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Nottingham Building Society - new logo and branding
Hoping this means they'll be launching a couple of half decent products rather than just paying for some buzz word bingo makeover about a 'fresh new look' that most of us don't care about. We’re so excited to introduce Nottingham Building Society’s fresh new look, reflecting our commitment to inclusivity, progress, and…
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Why is N,S & I Savings Bank Customer Service so bad???
We opened an account with them in the UK and then moved to Spain and wanted to move money to Currencies Direct to pay for a house. Well firstly I had lost my password and so because I had also changed my telephone no. it asked me to firstly ring and change my password by phone. They ran through all the usual security…
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NatWest >1 payee with same bank sort code and a/c number issue
My partner now has an EA and an EA ISA with Charter. She uses the NatWest app and wants to have two payees, one for each product. Charter bank with Barclays so both payees will have the same sort code and account number, Charter then differentiate using the reference field which contains your Charter account number. Nat…
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Withdrawing from notice saving account
Hello,I've got a saving account and we had an email a few days ago recently regarding the interest rate reduction, the interest rate paid on my account will be reduced with effect from 16th December 2024.
Am I allowed to close the account and withdraw the full amount including the interest earned until now or do I still…
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Child saving account access when 25
Hello, I have been reading about child savings accounts/ISAs etc and they all seem to give the child access when they are 18. I really want an account that I can put money into but they can't access until they are 25 or older. Anyone know if there is such an account or how I can save money for them that they only get when…
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Teacher AVCs, long term Stock & Shares ISA investing, and independent financial advice.
Hi all, I have been doing a lot of research recently. I feel I may be at a point where I need someone to help me 'sense check', and that's likely to be an Independent Financial Advisor, but I'd only want to pay for the initial advice, and not an ongoing % for managing my portfolio. To answer the most common question of…
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Best bank rate with unlimited access with lump sum in excess of £100k
Hi, looking to find the best bank deal for a lump sum. Looking to just take interest monthly for the next 6 or 7 years. Could need the lump sum before that so don't want to be tied down in any way. Monument bank looks tempting.
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Cynergy Bank - IT Issues. Cant access their website. Is it just me?
Tried to access their website to Login. NO success, no matter what browser, what desktop pc (I have more than one), what operating system. Yet I can access all other websites from every computer. Called customer services and their response was basically "Its your problem, we're up and running, clear your cashe, put…
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Invest Engine
Thinking of opening an Invest Engine account. They are paying between £20-£100 bonus cash. As i've already used my ISA allowance for 24/25 elsewhere i only have option of Invest account. My query is, does the £100 funding requirement to qualify actually need to be invested in an ETF on the platform, or will just holding it…
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Gold ETFs
I can't buy any physical gold ETFs in my SIPP that are USD denominated, like SGLD, on AJ Bell. I only have the option of buying GBP denominated ones or those with higher than average fees. Does anyone know a reason for this? Should I move to different platform?
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Product That Was Available Similar To Options
Does anyone remember the name of the product you could buy in the nineties that was similar, but less volatile than options or futures, and perhaps longer term? I bought and sold some at the time and cannot remember the name. I am not sure if they are still available or have been phased out over time.
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Best way to make £150k work?
Hi, We are selling some assets and hoping to get about £150k to put into savings. It could be a bit less, but I think we can count on having around £100k to play with. This is all there is, we are not high earners and not currently able to save much on a monthly basis, so we want to be smart and safe about it. Savings…
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Unable to get sharesave money returned from Capita
I had a SAYE / sharesave scheme with Capita for a company I worked at circa 2014-2016. Obviously I appreciate that was a really long time ago. When I left the company, I was under the impression that the SAYE scheme would stay in place and that I didn't need to close it down at that time. Back then I was in my early…
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Balanced Commercial Property trust buyout.
I have a fairly substantial holding in the above trust which has been bought out by a private company. I’ve held them in the BMO savings plan for donkeys years. Although I’ve had all the info on the buyout and the vote is yet to happen, given the premium offer price I assume it’s a done deal, although I’ve been unable to…
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Nationwide InvestDirect post-paid envelopes
I have held an NW InvestDirect account for many years because, being a free postal account, it provides a convenient way to deal with any cheques I receive. Until recently, whenever I sent in cheques, NW would send a statement with a new paying-in slip pre-printed with my account details, and enclosing a replacement…
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Confusion over GBX limit orders
Following a share save issue I listed the shares on a LIMIT ORDER sale however due to my inexperience and the none clarity of the document the shares were sold at GBX value My order was listed at 2.75 me thinking £ but the company sold them immediately as took the value as 2.75 pence. I was informed by two employees of…
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Where to put sports clubs surplus cash?
I've recently taken over as treasurer of a local sports club, and we're in a very privileged position that we have a 5 figure surplus of funds that we don't really need to access. It's currently earning us 0.75% in interest and I'd like it to work a lot harder. Anyone any experience of products that a re available for…
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Cahoot Sunny Day Saver
Has anyone closed their Sunny Day Saver and successfully reopened for a further 12 month term? Thanks
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SIPP providers accepting single company shares
Is anybody aware of a SIPP provider who will accept the transfer of single company shares into their scheme please?
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Is it realistic to retire on a monthly income of £2000 per month with no rent or mortgage to pay?
All these figures are adjusted for the average UK inflation rate of 2.82% per year for the next 20 years. I've been messing around with some investing calculators and just trying out some numbers but based on my personal calculations, assuming an average 8% market return per year, I could retire at 55. Then if I withdraw…
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