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Do I have to wait until Monday for my F-Direct Reg Saver money?
Interest was paid in yesterday. I expected to be able to access the money today as I was debating between opening another reg saver or just simplifying my banking & sticking it in one savings account. Only to find that I don't seem to be able to access it at all. Still shows as regular saver, yet with £3,7xx.xx in it. As…
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Best way forwards for keeping records for tax purposes & password protection
Hello! Given the odd few conversations here and there and a very helpful private message reply too, I just want to see what people's thoughts are on how best to keep tax records - especially for things like regular savers, 1-year fixed rate savings accounts, ISAs etc. I understand that the level of pedanticism we go to…
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Has anyone invested with UKX Capital
I am new to trading. Over the past 2 months I have invested with UKX Capital whose platform has pretty good reviews in online trading literature. However, the trader who is dealing with my money is pressuring me to invest more than I am comfortable with- has talked me into a co-financing agreement that I have tried to get…
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Royal London Money Market fund
I have about £9k invested in the Royal London Short Term Money Market (income) fund. It supposedly grows at 4% annually, with payments added each day, so that's just over £1 added to the fund on a daily basis - except following a bank holiday, when all of the last few weeks' increases are wiped out. This has now happened…
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Regular savers requiring deposits from one account only
Buckinghamshire BS Ecology * Ford Money * Gatehouse Manchester BS Monument *also allows internal transfers (ESBS removed as it's only the initial payment that has to come from the nominated account)
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Signing pdf banking application forms on laptop trackpad
When asked by a bank to sign and return a form by email or upload it is not usually specified how you should actually sign it. A while back I had a form rejected because it had not been signed with a "wet signature" even though they wanted the form sent via internet. I had done my squiggle with my trackpad. More recently I…
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H and L keeps logging me out
Hello this morning H and L keeps logging me out as soon as I change page on their website. Has anyone else got this problem?
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Rathbone Global Opportunities – Hargreaves Transfer‑Out Blocked Due to Fund‑Level Discrepancy
Please advise if anyone has had similar issues with Hargreaves Lansdown when transferring funds out, especially where HL’s pooled custody position doesn’t match the fund manager’s register. I hold Rathbone Global Opportunities Fund, originally Class S units at HL. In June HL converted these to Class I units so they could…
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Buying gilts - which platform to use?
I am considering buying some (conventional and index-linked) gilts and am not sure about which platform to use. It seems that Fidelity don't offer gilts at all (only gilts funds and ETFs), whereas Scottish Widows (formerly iWeb) offer them. Any other platform which offers gilts? Thanks for the help!
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How to Contact Barclays or Barclaycard via Message or Chat
Is anyone with a Barclays or Barclaycard account able to use their Chat or Message service, either online or via the apps? I have had a Barclaycard account for years and recently a Barclays account (to get the switch offer) and I cannot believe that the only way I can get in touch is to call an 0345 number! Their "Contact…
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Royal Mint - "Wealth Management"
Anyone got any experience of the royal mint wealth management service? If you try to buy over 50k£ of gold coins the normal shopping cart seems to not work and you have to apply to this service. The website makes very vague claims about "Access an exclusive pricing structure for physical bullion". If I go through the…
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Transferring SIPP from Hargreaves Lansdown to Vanguard
Hi, I have decided to do the above, as although I feel I have learnt a lot studying investments and differences between different funds, advice on fees and platforms, I find it really difficult still picking investments, knowing when to sell or keep them, what price to buy and sell out, how do the physical transfer,…
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KRBS new online system
I am new, so please bear with..... I had a badly-timed hacking of my email so asked for my account to be blocked. Since 19 August i have been trying to get it back. It is apparently registered, but every attempt to log in results in error message. I have been speaking to to their call centre and logged in under…
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Great British Invest off or Passive V Active Updates
For those who are curious to compare their Passive or Active investment strategies I'm starting a new thread today with monthly updates (Bottom lines only in £). For details see https://forums.moneysavingexpert.com/discussion/5719517/great-british-invest-off-or-passive-v-active-discussion Monthly updates on portfolio…
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Spring 5% savings account
about to open and fund the above. it currently pays 5% but you can only put in up to £5000. It says interest will be paid on the £5000. I cant find out whether the monthly interest added which obviously takes the balance over £5000 do they still pay the 5% on the increased balance, the FAQ dont help.
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Ecology Building Society: Online access update
The Ecology Building Society have had a rather radical update to their online access and also have a new app. Once registered on the new system, all savings accounts now have their own sort code and account number (previously a 10 digit account number was quoted as a reference with any bank transfers into their main Co-op…
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Spring Accelerate app - problems
Lots of reviews award 1* because the app is basically rubbish. Some have had problems over many months. Some cannot get their money out because it is App only! Can Martyn have a word with Spring? The 5% rate is very attractive but not with these issues going on!
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Tax Free Investment Options
I'm a 40% tax payer and I have +£90k that I need to do something with, if I leave it in my Chase account I will receive interest (not a great amount) but the amount I will receive will exceed my tax free interest allowance. As a result I have invested £20K in a Cash ISA which will be OK but the £20K limit will reduced in…
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NS&I Fixed Rate vs Fixed rate savings, pros and cons?
So i have some spare monies built up doing nothing after maxing the cash ISA this tax year. Now seen the rates btwn NS&I and the next fixed rate for 1yr fix is very close. Wanted to ask what the pros and cons were, apart from the obvious that NS&I is backed by the treasury so probably beats FSCS, but im nowhere near…
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ZOPA Cash ISA Transfer out
I have been experiencing issues over the past number of days in attempting a transfer of my ZOPA Cash ISA to Moneybox Cash ISA. To date I have attempted four times a transfer with each one failing. I contacted ZOPA who after an hour of messaging they repeated that the transfer was a Partial transfer which they do not…
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