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Anyone else having issues logging into NSandI?
Just tried via Safari and I seem to login ok but as soon as click on anything it says logged out as you pressed back button (I didn’t). Then tried in chrome and it gets to OTP entry and thendoesnt even log me in but refreshes back to login page.
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How do you interpret "Interest is paid annually" for a savings account?
Hi All, A quick question - if you're about to open a savings account like this one today and it says "Interest is paid annually" here, when would you expect it to be paid next time?
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ZOPA WITHDRAWALS
Anyone else having problem with Zopa withdrawals today. Still showing as pending a couple of hours later.
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Govt Child Trust Fund
I had one child given 2 amounts and the others only received the one payout due to date of birth. I invested all in same places and took guidance from MSE, moving them around about 5 times. One ended up under £700 and the other 2 around half this. I am a bit bemused by hearing that some ‘children’s’ are worth nearly £2k. I…
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SIPP annual allowances
As i understand it the SIPP contribution allowance is 100% of income up to 60kSo for a self employed person the income figure is their taxable income which may include savings interest too?
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Trying to Locate Old Cheltenham & Gloucester Account
My father setup a savings account (as trustee) for my son with Cheltenham & Gloucester in the late 90's. Since my father's death a few years later we have lost track of the account. Given Lloyds TSB took over the C&G accounts but then split in 2013, it could be with either. We have contacted both TSB & Lloyds (along with…
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Upcoming budget - how soon can measures take effect?
There's a budget coming up on 30 October. As a rule, how soon after a budget do measures announced therein take effect? I don't mean unavoidable things like fuel tax rises but costs that we can take steps to avoid. Would there be time to take those steps after the budget before the new measures kick in or should we now…
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Any eToro users - significant changes to fee system to be aware of
In case any eToro uses here. They are adding flat fees for every stock trade from August 11th. UK and EU customers do not all appear to have the email yet, but US ones do, but it applies to all users. Charges are $1 to open or close a trade. So $2 to open and close a position. Sounds like it is very little, but they have…
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Understanding HL fees
I've got a SIPP with HL. I read this page: https://www.hl.co.uk/help/income-and-fees/fees-explained/annual-charges Now, in the SIPP section, it says I pay 0.45% on my first £250k. Let's say I have £250k in a SIPP, that would be £1125 p/a in fees. However, someone told me that if that SIPP is invested only in either shares…
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Question about Corporate Bond funds
Hi, a newbie here and I'm just wondering if people agree with my analysis? My income portfolio has a higher percentage of equity based funds and trusts, such as City of London Investment Trust, however I also hold some bond funds; Royal London Sterling Extra Yield Bond, Henderson High Income and Invesco Bond Income Plus.…
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Investment with Meteor Asset Management Ltd via Financial Options (Isle of Man) Ltd
In June 2008 I invested £100k in a Structured Product from Meteor Asset Management Ltd via my IFA Financial Options (Isle of Man) Ltd on an advisory basis & they classed me as a 'Retail Client'. The Product Terms & Conditions stated the counterparty bank would be "S&P A+ or equivalent from a similar ratings agency" (the…
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Capital gains and lost paper trail
Hello, I'd be grateful for some advice. My husband has made some capital gains on shares. However the original sums were invested over 25 years ago. They have passed through multiple brokers and he does not have a record going back so far. What should he do?
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Help with transferring shares from my late father...
My father passed away back in May, and the probate process has just completed. My father had shares in a few companies (about 8 companies). My late mother who passed away in 2020 also has shares in the same companies (I also have grant of probate for her estate). I have the Shareholder reference numbers for all of the…
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New APP payment protection scheme rendered pointless due to fineprint?
I received an email today from HSBC describing the new APP (authorised push payment) protections financial institutions are now required to provide. In a section for "What the new rules won't cover" is this bullet: * You've ignored warnings provided by us or the police that the payment was likely to be a scam. While that…
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Has anyone used Gretel?
Apparently Gretel is a free service to claim lost investments, accounts & pensions etc. I haven't come across them before & wondered if anyone had used them at all. The free service & handover of personal details always makes you wonder. Any info greatly appreciated, thanks.
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Kent Reliance Building Society
Any tips on how to get in touch. I've sent 3 secure messages at weekend, but each time 'send' is hit I get booted out back to log-in, not sure if message 1 sent so tried again, & again! This morning I can't see if any of the messages were received by them so I rang, used the ''select call back to keep place in queue",…
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Trading stocks - move SiPP and ISA from AJ bell to Interactive Brokers
Hey, AJ bell have been a disaster for the past months and I can never buy any shares of companies that I want to invest in (some are in the US). Has anyone made experience with the Interactive Brokers Sipp and Isa, especially when it comes to trading shares? How are the fees and service? thanks
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ISA matures into flexible one - Ability to withdraw and repay previous years subscriptions
My fixed ISA is due to mature this month, and one of the maturity options is for it to move into a flexible ISA. It is made up of three past years subscriptions. The key facts advises that the money can be withdrawn, and repaid in this tax year without loosing the ISA status, but it also advises that if the ISA is…
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Get a new mortgage rate or just pay it off?
I have a plan. Or should I say, I had a plan. As with many great plans now that the moment of truth is coming I'm starting to doubt myself and have second thoughts. Here's what the plan was: BTL mortgage on interest only: My very low interest rate is coming to an end in a few months and the plan is to pay off my…
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80K Savings question
Hi all, Bit of a saving newbie, would appreciate some advice. I have recently sold my house and have 80K that i'd like to place somewhere to accumulate until middle / late next year when i'm in a position to purchase another house. What places would you suggest i place this money that is protected, going to work hard for…
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