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Birmingham Midshires Dormant account now with LBG
as POA to MIl have found a letter broom Bham Midshires from June2010 for a bond with a very substantial balance that MIL and family are aware of and no other paperwork found. Registered with Mylost account and within 24 hrs has a Not Found reply. In the comment I have advised the account details, exact letter wording and…
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Can I trust Monefi?
Hi, I am currently looking to invest a sum of money (part of our pension fund) with Barclays via Monefi. I know they are a relatively new comer to the Financial Services' market, but don't really know if I am taking a major risk by going via them?! I am looking at opening a Bank bond which I know is safe and protected by…
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Review of the Financial Ombudsman Service
The government had announced a review of the Financial Ombudsman Service and is seeking views of their proposed changes https://www.gov.uk/government/consultations/fs-sector-strategy-review-of-the-financial-ombudsman-service At a quick glance, several of the changes may lead to less favourable outcomes for customers.
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Digital regular savings account
I have this account with my bank paying higher interest up to a max balance of £5,000 thereafter it drops to 1%. What happens if I stop making regular payments at the limit ?
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What's the advantage of a SIPP?
Hello everyone, I just typed 'SIPP' into the search bar, and have a lot of results to go through, but I thought I should try and ask my question, in a clean thread. I've never had a SIPP, and never really earned enough to be bothered. But I have mentioned in the past I have some inheritance I'm trying to make the best use…
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Declaring interest on fixed term savings accounts (non ISA)
My partner and I both had identical one year savings accounts with MBNA starting in March 2024. Mine ended in March 2025 and my interest will be declared in my next tax return. However, my partner opted to 'renew/extend' his savings account so the interest accrued became part of the new principal amount saved. Our question…
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Query Scottish Friendly Policy Maturity
Can anyone who has recently claimed their policy payout on maturity from Scottish Friendly advise whether you did have to send in your original policy document. Letter and forms said yes but customer care (who also stated they didn't know how each policy worked) stated that I did not have to.
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Investing my Inheritance Money
So I've been fortunate to inherit £160k from my grandparents, the money is currently in an interest savings account. I have a 37 year mortgage at 4.59%, and money being paid into a workplace pension scheme by my employer and also a private pension. With the money i obviously want invest to invest in other such as stocks…
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Advice on savings and ISAs
Hello everyone, I have recently managed to pay off some debts I had and I'm finally in a place where I can start saving consistently. According to my budget, I should be able to save around £700 a month. I already have a Save to Buy ISA (I opened it about 5 years ago when they announced they were going to stop the scheme),…
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Is Apple’s Numbers a safe app to use for financial spreadsheets?
Would you use Apple’s Numbers app to store your financial information on? If not, why not and what do you prefer to use for such things?
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Where and how to place ‘trust’ monies
Long story short: MiL and FiL jointly owned house as tenants in common. FiL passed and will allowed MiL to stay in property or ‘use’ sale proceeds to purchase smaller as required and his share would be shared out when she finally passed. MiL sold house bought smaller flat with all FiL’s share being used to purchase flat,…
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X-O (Jarvis) online platform to close in the summer
Most accounts (including ISA accounts) to transfer to Interactive Investor. Information here:- https://www.x-o.co.uk/faq.pdf
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How should I invest my Inheritance money?
Last year I inherited £10k from my grandparents. I have had it sat in a savings account with an interest rate 4.72%. I own a stocks and shares ISA with vanguard (worth around £20k currently), in which I invest a few hundred every month into either LifeStrategy® 60% Equity Fund - Accumulation or LifeStrategy® 80% Equity…
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Transferring shares from SAYE sharesave scheme to wife's ISA?
What’s the actual process to transfer share certificates to a spouse? Can I just give them to a spouse for them to deposit them into their own S&S ISA? The share certificates will be from a SAYE/shareshave scheme - managed by Equiniti. The S&S ISA will be provided by IWeb.
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Taking out Cash ISA money from Trading 212 account to Easy Access savings advice
Asking for my relative, who is not working/not receiving any other income and 50 (i.e not receiving pension anytime soon). I helped them set up and transfer their previous years of Cash ISA to Trading 212 recently but the rate has dropped to 4.36%. As far as I know this is a flexible ISA so I was wondering if I can help…
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Pay.off & invest or not pay off & invest?
Hi all, Just wanted your opinions on the following. A few weeks ago I was extremely lucky to win a competition that resulted in a considerable 5 figure sum hitting my bank account. I immediately paid off 2 bank loans that freed up over £550 a month. I have invested the remaining amount into a stocks & shares ISA that is…
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How will my cash ISA work?
I put £4k into a cash isa last tax year at around 4.2% interest. It was with the bank that I bank with already. This tax year, I transferred this amount + an additional £9k into their new fixed term (1 year) isa. Does this mean I've used £13168 of my £20k allowance? Should I have perhaps opened an isa with a different…
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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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Nationwide Member Exclusive Bond
This year's bond is similar to last year's. 5%AER over 18 months. Maximum £10k. Down on last year's 5.5%.
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bonds / gilts
Looking for a way to invest cash outside of the stock market, rates are above inflation but have been thinking about looking at bonds. Im unsure about where to start looking at bonds, any recommendations?
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
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Most recent: Virgin 1 Year Fixed Rate ISA 5.05% by flaneurs_lobster
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