money have no come through The NSandI keep kicking me out - to say I have touched the BACK button which I have not. I would like to ask whether anyone has any problem with either of these (as I was going to pay my sell…
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Difficulties transferring Tembo Easy Access Cash ISA to a new Cash ISA provider
Tembo do not provide customers with a Sort Code or Account Number. How can I transfer a Tembo Cash ISA I opened in the 2024/25 tax year to a new 5 year fixed Cash ISA with a different provider without losing its tax free status please? This is what Tembo say about Sort Code and Account Numbers:…
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Most recent: ISA Transfer from Trading212 to Chip by Ch1ll1Phlakes
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