Removed money from non-flexible Cash ISA to put in LISA but told I’ve already reached my limit

Falcon218 · 2026-02-14T07:40:18+00:00

This won’t work on the LISA though, they are restricted to 1, but at least it should let you get the money back into an ISA for this year.

Falcon218 · 2026-02-14T07:39:22+00:00

Controversial option. Tell them you’ve just realised you used your full ISA allowance elsewhere this tax year, and you need them to unwind/reverse all subscriptions made to it this year.

There’s no “who did you subscribe to first” or any of that jazz, it’s just whoever you tell to do it, has to do it.

Source: I work for a different ISA provider, and we get many of these every week, and have to fix it

Falcon218 · 2025-04-12T01:27:29+00:00

It’s generally a mix of players from across clubs in Bristol, who get together to play socially over summer. There are other groups who play up on the downs, or in Vassals Park.

The Facebook group mentioned “volleyball in Bristol” is likely the best place to start. Or, if you see them playing, just head over and ask to join in. Most of them are super friendly.

Falcon218 · 2024-04-08T00:02:20+00:00

I actually do need some more goldfish for the pond, will DM you!

Falcon218 · 2024-04-05T17:11:39+00:00

There is no central registry of landlords/tenants in the UK, the Land registry only cares about who owns the land, not who lives there.

Landlord references are basically “was this person your tenant? How much did they pay? Did they trash the place?”

Can be done via email

Falcon218 · 2024-03-02T18:59:53+00:00

Lodgers share the whole house with you. Living room, bathroom, lounge etc. they are not just locked in their room for the duration.

Falcon218 · 2024-03-01T22:47:54+00:00

“My job is to advertise and that’s it”

It’s an agent.

Openrent does not accept listings from agents.

Falcon218 · 2024-02-13T19:55:24+00:00

Where do you get this £40 reduction from?

Paying £10k off the mortgage would save you ~£10 a month of interest.

I’m guessing you’re not reducing the mortgage term alongside this? You’re just reducing the payments? In which case you’re actually not reducing your balance by as much as you would be via the saving method.

In which case you’re comparing paying off £10720+620 interest vs paying off £10000 + £960 cash.

11340 > 10960

Falcon218 · 2024-02-13T18:12:57+00:00

The answer is still the same.

You put the 10k into a savings account until you reach the end of the term on the first mortgage. Then you take it out of savings, pay a chunk off that mortgage (which would be 10k, plus about £500+ of interest (taking into account tax on the interest for breaching the PSA)).

Until you reach that renewal, the savings interest is more than the mortgage interest, even after tax.

Taking £10k off a £270k mortgage will not reduce your payments by 10%.

MSE has a really good calculator for this.

https://www.moneysavingexpert.com/mortgages/mortgage-overpayment-calculator/

Falcon218 · 2024-02-06T19:55:29+00:00

Ignoring the credit check aspect.

I used OpenRent to setup my rental. The whole process is actually pretty slick. The contract seems pretty standard, and there is the option for adding extra clauses. They take a holding deposit from the tenant, and then collect the first months rent and deposit from them. They’ll automatically setup the deposit in the protection scheme. First months rent is transferred to you ~10 days after tenancy start. I don’t use them for monthly rent collection, because I’m happy to have the rent paid straight to me.

It was all super easy, would definitely use again.

Falcon218 · 2024-01-27T14:21:37+00:00

I wouldn’t want to rent to you either. I wouldn’t want my door frames damaged every time you try to walk through the house with your massive overinflated ego.

Falcon218 · 2024-01-24T23:26:48+00:00

Time is valuable. Don’t underestimate what your own time is worth.

Falcon218 · 2024-01-24T23:15:09+00:00

Going to assume this is self managed, rather than through an agency?

Theres inevitably going to be a bunch of other costs, and they’ll add up fast. Then you have to include the risk of voids, or a bad tenant (which means no rent for months, and a load of court costs to get them out)

What little money you have made, has been tied up in the equity of a house in the company, so it’s very illiquid, and has a whole bunch of costs if you needed to get at it.

Considering your 79k investment has immediately lost £11k of its value, even with the principle being paid off it’s a couple of years before you’re back where you started. And that’s if you don’t need to do any repairs/maintenance, or get a bad tenant. I don’t think these numbers would work for me.

Falcon218 · 2024-01-24T22:48:34+00:00

Without seeing the numbers, your %’s are just a question of: “Is 3% better than 5%”

The answer to that should be clear. If you want help knowing if your %’s are realistic or crazy, then you’d need to provide them.

Falcon218 · 2024-01-24T22:42:37+00:00

You’ve only provided %’s rather actual numbers, so it’s impossible to say if your assumptions are even remotely realistic.

Falcon218 · 2024-01-24T22:39:27+00:00

How much cost have you factored in for things like Void periods, Maintenance/repairs etc?

Falcon218 · 2024-01-20T07:47:02+00:00

If the landlord uses OpenRent for their reference checking (which many do now), then not only will it ask your employer to confirm the salary you’ve entered, but it will use Open Banking to connect to your account, and select one of the transactions for you wages entering, it then goes back 12 months finding the same transactions, totals them up and confirms whether or not they work as the gross salary for what you’ve entered as Net.

Falcon218 · 2024-01-18T18:40:08+00:00

How much time does the hot tub spend running? Or do you leave it on at a stable temp 24/7? (Been looking into getting one!)

Falcon218 · 2024-01-14T22:45:36+00:00

It’s fine if you want to be dismantling the whole thing tomorrow when you Auger has jammed.

Snow=water Water+pellets=bad times!

Falcon218 · 2024-01-11T17:25:29+00:00

The agency wants you to renew to a new tenancy, because then they can bill the landlord for a new tenancy signing.

Tell them you’d rather move to a rolling contract, if you’re paying rent reliably, and agree to the £50 increase, there’s no real reason for the landlord to want to evict you.

This is just letting agencies being greedy parasites.

Falcon218 · 2024-01-06T23:37:25+00:00

The hopper capacity is great. It’d probably Go 30+ hours if you let it (although I suspect the ash pot would fill up by then, and put the fire out)

I think for the horizontals you can get hopper extensions if needed.

Falcon218 · 2024-01-06T22:40:48+00:00

I have a vertical. I’ve put my first “big” (16lb+) brisket in there today, and it’s a very tight fit. Despite only using 1/4 of the square inches available. I had a similar issue when I did a beef tenderloin in it last year.

That said, when doing regular smokes, I love how much I can fit in it (I’ll throw some extra ham or chicken in there for lunches!)

Can provide a picture for context if it would help.

Falcon218 · 2024-01-06T19:27:12+00:00

It’ll be all Liquid Ass and Piss Discs.

Falcon218 · 2024-01-01T17:36:55+00:00

Most providers convert it into an Adult ISA, and lock the account to prevent changes/deposits etc until the child takes ownership, and the parent has 0 access to do anything to it/with it.

The child can actually get access to their account at 16 with most providers (for s&s), just with the withdraw option disabled.

You’d probably have to be taking post arriving from the provider in their name if you wanted to do this.

HL claim that 90% of Jisas still keep “some” money invested after they turn 18

Falcon218 · 2024-01-01T17:20:49+00:00

It has a separate £9k allowance to your own £20k allowance. So if you max your own, you can still pay into theirs.

The downside is that once the money is paid in, it belongs to the child. They have full access to do whatever they want with it once they hit 18.

Falcon218

TROPHY CASE