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Common Gripes Opening Accounts
I currently have fixed rate savings and cash ISA accounts across nine banks and open around two new accounts per year. Here are the common gripes I have when opening accounts with banks for the first time: 1) It's often never clear if I can send a test payment (of say £10) to satisfy myself that the payee details are…
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Inheritance money
So they managed to sell house it now been sold 3 weeks. The money is going to both daughters but they are sharing it with there daughters. Will they send the money to my partner or does a solicitor? Just wondering if there’s any more delays after the move in date to get the inheritance money?
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Pension - Notification of Reduced Annual Allowance ??
I am retired and dont have an income other that money that I take from two private pensions (one is defined contribution and one is defined benefit). I have just taken my first payment from defined contribution scheme and started taking payments form the defined benefit scheme late last calendar year. I have received a…
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Inheritance money
So it’s been around 5 months and the house isn’t on market yet will it take much longer? We are due some inheritance money but sadly the house isn’t on market yet some people say it takes years now some say less time any ideas?
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Sanctuary Bond from Equfund (IPS) Ltd.
I purchased this bond in 2020 and it was due to mature October 23. I received the first two year's interest payments on time but not the final year's interest or capital, despite many phone messages, emails & letters. The organisation purports to provide affordable housing and are still issuing application forms for…
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Help - Property Investment Partnership
Has anyone had any dealings with this company. We are thinking of investing some of our tax free pensions into this company who offer a good % on fixed terms they are not FSCS registered but are the sister company of Insight Financial Advisors TIA
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Royal Mail Shares now IDS
I have received some post today about these shares using their new name. I am being asked to vote/agree to something but it's as clear as mud what that is. Has anyone else had this? If so, can you tell me please :- Am I being asked to agree to the transfer of my shares to the new company? OR Are they asking me to sell my…
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COOP Regular Saver
I've mistakenly paid too much into my COOP Reg Saver this month. Will the whole payment bounce back or just the amount over the limit? How long is that likely to take does someone know? Thanks
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AJ Bell or Hargreaves Lansdown (or elsewhere)?
I'm very much a set it and forget it with the investing. Every so often I'll have a look - am I paying over the odds, should I invest in anything else/instead of etc. My Lifetime ISA is with AJ Bell. I can't remember exactly why I went with them years ago but it must've been to do with cost & availability. I could invest…
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Should I move money out of T212 to Plum? And what to do with extra cash?
Hi everyone, I currently have about £75K in my T212 ISA and I'm getting 4.35% AER I can also put in £26K for this tax year as it's a flexible ISA and I withdrew some recently. I also have about £80K available which I haven't put into savings yet. Right now in my T212 account it's all cash, but I like the option of being…
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What happens to my bank account savings if I die?
Sorry if this is a bit morbid. I'm curious to know what will happen to all my savings in my various bank accounts if I die. I have my savings in cash, Premium Bonds and Royal Mint DigiGold. Most of the cash is in banking app accounts such as Chase, Revolut, Raisin, Moneybox, etc., that only I know about, on my phone, which…
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Maximising interest with 2 high rate savings accounts.
I want to maximise the returns on £6000 I have saved. while researching I found that for 1 year I could use: MoneyBox easy access ISA variable 5.05% Santander Edge saver 6% variable (balance limit of £4000) Principality Regular saver 7.5% 6 months fixed (£200 p/month limit balance limit £1200) If i put £4000 in the edge…
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Premium Bonds Suck
After 35 years with a maximum Premium Bond holding ... and having had no wins of any note ... I've finally come to the conclusion that enough's enough ... This month, I won only £50 with my £50,000 holding, which by my "reckoning" is a 1-ish % return ... And one week after the draw, i STILL haven't received my money ... On…
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Business Savings Account
hello all! looking for the best easy access business savings account. this will be for an LTD company that another company also need to pay into. Thanks!
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Is this company legit?
Hey, Thank you for your time. My friend and I have made some savings and we are for the first time interested to invest in gold coins. We've come across this company The Pure Gold Company Ltd (registered as The Pure Gold Group Ltd on companies house). They only trade online and that's how all the companies have evolved…
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Resolved
Query resolved
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Bank miscalculated interest due at end of fixed rate investment - Lessons learnt?
Dear MSE members, At the end of a Sainsbury's Bank, 1 year fixed rate savings account, the interest credit to my account did not seem correct. For ending investments, I do some ending processes, which include checking the interest received calculation.So, at the end of the year, I spreadsheeted several different ways to…
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Shareholder Tax on outstanding Dividends over several tax years
I’m assisting an elderly relative and don’t know what to do regarding this situation. My aunt has quite small certificated shareholdings in UK equities and has always had dividends paid via cheques. Unfortunately she hasn’t been paying them in and so the dividends need reissuing.I’ve been helping to get these paid directly…
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SO for Premium bonds
Has anyone set up a standing order for premium bonds? Looking to do this for my OH's account having just remembered he has a small amount. Can you do this via online banking? A quick look earlier suggested taking a form into the bank. What date would you suggest putting for the SO to leave your account? To avoid weekends…
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Best current interest rate for a charity account
Hallo All. Please could someone suggest where the charity I am involved in can get the highest rate of interest. We want to save some for later projects, while keeping some that we can use straightaway. At present we have a charity account with Leeds offering 2% with no notice of withdrawal needed.
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