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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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Vanguard General Account v Vanguard ISA
I have a Vanguard General Account with around £20k (£16k invested +£4k change) , which I'm making regular monthly payments into (£200) Would I be better to move this into a Vangaurd ISA Account and if so what is the process? Do I have to sell my holdings and the reinvest or can I simply swap the product type? I have around…
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Can I avoid interest payments by selling my Gilt ETF before the Reporting Date and re-buying?
Hi For tax reasons I would like to minimize interest owed during the tax year 2027/28 (EDITED - I originally wrote 2026/27), but I still wish to hold a Gilts ETF. Am I correct in thinking that if I was to sell my accumulating GTLA ETF (Invesco Markets Gilts) just before the last day of the reporting period (31 December…
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Regular Savings Calculator Issue?
When I use the drip sum calculator and put a different number in for the lump sum, but keep everything else the same, the difference between drip feeding and not drip feeding changes. I would have thought the difference would remain the same, am I missing something? Edit to add: For example, you have 1 year, no tax, lump…
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HMRC Tax Code Notice "less untaxed interest".
On my Tax Code Notice for 26/27 there's a three figure amount under "untaxed interest" in the tax-free amount. I'm a complete novice in these matters, but I'd like to avoid this if possible. I assume the figure refers to interest I am receiving from an easy-access savings account I have with (at the moment) about £20k at…
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Banking app 'Zero' stops trading and will close all accounts – what it means for your savings
Fintech app Zero ceased trading on 18 March. The company plans to keep its app open until Tuesday 31 March, but it's said it can't guarantee this. If you had an account with the provider, you should withdraw your deposits in full as soon as possible. Here's what's happening. Read the full story here: Banking app 'Zero'…
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Shawbrook 7 years fixed rate, would you go for that?
Shawbrook bank website is offering a quite rare (or let's say unusual) 7 years fixed rate Bond at 4.21% interest (and an Isa version at 4.14% with deposit allowed in the first 90 days that it is useful even for those who have already maxed out this year allowance and they must wait for April). Would you put £1000 on that ?…
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Private pension v Cash ISA
Hello, advice needed please. I have approx 25k in a private pension which hasn’t had anything added to it in 2 years, I also have about 9k in an account with Trading 212, this gets 3.6% AER. My head spins trying to work out if keeping the private pension where it is is best or taking it out and putting it in an ISA, I know…
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Moving from US based share management company to UK?
Hi I'm looking for some advice. Many years ago, I used to work for a US based company's UK subsidiary. I bought some shares through the employee programme. These are US based shares and are managed by a US based company; The dividends are reinvested to buy more shares in the same company. Due to poor service from the…
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Money Moral Dilemma: I've put my mum's money into Premium Bonds - who gets the prize if it wins?
This week's MoneySaver who wants advice asks… My mother has given me a sum of money to pass on to a friend of hers after she passes. I've put it in Premium Bonds to keep it safe until the time comes. If there's a win, big or small, should it go back to my mum, kept to give to her friend, or should I keep it? Unfortunately…
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Co-Op Regular Saver - Early Closure
I have a Co-Op regular saver that is due to mature on the 27th March. Does anyone know if it is possible to close the account early and then once closed open a new regular saver with them. I do not want to withdraw funds and then find I cannot open a new RS until the current maturity date. Appreciate any thoughts,
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Money Market vs Gilt Fund (again)
I've asked similar question couple of years back but thought worth getting an up to date perspective… My pension pot currently has 70% equities, 20% money market fund, 10% UK gilts fund (containing mix of medium to long term gilts). The gilt fund is basically all that is available from my workplace pension in terms of…
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Saving a lump sum
We are inbetween houses at the moment and have about £180k in our bank account, can anyone recommend the best thing to do with this amount of money? It’s currently in an account where the interest rate is 2.3% so I know I can do better. I don’t know whether to split it up between different accounts/ISA’s or keep it…
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