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YBS - log in problems etc
I've spent about an hour trying to log in - sometimes phone rings when it should provide a code but then is silent and at other times I get and enter the code online and soon after my internet connection is lost (that happened repeatedly). Cannot "Report an issue" from the log in page as that too cuts the connection.…
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Investing for our children's future
My wife and I are reasonably financially secure. We don't have a mortgage and are debt free. We max out our ISA and pay into a SIPP as well as a DB scheme. We have received an inheritance - some of this we would like to use to help our teenagers through uni and to buy their first property. What is the best way of doing…
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Post Office Savings Transfers
Can anyone advise if I had a savings account with the Post Office can I transfer that money into someone else's bank account not in my name? I have borrowed money from a family friend over the years and am now needing to start to pay it back in instalments when I can, not regularly but when I have the spare funds. I don't…
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CHILDS SAVINGS ACCOUNT
Our grandson lives in Malta and we would like to open a savings account for him in the UK but every account I have tried requires him to be a UK resident , does anybody know if it can be done or will we have to open a EU account for him ?
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Not where, but how to save house sale proceeds
We're moving house in a few days time and stand to receive some £200k paid into our joint account. The savings rates the bank offers are abysmal, so we would like to move the proceeds to a instant access savings account elsewhere. However to open a new account inevitably we would be asked for utility bills or other proof…
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Premium Bond Winner ?
im interested in winning premium bond holders , or not as the case may be , please post your winnings and holding as well as length of time held , i have a theory that newer bonds win more prizes , id prefer not to make this a discussion area of that arguement but i would be interested in your winnings just a bit of…
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saye shares & CGT
Hi, I'm retired but have a sizeable amount of money in shares, saye shares through my employer long time ago. I have know wish to do anything other than cash them. My question is; do I still have to let HMRC know through self assessment if I sell shares with CGT below the £3000 limit? Is it only if CGT exceeds £3000 you…
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How & when do you stop running your winners?
I'd been thinking of de-risking for a while and last year when Trump did his April tariff thing I decided I didn't really want to be hanging off every word he said so after the initial bounce-back it was the catalyst to sell what was, at that point, a 100% FTSE Global All Cap ISA down and reinvest in equal amounts of the…
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Santander/Cahoot sites under maintenance for 29 hours (apparently!)
I don't know exactly what you'll be able to do or at which times, but this epic period of 'overnight' disruption is 'overday' too!
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Best use of leftover company net profits when plan is to buy? SIPP? SSISA?
Every FY I can do the following: Max out basic rate dividends (37.7k) Pay myself salary to cover NIC (12.5k) Max out LISA (4k) Invest in SSISA (8k) and then usually have about 100k net profits left in my company accounts in a 1.4% AER savings account (after corporate tax, vat, and paye tax is all paid) My short term goal…
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Should I sell my gold
Hello I have a solid gold necklace that was valued at 8k. Having looked at the price of gold today it's much higher. I rang the place who have now increased the value to £9,200 and will buy it from me today at that. Rang a few others to check and it's the same offer. I have kept the necklace as in my head it's been money…
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Quilter Platform unavailable?
Hi, I just wondered if any other Quilter platform users where able to access the platform at the moment? Despite not finding ANY indication that the platform is down for maintenance, it appears to be unavailable. The URL I'm presented with when navigating through the Quilter home page to login is:…
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Cahoot's transaction limits
My Cahoot Simple Saver is ending this weekend. Does anyone know what's the daily withdrawal limit and does the whole weekend counts as 1 day (like with Ulster and probably some other banks). I can't find any of this info in Cahoot's t&c.
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Cahoot a/c upgrade
Apologies if this is old news and I'm late to the party but had my eye off my savings for a while, but my Simple Saver 12 months expired and saw for the first time the Account Upgrade option which basically keeps all the same account info be signs up again for another 12 months at the 4.40% AER. How simple and how useful…
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Taxed on savings from sale of my house
Hi all am looking for some advice. I sold my house and left the money in the bank. I have a few saving accounts and isa. This week my tax code changed in work an due to savings amount. I don't earn a great deal hoping this would go towards my retirement as I don't have a pension at the age of 55. Anyone have any advise on…
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Flexible ISA confusion
If I deposit £20,000 in to a flexible cash ISA during tax year 25/26 and then deposit £10,000 in the next tax year 26/27 and then withdraw the full £30000 during that tax year to put into a savers account elsewhere can I put the full £30000 back into the flexible cash isa before the end of that tax year? Also, does it…
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Tembo - are they any good
I have never used just an online only account before and am looking at setting up a Tembo ISA to transfer my ISA across to, I am slightly nervous about an online only account and was wondering how people get on with the Tembo one? TIA
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Nottingham Building Society site under maintenance for ca. 60 hours (Really!)
... and all their branches are closed tomorrow, Saturday 07 March 2026
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Investing £30,000 and €20,000
Hi, I would like to invest £30,000 and €20,000 (or the roughly £17,500) for long-term growth. Last year I invested some euros with Trading212 which was suggested in the forum. A relative helped me choose what shares to buy, but now it's not possible. I don't want to use a platform where I need to decide myself how to…
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Premium bonds bank transfer mistake
Yesterday I did a bank transfer to buy more bonds. Money left my bank account but nothing arrived to my bonds account. I called Ns&I and they asked me if I had entered the reference (my account) number.. I didn't !! although they said the money should go back to my account, I'm just panicking in case it doesn't Has anyone…
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