-
Has anyone had experience of James Hay Partnership?
I'm really struggling to get James Hay to transfer over my late father's pension to my mother. They don't allow you to speak to the Claims Team, the Contact Centre will only message the claims teams, they don't answer the questions asked of them, even by email and the complaints department aren't responding. I'm at my wits…
-
Transfering EQi sharesave to a S&S ISA?
I've got a works sharesave scheme due to mature soon. I'd like to transfer them to a flexible S&S ISA and then sell the shares in order to receive the money. My understanding is that I need to select the 'keep the shares and receive a share certificate' as the option once they mature. However, what S&S ISA providers…
-
Lumiona's MFW Diary
As a forum lurker, I'm not a threadstarter but I figured like many of you that a diary is a good accountability method. Ok so here goes: Backstory, we moved to our current house in 2006, bought for £178k mortgaged at £130k for 30yrs. Interest rates were high monthly payment about £750, went up to nearly £900 at one stage.…
-
Will DRP ever stop sending me fanmail?
I know there is the FAQ and I of course have no interest in paying DRP in any capacity at all. I just want to know if they will ever stop. I had a parking invoice around 7yr ago which I didn't pay, and never heard a bean same as most firms. 6 Years and 4 days later, (10, but dated that) I got a DRP letter that the firm had…
-
Part Settlement Offers
Hi, Been ringing round creditors in my DMP regarding part settlement. One has agreed to 20% just off phone call. Generally average is 50% One only offering 80% One will only consider anything after income report. With the 50% + ones, how might try to reduce more? Some said this is our final offer - shall I send them a…
-
LGPS AVCs, worth the higher fees & lack of fund choice for the tax free lump sum on exit?
Hello, I think I've decided to start saving into my LGPS AVC option with the Prudential instead of into my SIPP, because my pension scheme allows me to take that AVC pot tax free when I retire. But I'd love to sense check this with someone else, please? In a nutshell: since I can take all of it tax free when I retire, it…
-
Progressive BS 2FA
So I opened a 1 year Fixed Rate Access Bond with Progressive BS earlier today. I got through the selfie and upload a passport stage and got to the page about 2 factor authentication where I had two choices. First I could download an authenticator app to my phone or I could use WhatsApp. My mobile doesn't download any apps…
-
Link to O2 refund (after migrating) not working?
I received an email from O2 concerning a refund after I cancelled my contract last week, as I assume others have: "We would like to send you a refund of £1.54. Please sign in to or register for My O2 here and provide your bank account details." The link does not seem to work. It is only a small amount but I am going to…
-
Air Fryer - which is best ?
Wife wants an Air Fryer It needs to be a dual drawer (we think !) - vertical (small kitchen) Which is the one to buy ? Ninja is a little too expensive (£270)
-
PCN from Marketplace Shopping/Waitrose Car Park in Burgess Hill
Hello, I was visiting Burgess Hill and decided to go to Waitrose. Since it was a supermarket, I did not even think to look for how much/where to pay etc, and I did not notice any glaring signs with prices on. I was there 22 minutes and then left. A few days later I went and parked in a bay that had a sign (not all bays…
-
Parking charge notice. Parking attendant present, no notice to driver.
Hi, I've had two parking charges for my new leased car, parking in the car park for my flat. Each time was because I parked in the space next to mine because someone had taken my space. Super annoying, but technically a valid charge according to the conditions of the car park. However, each time: 1. The charge was issued…
-
My rights as a power reserved trustee
Hi everybody. Before i start can i say that i am trying to see a solicitor regarding my situation but i am struggling to get to see anyone for at least a couple of weeks so wondered if anybody on here would be able to help. My father died 2 years ago and left his share of the house in trust for my brother and myself. The…
-
MoneyFarm cash ISA
This provider was on MSE best rate variable rate ISA last week but hasn’t appeared this week I was wondering if anyone has had any dealings with this investment company[ I am calling it this as from all I have read it is not a bank ] It is covered by the FSCS and has a good rate of 4.42%’
-
Dangers of BNPL
There is an article in yesterday's NY Times about the dangers of Buy Now Pay later. I know it is based on the American financial system but I am sure some of the tactics used by the BNPL companies will be universal. The comments are interesting, especially those ones where the article's author has replied to the comment. I…
-
Can a faulty meter correct itself?
I changed my supplier They took the 1st reading from the smart meter and 1 four months later. It then stopped sending readings I submitted a reading 12 months later and the usage had been in line with my historical usage. 7 weeks later I tried to submit a reading which it refused to accept. I later found it showed usage of…
-
Do I really need a Executors Account
Hello, I am currently needing a bank account to put money into. My understanding is that you don't need an Executors Account, but to just keep money separate in a different current account? Some background: The estate is quite large at about 800K and there are four beneficiaries including myself and only one executor.…
-
Away From The Madding Crowd
Hello and welcome to my little part of this wonderful MSE
community. For almost 10 years I have read
the contents of various forums seeking advice and inspiration regarding a
multitude of subjects. The help and
knowledge that I have gained cannot be underestimated and there are literally
too many people to thank…
-
Car Breakdown Discussion
This discussion is specifically for you to feedback on Car Breakdown cover Please first read the Cheap Breakdown Cover Click 'post reply' to have your say and let us know if it's about home or car cover To discuss other issues please use one of the following: Car Insurance * Car Insurance General Feedback * Report Super…
-
Smart Overstay
Hi guys, my sisters had one from Smart for an overstay at a McDonalds.. She bumped into an old friend and got chatting whilst their kids played on the tablets they have in there. The ntk doesnt even specify any contravention or why the charge was issued, it just states location, arrival time, departure time, duration of…
-
In specie Sipp transfer
I’ve requested a transfer from Charles Stanley direct to AJ Bell, it contains crystallised and uncrystallised funds - there are only two investments, HSBC ftse All world index inc. and Royal London Short term money market fund inc. plus a few hundred in cash - CSD charge £180 + £10 per investment for the transfer out but…
