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Share cancellation (eg AV, GACB prefs) - tax implications?
Following the tax changes over the last couple of years, I transferred some of my pref shares from a non-ISA share dealing account into an ISA one (I'd had them for years, when the threshold was much higher). And of course manage them to keep below the threshold. However, the recent AV pref shares cancellation has resulted…
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AV.B Cancellation - only got face value back, whats going on!!! (RESOLVED)
Just had a look at my HSDL account - I was expecting a certain sum per share for the cancellation. But all I've got back is the face value of £1 each!!! And not all of them have had the benefit of a share sweep ( my wife and I have both ISA and non-ISA accounts. What's going on? I been done out of a lot - I mean a LOT - of…
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Kent Reliance rant
Kent reliance are in the midst of setting up a new IT platform but have released the new system without full functionality or integration of existing data. Previously I could transfer money from easy access account to new bonds. Now bonds are on the new platform, with separate login but existing accounts on the old. To…
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Money stuck in Prosper app - can anyone help ?
I've just had a 90 day investment mature which is in Prosper. In the app it now says I have the matured money as "Savings" but part way through the 90 days of my investment, Prosper introduced a new system of what they call a "Wallet" which is basically a bank account and sort-code for each user. You can only withdraw…
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ETF's and Capital Gains/Income tax to non UK countries question.
Hello, I am a UK resident who is new to investing, and also new to paying income tax/Capital Gains tax. I've purchased into a Vanguard S&P 500 fund in a Stocks and Shares ISA and I'm considering investing in other world funds. Does anyone know for certain that holding stocks/shares in these funds will mean that countries…
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The Archived History Of Regular Savers Thread *** NO CHAT***
Welcome to this thread The main purposes of this thread are three-fold: * To provide a list of current and historic regular saver Ts&Cs. * To serve as an archive of when key changes to The Top Regular Savers Discussion Thread and the accounts listed on it were made. * To serve as a defacto no-chat regular savers thread to…
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What to do with £500 - invest, save, overpay mortgage or something else?
Hello. I'm currently overpaying my mortgage by £500 per month. Mortgage itself is low interest - 1.66% fixed for 10 years with 7 years remaining (a rare deal from 2022). I have 64% equity and mortgage balance is about £170k. I have maxed out my ISA allowance for the current year, all of which I put into my Stocks & Shares…
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Chase boosted saver
Okay so I know I'm wrong before I write this but I can't understand why? I have a chase boosted saver at 4.55% aer. The boost is for six months then drops by 1.5%. If the headline rate of 4.55% is only for six months how can the annual equivalent rate be the same? six months of 4.55 followed by six months of 3.05 is not an…
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Natwest blocking payment to CHIP ISA
anyone else had this? tried to pay ~£9k into a new Chip ISA and it was immediately blocked by Natwest anti-fraud who apparantly don't like ClearBank very much. Now all payments to Chip being blocked. Assuming I can get the bank to actually give me access to my money again does anyone now if there's a limit to avoid this…
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Flexi ISA
I am thinking of opening a new Flexi ISA with Tembo and would like to know others' experience transferring the funds out to S&S ISA, please? is it a straight forward, like a bank transfer or had to complete paper form and how long does the transfer take?
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Anyone using Sidekick found a way to view the daily accrued Interest amount?
Has anyone managed to locate the daily interest amount in the Sidekick app? I can see interest earned to date but nothing about the actual daily interest (interest info says accrued every day but only applied from Sunday through to Thursday).
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Sidekick easy access savings account - issues transferring money in to new account
I just tried to move some money from my Santander account to my new Sidekick easy access savings account. My bank detected this as potential fraud and stopped the transfer, and blocked my account! I called them and the guy did some quick searches on Sidekick (he'd never heard of it) and quoted a few trust pilot reviews…
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FTSE RAFI Developed 1000 Index
I'm interested in peoples' views on the Russell Developed 1000 Index. To my eyes, it is a much more value oriented global large-cap value index, that removes some of the higher risk large cap holdings (i.e. Nvidia is 0.14%[3.67%] Tesla is 0.08%[1.12%]). The downside is that it doesn't have so much of the growth stocks that…
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Basic Personal savings allowance queries.
Hi all, Apologies if these are answered elsewhere, I did a quick search for PSA topics, but everyone else's queries seem more complex/specific than mine. By all means point in the right direction if these have been answered before. 1. Is the only reason not to go over your PSA because it might push you into a higher tax…
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Maximising Savings
Evening All, I am in the process of receiving some inheritance I am just wondering if I’m on the right lines with what I am doing with it. With what I have got so far I have maxed out ISA for this year and also premium bonds. Mindful of having over 85k in the account I have split into two others which had pretty good rates…
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Struggling to keep up with top ISA rates
Hello, As the BOE keeps moving the goalposts downwards making it harder to score the top rate of interest (no pun intended). I have now opened and moved accounts with Trading 212, Chip, Atom and Moneybox, so i think i would count and a existing customer and not be eligible for the boost. Idk why they keep doing these boost…
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Cahoot Not Paying Interest on exactly £3000
In April I opened and credited a new Cahoot Sunny Day Saver and chose to have the interest paid monthly. This account states that it does not pay any interest on balances OVER £3000. Fair enough. It also states you can "enjoy 5.00% interest on balances UPTO £3000". I have exactly £3000.00 in the account and having checked…
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Imutual
Not sure if this is the right forum so can the moderators move it if necessary. A few years ago i used imutual.co.uk for cashback and i also got something like 10,000 plus shares. i havent logged on to the website for a couple of years at least. The website doesnt want to load anymore. Has the company disappeared? Not…
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Cahoot Question
I opened a Simple Saver account today. I put a few thousand into it and then tried to withdraw £1 as a check. It wouldn’t do it, and gave me an odd error message: “Order not allowed due to notices in the account attention!” Can anyone tell me what that means? I really hope they haven’t done something like freeze the…
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Birmingham Bank?
Hi, does anyone have any experience of Birmingham Bank? I am looking to lock away some savings in a fixed rate 3-5 year account and these guys seem to be offering the highest rate at the moment. I'd never heard of them before they were recommended here.
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