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Found 2 results

  1. Hi, It’s been a while - life, hey, but I hope you’re all well. Turns out I need to claim my UK pension from Royal Mail, and I don’t know what to do. The guys at Vista Finance were absolutely wonderful and told me that given how little is in the pension, i would lose more than I’d gain by formally transferring the pension. I’m a Aus citizen with a small lump sum in England and an annual pension of something like a couple of thousand £pa. If I give the pension people my Australian bank account details, will the bank automatically convert it and if so, will there be charges or just a slightly lower conversion rate? With the lump sum, I obviously want to lose as little as possible as there’s not much TO lose ! I know I will pay tax on the money, and whilst I think that’s fair, again, I’d like to pay as little as possible…would it help if I put the money in my Super? I’ve tried asking the bank but whilst the person in International was lovely, when I asked about charges, she told me she “didn’t think so” . We went to a financial advisor, (not Vista as it was a different issue) but they didn’t help at all. I’m hoping that someone on here has actual experience that can help guide me . TIA LC
  2. Hi all After 28 years in Australia, originally went as a 1 year back packer and subsequently got PR and citizenship, my year to test the waters back home is going brilliantly. I have been very unsettled in Melbourne for 5 years or so and decided to head back earlier this year (Feb 2017), locking up my unit in case things went pear shaped. Anyway, I love it. Live in Worcester, have life time friends and family close by and everywhere is so accessible. Back from Barcelona today and off to Budapest on Thu. Got work easily and now have taken on a full time job. My question is what are the consequences, tax wise, if I decide to rent out my unit rather than sell when I head back on my return flight in Feb 2018. My accountant advised I will get tax credits from the UK re work but need to find out more and also want to ask if everyone who has left permanently did final tax returns, took themselves off the electoral role etc...also, I have some removalist quotes which seem quite high if you want to take most of your stuff. Any help would be appreciated. After living in black in white (without realising, I feel I now live in technicolour :))