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Dividend Income
A quick, and probably, straight forwards query. For the first time we are going to invest in to a GIA and I'm trying to get my head around whether the income will be interest or dividends. A Money Market fund will be interest, I get that, but what about Bond Funds? Is the income form those classed as interest or dividends?…
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Self-assessment - dividends and Capital distributions questions
I have just received my consolidated tax certificate from a unit trust.The Dividend columns are Dividend, equalisation and amount reinvested - do I put the dividend amount in the SA? And the Capital distributions - where do I put this figure? Thanks in advance
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Ever more difficult for foreigners to open bank accounts and savings accounts!
With the rise of AI it has at times become almost impossible for a foreigner, legally in the UK to open accounts anywhere. Even simple things like changing a nominated account has become a nightmare and, in my case, and I am sure in the case of a lot of other foreigners like me, with the right to reside in the UK, in my…
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Next steps as Google wont fix
On 16 July, a crack started forming down the middle of the inner screen on my Pixel Fold. It began as a black spot and spread within hours. The phone wasn’t dropped or mishandled. This was clearly a defect. I’m in the UK, so I sent the phone to Google’s repair centre in Poland. i bought the phone from Google directly…
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Clarity in default reporting
Hoping to get some clarity on how these are reported as it seems every lender does it differently! In Sept 21 I went bankrupt. some lenders reported accounts satisfied in sept 21 (which I thought was correct) some lenders continued to report the accounts as being in default until Sept 22 (when bankruptcy is discharged) I…
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Can I sue a credit reporting agency
I had an issue where Transunion incorrectly put 6 missed payments on my credit report. After 5 months of investigation they finally admitted it was entirely their error and removed these inaccuracies. Before the fault I had a 990 credit rating, it dropped to 600 with the fault, I was rejected for a mortgage had credit card…
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DCBL Notice of debt recovery
Hi, Sorry to bother you all, for what i know must be your umpteenth time of answering something like this. I have read through the newbies FAQ and im just a little confused/overwhelmed of what my steps should be right now. This morning, i received a notice from DCBL regarding a parking charge. I think i may be too new to…
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Fiver Friday Challenge 2025
Hello all, I've previously taken part in the 365 1p challenge but due to a change in work circumstances I won't be able to participate in 2025. Instead I'm going to try Fiver Friday where I'll attempt to put away £5 every Friday into a savings account. Should mean I have £260 by the end of 2025. I couldn't see a thread…
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Beat My Quote! Travel Agents Thread
What’s this about? This is a special thread where you can ask all the Travel Agents and MoneySavers who frequent this board to beat a holiday quote you have and get personalised replies. The idea is to see if someone can beat a quote for a specific holiday; not just a general price. So you need an exact quote. E.g. "I've…
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Is High Taxation influencing your retirement date or plans?
I know I’m fortunate, but the income tax rates / bands and fiscal drag have actually pushed me to reduce days a week and abandon higher bonuses; as it’s simply not worth it. This will be compounded if pension tax relief is messed with. Example; Does anyone remember the senior Doctors & Consultants refusing additional hours…
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ISA transfer experiences
My most recent experiences. First the bad and the ugly: * Monument to Santander. The request had to be made on paper, which I handed in to a friendly Santander employee in Branch. 6 weeks later, there had been nil progress as the form apparently "didn't reach the right department" (in Santander). This means I missed out on…
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Natwest Additional Borrowing
Hi i got a reply from natwest after applying for £80,000 additional borrowing for home improvements. What do i need to give them because mostly quotes from builders are by mouth only and hand written. Feeling very confused what to give them. I told them it will be for extension, kitchen, electrics and plumbing. Starting to…
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Android web browser app updates.
Hi Android Google Chrome browser app (and some others) won't have updates after v138 unless the device has Android 10 OS (or higher). v138 will still work OK for now, just no more updates. For updated browsers with an older Android OS then Mozilla-based ones are OK. Examples... Fennec F-Droid, Firefox, Firefox-Beta,…
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ISA Transfer from T212 to Shawbrook
Just wondering if anyone else managed to transfer from t212 to shawbrook, so I filled in the relevant forms and sent them to there email address, got an automated message saying would get a response within 5 working days, and its been 9 days without anything. I contacted them via the phone number and get promised a call…
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Issues with new (Used vehicle) Garage playing up.
Hi all, I bought a used car in May this year (collected 17th May). The car then sat until the middle of June as I still had my company car at this point. When I started using the car in July it seemed ok to start with but I started noticing a bit of smoke coming from the rear of the vehicle after being stationary for a…
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Loosing council tax reduction due to migration to UC
Hi everyone, any help here would be appreciated. I recently received a migration notice to move from ESA to UC (I also get PIP enhanced on both components). I made my claim and I now receive both ESA and UC (UC reduced by ESA pound for pound). I am in the limited work and work related activity group. I have been told I no…
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EA Contract help with understanding clauses
Hi All, we are in the process of changing estate agents for our own reasons. the previous agent got us say 10 viewings / introductions during their term. we selected a new EA and they sent the contract over and I am confused by the wording mainly in the section about sole agency. I’d really appreciate some help…
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Z's MFW journey
As I've been watching the MFW forum for a while, I thought it would be good to start my own thread. We bought our current house in summer 2022 and owe £126,000 on the mortgage. Hoping to pay this off before 2028 as we'll be 40 then. We're on a 2 year fixed deal until Sept 2024 at 2.64% on a 30 year term. Obviously a bit of…
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Transfer forms
Hi Land Registry, We need to update our house ownership with the Land Registry. It's currently registered in the names of Mum (since deceased) and my sister as Tenants in Common. We need to register it as Tenants in Common between my sister and myself IN UNEQUAL SHARES (2/3 and 1/3). We have had a Declaration of Trust…
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Car dealership acted as broker
Hi, I am looking to make a claim and I am just trying to understand the claim that I would have for my individual circumstances.. the car dealership acted as the broker because when I applied for a car loan via them I was declined due to having a poor credit rating. The dealership then said it’s ok we will offer you a loan…
