Member Info for Gerry557

That was the main reason why I left. You can get much cheaper trading costs and no holding fees, depending on where you go and your own circumstances. As your PF grows so does that charge and its mounts up over time reducing your wealth and growth. If you do move I recommend doing things in stages as the process and HL's service are not as good as they say.

http://www.theguardian.com/environment/2014/oct/13/wind-power-is-cheapest-energy-unpublished-eu-analysis-finds

Looks like in the short term you were right. LAD being hit again along side the wider market. Hindsight is so highlighting. Having just added here (and already underwater) my next top up will be somewhere else. That divi yield is starting to shout out a tad now

Well as this looks like an almost done deal I've pushed the sell button to free up some cash for other buys which are starting to appear. This hasn't fallen with the market so maybe I can get something steady that has dropped back to replace the divi I am missing here. Bye old friend I shall miss your high divi but needs must

Do you just move on or look at another entry even lower. I thought you had done well but no stop set for me ..... although maybe I should have a few the way things have been going. I see LAD advertised on tv during the football. Good luck whatever you decide

Lego "Should be up to shareholders to decide on a merger." I disagree. The BoD should have their finger on the pulse and know the value of the company so are better able to understand any deal. If they see merit or potential shareholder enhancement then maybe ask the shareholders. It should be a difficult question time for the BoD now to explain the decision and maybe some will be forced on their swords or be pushed. Even so many shareholders wont get back what has been lost but I am assuming that the difficult questions cant be answered. What did Clln see in the firm? There is the potential the the Bod were negligent in their actions, maybe that avenue could be explored even so, a ban is not much compensation to loosing shareholders and prison is rare.

Mr Market also down yesterday dragging most things down. Ebola being the next worry on the wall. Rumours of a divi cut also starting to be mentioned although from memory I thought that the BoD expected to move back to growth. Hopefully this will stave off any need to cut the divi but the yield is is starting to climb to quite high levels, that's why I added more. Maybe I should be ready to increase again .............. Just in case

Letter arrived from HL, basically the same as the one previously sent to me. Saying they let themselves down, slow service etc, and offering Mrs G the same £150. So it looks like her complaint is now taking shape. We both have outstanding questions ref charges that were supposed to be waived whilst waiting for the process to complete as HL loyalty payments are somewhat lower than the full rebate we would have received with the new provider. Inching ever closer to conclusion........ Sorry AJ

The final fund for Mrs G has now transferred but they have not moved over the cash, dont know why. 99% complete. I suspect the whole process needs improving from providers to funds themselves. They have managed it with bank accounts. Asbury - Just commenting on the supposed high quality service HL claim to provide and on the transfer process which it appears many are doing, which is supposed to be the reason why its taken so much longer. HL are recommended by Which and HL comment on the reason. "The majority of emails receive a response on the day of receipt and letters within 24 hours." Mrs G must be in the minority then. Its nearly a month now without response! Inspiration - Have you phoned them to ask what is going on? again from HL "Expert Bristol-based Helpdesks All calls answered by a real person, with no automated menus. I generally found no problems dealing in funds but remember they tend to action them on the next working day at 12:00 from memory and you should be updated shortly after

Jack not the 7% plus divi or the fact its trading below its 200 day avg or the management saying they should return to growth. Yes its hit yearly lows and the Market is having a wobble right now dragging most things down. So it might be a good time to buy but I suppose it could go even lower they way things keep moving right now. As long as its not too expensive this should be ok for the longer term hold if they keep paying that divi. Was tempted to hold out for more but then I get too greedy and miss the opportunity altogether so is it a bird in the hand or wait for a correction that might not happen as some steam has been let off

I hope this is a good omen

Well Mrs G's final fund being held hostage has finally disappeared off the screen so hopefully is on its way to be transferred out. She has issued a secure message to raise a formal complaint over the handling of her transfer which 3 weeks later has not been responded too. Maybe the "good service" isnt extended to us rats leaving the ship. I suspect that there might be a second formal complaint on the complaint! We were informed that all charges would be waived but HL have not returned the full amount but only a loyalty payment which is much lower than expected. The fight and saga continues but is coming to an end

and another spike down by nearly 40% but the US market is closed. Google Finance, what are you doing?

This was on my watchlist for the divi, although that looks under threat now. I also hold Clln and wondered what attracted then to buy/merge with them. It appears the PB bit was what they were after in hindsight. Clln management seem good and I thought that they would be able to integrate this and make a go of it. Would they likely return? Maybe not. I dont know how shareholders here feel as it seems your were bribed with your own money for a special divi (was it 29p) but the SP fall is greater. A couple of the BoD have fallen on their sword but that is little comfort to holders. I missed the conf call but might have a listen tomorrow when its online. Maybe they should go back cap in hand to Clln management but I doubt that would help shareholders in the short term and I suspect that Clln would want to be more than "opportunistic" I hope the current board get a good grilling at the meeting from the disgruntled holders

I quite like "boring" or steady eddies. Although I thought that this moved about a bit so maybe we look at different things if this is too steady for you. I hope to collect the divi and wait while this rises genitally over time. Mr Market has a habit of messing with my plans. The Blog idea might be interesting

It looks like there are more than me http://www.dailymail.co.uk/money/investing/article-2751848/Brokers-struggling-increased-transfer-requests-leaving-investors-locked-out.html

.... in the short term

They have sold 20% of property in Scotland over concerns of the vote. I don know if this is risk reduction or if it would have been better to sell the lot. Hindsight will be along shortly with the answer. Over reaction or not enough. Might not know for sure for some time as either way most likely to be an over reaction

Just noticed a 40% drop on my spreadsheet. The US market is not open so I suspect its a glitch with google finance or does someone know something I dont

Show numbers increasing not following me and leaving. Is that due to auto enrolment? I would be interested in the avg size of holding. Having knocked HL,s Service in the past I found Capita using cheques and snail mail and a 10 day turnaround. Its seems so slow in todays online life. It is in their terms but Im glad to be out of them too now. Mrs G complaint with HL has not officially started I now learn so another complaint going in about the complaint. You could not make it up. The saga continues ......