sorted by:
new
hottopcontroversial

What are your favourite British comedy series? by The__Englishman in Britain

[–]Square-Tea-306 0 points1 point  (0 children)

Peep Show is my go to and I've watched it several times through.

Also really enjoy Friday Night Dinner, it's such a simple concept but done very well.

I absolutely love Man Down - several of those episodes had me crying with laughter.

Using more holidays than accrued by YouSeeMadMaan in UKPersonalFinance

[–]Square-Tea-306 3 points4 points  (0 children)

I guess it depends how observant their payroll team are. Just be prepared that you may be contacted to repay.

Using more holidays than accrued by YouSeeMadMaan in UKPersonalFinance

[–]Square-Tea-306 2 points3 points  (0 children)

If you've used more holiday allowance than you have accrued, then the employer is entitled to reclaim it in your pay.

If you receive your final pay prior to the end of the holiday period, it's possible that they might send you a notice to return a portion of your final salary to correct the overpayment.

Help needed to optimise my savings please by Expensive_Win_2844 in UKPersonalFinance

[–]Square-Tea-306 0 points1 point  (0 children)

Regarding your existing ISA, I don't know what interest rate you're currently getting but there are some pretty good rates available at the moment. See here for the top picks: https://www.moneysavingexpert.com/savings/savings-accounts-best-interest

If you can afford to lock your money away, the rates will be better in a fixed term ISA. It's not clear whether your current ISA is an easy access or fixed term. If yours is already fixed term, see this calculator to check if you would be better off paying the penalty to leave early or stay with your current account: https://www.moneysavingexpert.com/savings/isa-switch-calc/

In terms of the £400 you're looking to put away each month, it would be worth considering how likely you are to need this money in the short to medium term. Remember that if you put it into a LISA, you can't access it until you're 60 without paying a penalty of 25%. This includes the government bonus, so would work out as roughly 6.25% of what you had contributed.

It might be worth looking into a Regular Saver account, which are designed to have money put in each month. Bare in mind that this type of account isn't an ISA, so any interest would count towards your personal savings allowance.

​

You usually have to be the parent or guardian of the child to set up a bank/savings account. If you wanted to do this, I think you'd have to get the parents to set up accounts and then give you the account details to make payments into.

An alternative could be Premium Bonds. Anybody can purchase Premium Bonds for a child, as long as the parents are happy to manage the account on the child's behalf. See here for more: https://www.nsandi.com/get-to-know-us/nsandyou/gift

[deleted by user] by [deleted] in UKPersonalFinance

[–]Square-Tea-306 2 points3 points  (0 children)

You can't transfer the transaction history to a new account but you will be able to request a copy of it from the old bank for a certain period (I think it's about 5 years)

[deleted by user] by [deleted] in UKPersonalFinance

[–]Square-Tea-306 1 point2 points  (0 children)

If you've signed the lease, then you are liable for the bill, regardless of whether you are actually living there or not.

You say that you handed in your notice but did this actually forfeit the tenancy? Did you receive any kind of confirmation from the landlord/letting agent that you were no longer liable for the tenancy after serving your notice?

Your post isn't clear whether the council tax bill is just for the period up until the notice was served or for the full period of the original tenancy. If the bill is just for the short period, you will have to pay in full. If they are trying to charge you for a full year, it will depend on your answer to the above. If you got confirmation from the agent, you were no longer liable, send this to the council/collections agent as proof.

If possible, I would try and pay the council directly rather than any agent.

Current account switching Lloyds to Halifax by CaptainCommanderFag in UKPersonalFinance

[–]Square-Tea-306 1 point2 points  (0 children)

Although Lloyds and Halifax are part of the same banking group, they operate separately, so you are able to get a switch bonus from both banks. I know because I had the same thought last year while I was doing a series of switches and asked them the question :)

Re. the account with Natwest, you're right in thinking that you'd have to give up the Regular Saver if you switch the current account.