u/No-Revolution-3159

An elderly relative has been a victim of bank impersonation scam where they called pretending to be the fraud team, she thought she was responding to an app notification to confirm a transaction was fraudulent and needed blocking, but they had her card details somehow and were sending a payment request. She realised immediately when her balance went down and reported it to the bank. It was almost £2000 to some voucher selling website. The transaction is showing as “pending” still 6 hours later. I know mandatory reimbursement doesn’t apply when it’s a card payment in a APP scam. What are chances of a refund in this case? And is there any recourse if the bank refuse? Thanks

I am 36 and have a small SW pension of £30,000 from a previous job. It’s not my main pension as I’m now in NHS and intend to stay long-term. It looks like my employer set it up as “balanced - targeting flex access” but there’s an option to move it to “lifetime investment - growth path targeting flexible access”. My current plan is 85% in shares and 15% bonds whereas the other is 100% in shares, and at 12 years before retirement age would starts to move back towards lower risk investments.

Does anyone have any experience or insight into making this move? I feel like I could tolerate more volatility with it not being my primary pension and being so far away from retirement age, but admittedly know very little about pensions and investing. There are lots of different options on the app but with very little info as to what anything means, it’s really confusing!

TIA

I’m 36 and looking to open a lifetime ISA for retirement. I’m in a position to pay in the maximum 4k allowance per year and also have an NHS pension alongside. I’m brand new to this, I don’t know anything about stocks and shares, so looking for something easy to manage, where I don’t need to make many decisions, it’s fairly low risk, and relatively low fee. So far I’m considering Hargreaves Lansdown and AJ Bell Dodl. Anyone got any thoughts please on which is best or alternatives you’d recommend? Thanks

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