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Post by bracknellboy on Dec 6, 2019 14:06:28 GMT
Just logged in again and this time I get the appropriateness test, but unfortunately I will have to be restricted, whereas on all the other tests I have taken I qualify for "High Net Worth". The key word is AND, where every time I have been asked in the past it has been OR:
<quote>
High Net Worth I have an annual income (not including pension income) of £100,000 or more AND investable assets of £250,000 (not including primary residence or pension assets).
</quote>
Why on earth would I want to work hard enough to earn £100,000 when I already have £250,000 gambling money in hand?   Not intending to convey that this Ablrate specific, as I know the criteria (bar apparently the use of ANDs vs ORs), but it strikes me as odd that they are making any distinction whatsoever between pension and non-pension income. What on earth is the rationale for making that distinction [the taxman makes no distinction....] ? And actually, when it comes to assets why make the distinction between pension and non-pension assets  I suspect this has more to do with the FCA protecting themselves from headlines of "my pension assets when down the pan" as oppossed to "my non-pension assets when down the pan".
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Post by ablrate on Dec 6, 2019 14:57:57 GMT
Just logged in again and this time I get the appropriateness test, but unfortunately I will have to be restricted, whereas on all the other tests I have taken I qualify for "High Net Worth". The key word is AND, where every time I have been asked in the past it has been OR:
<quote>
High Net Worth I have an annual income (not including pension income) of £100,000 or more AND investable assets of £250,000 (not including primary residence or pension assets).
</quote>
Why on earth would I want to work hard enough to earn £100,000 when I already have £250,000 gambling money in hand? Thank you, that should and/or - we will change
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qwakuk
Member of DD Central
Posts: 259 
Likes: 96
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Post by qwakuk on Dec 6, 2019 16:28:38 GMT
Logged in and passed the test on the "standard account", clicked the ISA tab and it wants me to take another test, ignored it for now. Do I also need to do the ISA test ? Thanks for the feedback - that should not happen - we are looking at it and will fix Please mark my ISA as passed also, since I passed on my regular account.
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Post by ablrate on Dec 6, 2019 17:07:56 GMT
Thanks for the feedback - that should not happen - we are looking at it and will fix Please mark my ISA as passed also, since I passed on my regular account. you dont use the same username... so we dont know which account, please contact customer services.
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qwakuk
Member of DD Central
Posts: 259
Likes: 96
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Post by qwakuk on Dec 6, 2019 17:37:32 GMT
Please mark my ISA as passed also, since I passed on my regular account. you dont use the same username... so we dont know which account, please contact customer services. I am sure the system made me use a different email address (is that what you mean ?) Standard = zzzz ISA = zzzz Any use otherwise I will email as suggested
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Post by ablrate on Dec 7, 2019 9:00:25 GMT
you dont use the same username... so we dont know which account, please contact customer services. I am sure the system made me use a different email address (is that what you mean ?) Standard = **** ISA = **** Any use otherwise I will email as suggested Done - would probably redact your account number - just in case...
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qwakuk
Member of DD Central
Posts: 259
Likes: 96
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Post by qwakuk on Dec 7, 2019 9:25:11 GMT
I am sure the system made me use a different email address (is that what you mean ?) Standard = **** ISA = **** Any use otherwise I will email as suggested Done - would probably redact your account number - just in case... thanks went back and edited the message
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upperdeane
Member of DD Central
Posts: 493
Likes: 245
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Post by upperdeane on Dec 7, 2019 16:05:11 GMT
Just logged in again and this time I get the appropriateness test, but unfortunately I will have to be restricted, whereas on all the other tests I have taken I qualify for "High Net Worth". The key word is AND, where every time I have been asked in the past it has been OR:
<quote>
High Net Worth I have an annual income (not including pension income) of £100,000 or more AND investable assets of £250,000 (not including primary residence or pension assets).
</quote>
Why on earth would I want to work hard enough to earn £100,000 when I already have £250,000 gambling money in hand? Thank you, that should and/or - we will change Hi ablrate, as per my post earlier (i didn't see this post beforehand) p2pindependentforum.com/post/359958/thread when will this be changed?
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upperdeane
Member of DD Central
Posts: 493
Likes: 245
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Post by upperdeane on Dec 7, 2019 16:07:15 GMT
Just logged in again and this time I get the appropriateness test, but unfortunately I will have to be restricted, whereas on all the other tests I have taken I qualify for "High Net Worth". The key word is AND, where every time I have been asked in the past it has been OR:
<quote>
High Net Worth I have an annual income (not including pension income) of £100,000 or more AND investable assets of £250,000 (not including primary residence or pension assets).
</quote>
Why on earth would I want to work hard enough to earn £100,000 when I already have £250,000 gambling money in hand? Thank you, that should and/or - we will change When is this change due?
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upperdeane
Member of DD Central
Posts: 493
Likes: 245
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Post by upperdeane on Dec 7, 2019 16:34:02 GMT
Thank you, that should and/or - we will change When is this change due? Hi Ive just logged on and notice it is changed now to "and/or". Cheers.
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Post by ladywhitenap on Jan 16, 2020 17:45:29 GMT
ablrate More of a needs fixing really.. When trying to transfer from my normal account into my ISA account I get the message "* Error in running Scalar SQL Command." LW
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Post by ladywhitenap on Jan 16, 2020 19:23:29 GMT
ablrate More of a needs fixing really.. When trying to transfer from my normal account into my ISA account I get the message "* Error in running Scalar SQL Command." LW Seems to be OK now. LW
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Post by darren on Jan 27, 2020 12:24:28 GMT
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Post by ablrate on Feb 25, 2020 12:02:03 GMT
We just had a little downtime for maintenance. The payment system was being affected so we wanted to make sure it was done quickly. Sorry for any inconvenience
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Post by darren on Jun 8, 2020 12:32:01 GMT
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I suspect this has more to do with the FCA protecting themselves from headlines of "my pension assets when down the pan" as oppossed to "my non-pension assets when down the pan".
