Search found 131 matches

by yorkshirelad1
October 8th, 2019, 9:55 am
Forum: Biscuit Bar
Topic: Shut disgraceful online forums, says Sirius boss
Replies: 5
Views: 497

Shut disgraceful online forums, says Sirius boss

Shut disgraceful online forums, says Sirius boss
Times. October 8 2019
https://www.thetimes.co.uk/edition/business/shut-disgraceful-online-forums-says-sirius-boss-760zp53wk
(sorry, paywalled, but you get the intro for free)

Someone's not happy......
by yorkshirelad1
September 18th, 2019, 10:55 am
Forum: Does anyone know?
Topic: Telephone Cold calling
Replies: 26
Views: 1607

Re: Telephone Cold calling

I believe BT Call Protect offers a similar service free of charge It doesn't work terribly well. I've lost count of the number of times I've tried dialling back "Microsoft", "Windows technical department" etc only to get "The number you have dialled has not been recognised&...
by yorkshirelad1
September 18th, 2019, 10:40 am
Forum: Does anyone know?
Topic: Telephone Cold calling
Replies: 26
Views: 1607

Re: Telephone Cold calling

I signed up for BT Call Protect thinking it would solve my nuisance calls problems. It took me a little while before I realsed that it was barring calls from the number(s) that HMRC use to send me the code to enable me to log on to the HMRC website for things like PAYE, Self Assessment tax returns ...
by yorkshirelad1
September 13th, 2019, 11:09 am
Forum: Does anyone know?
Topic: Not informing banks of a death
Replies: 11
Views: 1427

Re: Not informing banks of a death

I think this is a DAK, but if anyone wants to move it to Legal Issues, please do so. A woman died recently, and her husband is sorting out her bank accounts and stuff. She has one account (Santander) that has direct payments (mostly dividends) into a few times a year. Her husband went into the loca...
by yorkshirelad1
September 12th, 2019, 10:43 am
Forum: Investment Strategies
Topic: What's your investment personality?
Replies: 38
Views: 2395

Re: What's your investment personality?

Opinion hunter
by yorkshirelad1
September 12th, 2019, 10:19 am
Forum: Cars, Driving, Motorbikes or any Transport
Topic: Windscreen frost covers
Replies: 30
Views: 1762

Re: Windscreen frost covers

This winter I'm keen to explore the usefulness of windscreen frost covers for those winter evenings where a deep frost is likely. Has anyone got any personal experience, good or bad? Any recommendations that deliver good value? Cheers, Itsallaguess and for those people that like to run their car en...
by yorkshirelad1
September 12th, 2019, 10:09 am
Forum: Beerpig's Snug
Topic: EE scam texts
Replies: 15
Views: 1228

Re: EE scam texts

Chose this forum to hopefully make maximum number of people aware. My wife received a text today, apparently from EE, saying there had been a problem with the monthly payment, containing a plausible looking link "EE-somethingplausible" for her to click on, and log in. She clicked on the l...
by yorkshirelad1
September 8th, 2019, 12:36 pm
Forum: Bank Accounts Savings & ISAs
Topic: NS&I rate change
Replies: 0
Views: 266

NS&I rate change

wef 2 Sept 2019

NS&I MAKES CHANGES TO ITS FIXED-TERM PRODUCT RANGE AND ISSUES PROVISIONAL Q1 2019-20 RESULTS

https://nsandi-corporate.com/news-research/news/nsi-makes-changes-its-fixed-term-product-range-and-issues-provisional-q1-2019-20
by yorkshirelad1
September 6th, 2019, 10:58 am
Forum: Legal Issues (Practical)
Topic: How long does probate take?
Replies: 9
Views: 1582

Re: How long does probate take?

Does anyone know how long it is likely to take to get probate at present? I have applied to the London Registry and the HMRC sent them a IHT421 over 2 weeks ago. The probate office is impossible to get through to on the phone, 99% of the time engaged and when you do get a line, nobody answers. Afra...
by yorkshirelad1
August 23rd, 2019, 10:26 am
Forum: Bank Accounts Savings & ISAs
Topic: NS&I ILSCs: consolidating
Replies: 6
Views: 1783

Re: NS&I ILSCs: consolidating

surely the solution is to allocate sufficient 'bonds' (accounts as now called) to each beneficiary as be of approximate same value to each. whether one receives 15 and other 7 cannot be important? if the beneficiaries wish to retain the bonds then differing maturity dates should not matter as 'roll...
by yorkshirelad1
August 23rd, 2019, 10:20 am
Forum: Bank Accounts Savings & ISAs
Topic: NS&I ILSCs: consolidating
Replies: 6
Views: 1783

