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To ask you why someone would receive a letter from Hargreaves and Lansdown

(35 Posts)
divorcenightmare Mon 13-Nov-17 21:58:12

In the middle of a not nice divorce.

Form Es exchanged. Questions being formulated, but lots of things missing from H's form.

Amongst lots of other things, he has declared no shares. I think, for various reasons, that he does have shares. How would I go about proving this? As if to prove a point, he got a letter from Hargreaves and Lansdown today - the investment company. Why would he get this if he didn't have some investments?

This is a living nightmare. The things he says to me make me feel as if I am going mad.

Help.

User452734838 Mon 13-Nov-17 21:59:48

They do pensions as well as share based investments? They also send a lot of mail regardless of what you have with them.

wasonthelist Mon 13-Nov-17 21:59:51

H&L do pensions - could it be that?

SMCNI1968 Mon 13-Nov-17 21:59:59

Very possibly just a direct mailing send to a lot of addresses

P1nkSparkles Mon 13-Nov-17 22:00:02

I know nothing about divorces or investments so I can’t help there... but I do know that my husbands company pension is with them.

EliseC1965 Mon 13-Nov-17 22:00:16

DH gets letters from them about his pension.

AntiHop Mon 13-Nov-17 22:01:08

They do life time ISAs. Could it be something to do with that?

Ohyesiam Mon 13-Nov-17 22:02:43

Sorry to hear you are going through this, sounds like a nightmareflowers.
As you say, the letter speaks for itself, couldn't mean anything else.
The only way you can prove any of this is by sneakily searching and taking some photos.
Is there now way you could move out?
Best of luck op

divorcenightmare Mon 13-Nov-17 22:03:08

Do they send out lots of advertising? This was a very thin letter type of envelope. I don't think it is pension related. Or the small pensions he has, which were on his form, are not managed by H and L.

Also, I never receive advertising from them....

divorcenightmare Mon 13-Nov-17 22:06:12

But my knowledge of financial stuff in general is a bit sketchy so who knows.

Would love to move out but scared of making my position unfavourable with regards to eventual housing once there is a settlement.

divorcenightmare Mon 13-Nov-17 22:06:53

And don't want to leave my kids.

divorcenightmare Mon 13-Nov-17 22:08:10

There was no ISA on his Form E. Do they manage all kinds of pensions? Maybe his albeit small pensions are managed through them?

wasonthelist Mon 13-Nov-17 22:08:49

If it was me I'd open it then destroy it once I knew what it was - but I am not advocating any illegal or immoral actions by anyone ever.

divorcenightmare Mon 13-Nov-17 22:09:56

grin

wasonthelist Mon 13-Nov-17 22:10:47

BTW I hate people who tell lies on form E - I was accused of it by ex-wife's filthy sneering lawyers. She hid stuff - I didn't.

Chrys2017 Mon 13-Nov-17 22:11:51

Accidentally open the letter and you'll know!

divorcenightmare Mon 13-Nov-17 22:11:54

How did you find out wasonthelist?

Insertquirkyname Mon 13-Nov-17 22:13:13

You can ask in your form e questions for him to provide 3 years of statements from h&l. If you're really sure he's lying you can cross examine him at the financial remedy hearing on any unsatisfactory explanations.

RockinRobinTweets Mon 13-Nov-17 22:15:04

They have lots of pension products that you might not link to them on first glance - HL SIPP etc

Noofly Mon 13-Nov-17 22:17:11

I have various investments with H&L and get an awful lot of letters from them. As far as I can recall though, all have been in bulky envelopes- lots of marketing bumf. I can’t think of any thin letters so that sounds more like something very specific - e.g. in response to a specific request for something? Having said that, you can do just about everything online for your account!

Grandma14 Mon 13-Nov-17 22:17:12

I had one this morning from them. A thin envelope. It was shredded and recycled!
I get stuff nearly every week from them. I have no investments, isa's or pensions with them, but I did once enquire about transfering a pension to them....5 years ago. ( And didn't bother)
I expect what you saw was just marketing stuff about their latest investment vehicles.

grumpysquash3 Mon 13-Nov-17 22:18:07

H&L do pensions, ISAs, trusts, all kinds of investments. I get tons of junk mail from them and I have one account. It's also possible that they keep sending mail after an account has been closed......so I don't know if you can read too much into it, TBH.

traviata Mon 13-Nov-17 22:18:07

take a photo of the envelope
send it with your questionnaire asking for full disclosure.

Insertquirkyname Mon 13-Nov-17 22:18:20

I spent a long time being terrified how everything would play out as my ex do manipulated the form e to make us look financially stretched (self employed earning 350k down to 50k overnight)
He didn't declare all his directorships of various companies- a quick search online and I was able to question him on why it wasn't included etc. In short, he realised he was fucked and we settled out of court.

wasonthelist Mon 13-Nov-17 22:19:13

I knew before it all started that ex-wife and her mother used to "launder" money for each other to get around ISA limits etc -amongst other things.

I'm not bitter about it - she has remarried, and I've got on with my life, she didn't get the 10% of all my future income + spousal maintenance for ever she asked for (we had no kids and she was self employed) so at least it didn't really do her any good.

I know it's a horrible time, but unless it's massive sums, it might be better to let it go. Using lawyers to argue gets very expensive very quickly. I know this is hard to hear - I sympathise BTW

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