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YBS online and deposits by direct debit
I'm one of those with a legacy web saver account (from when YBS took over Egg) which has the facility to make deposits by direct debit. With their new online banking interface I can't find the relevant menu or page to manage the direct debits. The current active dds are still being pulled, but how do I amend them? Or…
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Capital Gains Tax Allowance and stocks
The tax free allowance for capital gains is £3,000 a year. If I buy stocks for £10k and they have gone up to £15k and I then I sell for £3k to take them out. Have I then used my capital gains tax allowance? Is it a smart thing to do to get £3k a year?
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Any experience with Chetwood bank? or Monument
Hi all, I'm just wondering if anyone has any experience with Chetwood bank or Monument and whether or not you would recommend them? I cant seem to find much about them online at all. I need to split some money between a couple of savings accounts. The others I have been considering are Vanquis, Oxbury, OakNorth and Atom.…
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Chetwood Bank reliability
I am ready to invest a 5 figure sum in fixed savings account with Chetwood but seen in a dreview that they do not issue Tax Statements of interest which is unusual. Any one have an opinion as to why this should be so?
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Where to put £150,000 for 6-8 weeks
I'm expecting a lump sum death benefit pension payment and I'm going to use it to pay off my mortgage. Any thoughts on what to do with the money between receiving it in my bank account and the date I can pay off my mortgage?
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HMRC interest paid query
I like to think I keep very good records of interest that I'm paid, and I've received a notification from HMRC that they think I received about £300 more in interest in 2024/25 than my own records show, and they've updated my tax code accordingly. It's possible that I may be wrong, but I'd like to know, before I spend an…
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Trading212 dd not honour the £30
Hi everyone, Just wondering if anyone else has had issues with receiving the £30 - after signing up through Martin's promo offer link, trading212.com/join/MSE30. I contacted their support who said that there was no record of the promo code, and that it had exceeding the period since signing up and refused it. All the best
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Personal and savings tax allowance questions
Having just retired I'm in new territory so would appreciate some advice on what are probably pretty basic questions, before I bother my very busy accountant... This coming new tax year, and for the foreseeable future years, I anticipate being able to access savings interest of approx £40k per annum; I also receive full…
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MSE Chase 4.5% Headline figure
Why are MSE still advertising this headline figure of 4.5% for Chase savings account for new customers when they have already reduced it for me. I took it out and its now 4.2%!
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79th Group investment
Looking to see if anyone has had any success, or positive progress, in recovering their investment, following the collapse of the 79th Group?
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Notice Accounts
I can't see any dedicated thread for Notice Accounts, so here we go. My question for all knowledgeable people in this forum is whether anyone has any experience with Allica Bank, I currently have a Zopa smart saver account and, so far, can't fault them really, but Allica are offering 2% for 95 days notice compared to…
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Where to park my money
I am looking to minimise my tax on my savings interests and investments. To minimise CGT, I am planning only to sell when I can move my investment into S&S ISA. In terms of ISA allowance, for April 2026, I am planning to use money from my savings account to invest into a S&S ISA. For April 2027 ISA allowance, the options I…
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Interest on fixed rated bonds
I’ve just had issues with Nationwide and their handling of tax on my 3 year FRB. They credit the bond annually with the interest for that year, and tell HMRC that i have received this. However i can only access the money on maturity. I have put down the entire 3 year interest payments this tax year, and didn’t realise that…
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Unable to login to Raisin
Raisin keep sending me nag emails telling me my monthly account statement is available. This is despite the fact I have not held an account with them for years. So I tried to login… After entering email address & password followed by 2FA, I get this:- The 'Confirm' button remains greyed out so I am unable to proceed. I…
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iWeb Change to Scottish Widows
I've just logged into my iWeb account and noticed a banner that they are now going to be known as Scottish Widows sharedealing which will also give access to the Scottish Widows app. https://www.iweb-sharedealing.co.uk/changes.html I wonder if this name change will increase their reach and profile to gain more customers…
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ISA yearly allowance
EDIT - Has now contacted share dealer. EDIT - Finally believed £20 limit, reversed 2nd ISA. As I read it, you have a £20,000 allowance to put into any combination of different types of ISAs. My partner put £20,000 into a cash ISA earlier this year and has today opened a Shares ISA "using" (maybe, I know nothing of shares.)…
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How to sell my paper shares?
Hi, I wonder if anyone can give me some advice please? I bought some shares about 25 years ago. I have the paper certificates. They are worth about £1k. What is the best / easiest method of selling them? I want to get the cash and reinvest it somewhere else. Thanks in advance.
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Help to save regular payment not showing in help to save account
I set up a regular payment (standing order) to leave my bank account. I copied the account number, sort code and reference exactly as it was. It needed a 'name', so I saw people on here had just named it something like HTS so I did and it came up 'it's a match' on my banking app. Anyway, the money has left my bank account,…
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Savings Account for someone in a care home
Hi, My Mum is in a care home suffering from vasculal dementia and my brother and I have recently sold her house. The money from the house sale is sitting in Mum's Virgin Money current account. My brother and I both have Power of Attorney, so I imagined that creating a savings account with Virgin would be relatively easy.…
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SAYE Options
Hi, I’m in need of some financial advice please. In the next few weeks I have a SAYE policy maturing. The current value is over £25,000. I’d like to keep the shares and know I can transfer the shares to a stock & shares ISA, as long as I do an In Specie transfer.…
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