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ABBEY Delays and awful service
Requested transfer from Abbey to A&L just under 2 weeks ago. Phoned them up today and they do not have any record of any activity at all though my local branch (who I gave the form to) have confirmed that they have sent it on. Abbey are unable to confirm the status of the transfer. Great. Abbey Customer Services Supervisor…
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Royal London Stocks & Shares ISA Query
Hi, I have a Stocks & Shares ISA with Royal London. I have had a call recently stating that there maybe trouble ahead for me if i continue allowing Royal London to invest my money. I understand they have let go of a number of staff recently. I have been wondering for sometime whether I have the right ISA account. I want to…
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Mini, Stocks and Shares..
Dear All, Pls go easy as I'm relatively new so I apologise!! I have invested £3k into a mini-isa with Intelligent Finance (for monthly interest rates). This leaves me with £4k. I wanted to invest this in a couple of funds (e.g. Fidelity) and in a couple of shares that I have seen (so I can start learning about how the…
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change isa from halifax?
hi, last year i had an isa with halifax. it was 5%, but now its dropped to 4.75%. this tax year i openend an isa with Bradord and Bingley. its an esavings isa and is 5%. i wonder if its worth moving my halifax isa to my bradford isa, or do you think bradford will lower their interest rate too? in real life terms, how much…
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Mini cash ISA & Maxi with different providers ?
Hi If I have a mini cash ISA with one provider can I open a maxi ISA with another in the same financial year ? (So can I have max of £3000 in the cash ISA and another £4000 stocks/shares in the maxi one.) Thanks
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How do I get a stocks and shares ISA
(also known as an equity isa??) I've utilised my Mini Cash Isa allowance last year and this year but read that another £4000 can be invested in stocks and shares. But I find it confusing so I'm not clear on it and hoping someone can simplify it for me. Basically, - how do I do this? Do I do something like go to a funds…
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Halifax 5 year fixed ISA
My girlfriend took out a Halifax 5 year fixed ISA in 2004 which matures in 2009 (£3000 in it). She has now decided she want's to get on the property ladder but need's this money as deposit! Im sure she will be able to gain access to the money from Halifax (please correct me if im wrong!!) but would she loose all the…
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Isa????
Hi All, Thinking About Opening A New Isa Account Had Two In Past To Save For A House Deposit, Then I Put Half Money In Investor And Half In Isa Ftse 1oo. I Also Have A Regular Saver Account With Halifax Not Sure If This Money Would Be Better Put Into Isa. Does Anyone Know If There Is A Good Web Site That Shows The Best Isa…
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Single company ISA
Hi I've got some company shares which I want to put in a single company ISA to avoid paying tax and NI. Can any one recommend a product with minimal admin charges? I'm not an expert on ISA's so I'd be grateful if anyone can elaborate on particular features of the single company ISA's.
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Why transferring an ISA has been a waste of time
Hi all, I gather it's probably not the same for everyone, but to me transferring my ISA from First Direct to A&L has been a waste of time. The time it's taking to transfer the funds has probably cost me in interest what I would have gained from the higher rate. I contacted FD and they said the cheque was sent to A&L on the…
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Tessa ISA with First Direct - want a new provider
Hi all, I used to have a Bradford & Bingley Tessa, which I then transferred over to First Direct a couple of years ago. They still refer to it as a Tessa ISA, not a TOISA, which confuses me a bit as I thought they were all TOISA's now. I've been lazy to leave it with FD and would now like to find a better rate of interest…
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Tessa only ISA maturing - what should I do?
I have the above account maturing next month - with a balance of just over £4000. It is with the B & B. ONe option I have is to keep it with them for another 3 yrs - but as this is a Tessa only ISA their conditions are that I can't make further investments. What would you do?:confused: I also have current FD ISA and also…
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Fixed rate Isa - Halifax
FYI The rate is ending at end of month it will then be 4.85% the 4 years will be 5.2%
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Recommeded; YBS and Kent Reliance
Amongst all these tales of woe and dropped rates, can I recommend the cash ISAs from Yorkshire Building Society (4.9%) amd Kent Reliance (4.96% Direct ISA). Neither of which have dropped their rates in the current round of cuts. I transferred my ISA and TOISA to these building societies during 2005 and found the transfer…
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ISA - best rates for largish amount
I have gone through the rate search engine, and had a look at various sites, but I'm trying to see if I've missed anything. My DM has around £31000 in a Halifax ISA Saver. I'm planning to convert that into a DIrect Isa at the very least but I'm also considering perhaps splitting it into two or more fixed term Halifax…
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Is an ISA good for a non-taxpayer?
I'm a student non-taxpayer because I dont earn enough. Would it still be beneficial for my to open an ISA? Despite be being able to get higher rates of interest in my regular saver account (Halifax 7%)? I will start paying tax in 2009 in my placement year.
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How long to transfer ISAs?
Hi, How long does it usually take to transfer an ISA from one provide to another. I am transferring from Halifax to Alliance & Leicester (just got in before the 5.2% deal closed). I sent the form to Halifax 2 weeks ago, but the money is still showing as being in the Halifax account when I checked online today. I presume…
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First Direct vs Bradford & Bingley
Does anyone have any thoughts on which of the above two providers I should use? I'm looking for a new home for last year's A&L mini cash isa (Issue 1 so the rate has dropped); I already have NS&I for this year and they don't accept transfers in. Both First Direct and B&B are at 5% but I see First Direct is fixed until…
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whats the best isa to go for at the moment
hi there i need to get my wife an isa for this tax year, took a A&L for last year and they seem to have dropped the rateplus heard lots of bad stuff about the customer service, whos next?
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New to ISA's
I suspect this is going to sound really dum!! Unfortunately I don't have the full £3000 to put into an ISA, but after reading these threads really think I should have one. I do try and save each month in a normal savings account. Should I/Can I use the ISA in the same way i.e open it and deposit an amount in it each month…