Re: NS&I ILSCs: consolidating

I can’t comment on inheritance issues, but I have ILSCs. These were bought in three separate tranches and obviously have different maturity dates, so roll over at different dates into whatever deal is on offer at that time. I get one written statement listing all the certificates, with their maturi...
by yorkshirelad1
August 22nd, 2019, 10:31 am
Forum: Bank Accounts Savings & ISAs
Topic: NS&I ILSCs: consolidating
Replies: 6
Views: 1783

NS&I ILSCs: consolidating

Still struggling with NS&I and thought I'd post here in case anyone had any insight or experience or wisdom (there's usually lots here!) Am sole exor for my mother's estate. She had some (22) index-linked savings certificates (ILSCs). ILSC can be passed on intact to beneficiaries. There are two,...
by yorkshirelad1
August 22nd, 2019, 9:53 am
Forum: Taxes
Topic: HMRC in a forgiving mood.....
Replies: 7
Views: 2225

Re: HMRC in a forgiving mood.....

By contrast to the thread title the Daily Mail has a piece where the opposite seems to apply. https://www.dailymail.co.uk/money/taxbeating/article-7376787/Self-employed-face-losing-homes-innocently-using-tax-loophole.html That's HMRC taking action against those who used schemes where they "bor...
by yorkshirelad1
August 16th, 2019, 5:14 pm
Forum: Bank Accounts Savings & ISAs
Topic: NS&I Savings certificates "in trust" (executor)
Replies: 5
Views: 1832

Re: NS&I Savings certificates "in trust" (executor)

Thanks. Useful info! . AFAIAA NS&I Savings Certificates are tax free - full stop. In any case, for a bare trust, any tax would have been payable by the beneficiaries, not by the trust. That was my take on it, but I was being slightly devil's advocate, and it's good to hear that I'm not alone in ...
by yorkshirelad1
August 16th, 2019, 2:46 pm
Forum: Bank Accounts Savings & ISAs
Topic: NS&I Savings certificates "in trust" (executor)
Replies: 5
Views: 1832

NS&I Savings certificates "in trust" (executor)

Does anyone have any experience of using trusts for NS&I Savings certificates? I am sole exor of my mother’s estate and along with other assets she had about 20 index-linked Savings certificates (SC), totalling about £340k at the moment. The estate goes to two beneficiaries. SCs can be inherited...
by yorkshirelad1
August 16th, 2019, 10:59 am
Forum: Share ideas
Topic: Burford Capital Limited (BUR)
Replies: 128
Views: 5848

Re: Burford Capital Limited (BUR)

Today's IC (Fri 16 Aug) has plenty to digest on Burford ....
p.6 Editor
p. 11 News Spotligh: Burford still in the dock
p. 13: Bearbull: Against the flow

https://www.investorschronicle.co.uk/
(No connection with the IC other than as a reader)
by yorkshirelad1
August 16th, 2019, 10:01 am
Forum: Taxes
Topic: HMRC in a forgiving mood.....
Replies: 7
Views: 2225

Re: HMRC in a forgiving mood.....

HMRC never fail to astonish me. I suggest they are under-resourced at the moment and can't persue the 120,000. I have 4 tax reclaims in at the the moment for my family. 5 years ago these would have been processed and paid within a month. The oldest one was submitted on 23/4 and when I chased 10 day...
by yorkshirelad1
August 15th, 2019, 10:33 am
Forum: Share ideas
Topic: Burford Capital Limited (BUR)
Replies: 128
Views: 5848

Re: Burford Capital Limited (BUR)

And this discussion to me illustrates the point. In the 50 or so closely printed pages in their Annual Report purporting to explain what they do and how they do it, I am not really much wiser than the very broad idea that they finance litigation cases and share in the results if they won. I would n...
by yorkshirelad1
August 15th, 2019, 9:23 am
Forum: Taxes
Topic: HMRC in a forgiving mood.....
Replies: 7
Views: 2225

HMRC in a forgiving mood.....

From sharecast https://www.sharecast.com/news/press-round-up-short-premium/thursday-newspaper-round-up-british-steel-monzo-digital-tax--6940050.html (as the source is The Times and the Times has a paywall) About 120,000 businesses that missed a tax deadline will escape a fine after HM Revenue & ...
by yorkshirelad1
August 12th, 2019, 4:05 pm
Forum: Biscuit Bar
Topic: Supporting The Lemon Fool - Donations (versus Adverts)
Replies: 34
Views: 25956

Re: Supporting The Lemon Fool - Donations (versus Adverts)

A timely reminder. I've just donated £20. However, the first attempt (by credit card) said it failed and said "do it again" and the second attempt when through OK. However, I got two e-mails (same reference of 'uid_4803_blah') and different transaction reference. Credit card is showing tw...

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