-
Keydata ISA 7.5%
An IFA told me today about a 7.5% ISA with Keydata for 5 years, and 7.7% for 7 years. I'd never heard of it, but was told it is only something accessible to IFA's. Rate sounds good. Tried to check out a website and wasn't sure I got the right one but couldn't see anything about such an ISA. The deal is available until July…
-
NS&I "technical problem"
OK, I’m getting a bit peeved of with NS&I. When I signed up for my Direct ISA I was told I would have But I have never been able to log onto the site because I have a look back and these “Technical Problems” started at the end of April. At most banks this would be totally unacceptable. While they do offer a phone line I…
-
Isa's Are A Sneeky Way To Snoop Into Your Babk Accounts By Inland Revenue Beware!!!
Let me tell you what happened to me I opened an Direct ISA with National Savings and Investments over the phone but I was not able to open a Direct ISA as my debit card was not one that they could debit money from. so I thought no more of it thinking that my details were deleted from thier system! a month later I get a…
-
Stocks & Shares ISA's
Need some advice please. I have had a mini stocks and shares ISA with the CIS for about 6 years - just monthly contributions starting with £50 and now £100 so have around 5.5K. Still learning (from this great site) but understand that this ISA isn't that great and would like to move on to better investments. Really need…
-
Natiownide FTSE All Share tracker isa
As some of you may remember I have had to open the above mentioned ISA as part of securing an interest only mortgage with the Nationwide. I have initally agreed to pay a derisory £20 a month into it just to get the ball rolling. It seems I may possibly be fortunate enough to save a bit more than this each month now…
-
Are all the banks this thick?
I wanted my bank to open an ISA for me and put £25 every month via direct debit right from my current account which I have in the same bank. I can only go to the bank and to the shops on Saturday, so I went, got the info, took the form home to read it carefully, filled it, and the next suitable Saturday I went back and…
-
Living overseas -- ISA transfer allowed?
The Inland Revenue says the following about ISAs for people living overseas: "You can only open an ISA if you are resident and ordinarily resident in the UK for tax purposes... If you open an ISA and then move abroad, you are no longer classed as a UK resident. So you cannot put money into the ISA. You can still keep your…
-
Transfering a Halifax variable rate ISA to a Halifax saver direct
Has anyone done this. I was told in branch that it had to be done online (fair enough) but now I'm having a crisis of confidence that I did the right thing. I opened an ISA saver direct stating that the incoming funds would be Other, and put Transfer in the little box. What happens now - do they write or what?
-
NS&I Isa won't accept transfer
Hi all, Just tried to open an ns&i isa account on line only to find out that they don't accept transfers from other isa accounts held with another bank. We have already invested this years allowance so I can't open one either:mad: Does anyone know of another bank that pays around the same (5.15% I think) that will accept…
-
Transfer rules on stocks and shares mini isa's
Could someone put me right on the transfer ruling on share mini isa's. I have the maximum (4k) invested in a unit trust within an ISA for the 2005/06 tax year. I know these are medium to long term investments but if I want to change it, do I just request repayment or is it like cash isa's where you do not withdraw, you ask…
-
whats the difference between a direct variable rate isa and a variable rate isa
as per header really, just got to sign my wife up for an isa, but stumbled across these two, i was going to go for the direct variable because its curently paying 4.96% thanks unless anyone can suggest a better one to go for
-
New comer to ISAs... advice required
Hi all, new to ISAs and have some questions. I'd like to begin investing some or all of my £7k allowance each year, £3k in mini cash ISAs and some or all of the remainder in an index tracker. FYI, im 22. Now, for the mini cash ISA part, do they work in the same way as a typical savings account where interest it applied…
-
Open a cash mini ISA with a transfer in?
For this tax year I opened a NS&I direct ISA and put in the full £3k. I also have money from several earlier tax years in an Abbey Postal ISA (Issue 1). Now that Abbey have decided to reduce the rate on that account from 4.9% to 4.65% (thanks to StuSter for the heads up in this thread), I want to transfer the money from…
-
Isa Help!! Please!
Hi All :rolleyes: I am new to this site, and think its fab, and wonder whether anyone could advise me on a couple of things. I have about £2500 that I wish to invest. As we may move soon, I was thinking of putting £2000 into a cash ISA, and the remaining £500 I thought I would be a bit more risky in investing. Questions:…
-
Abbey Postal ISA (Issue 1) rate reduction
Abbey have very kindly notified me today (19/6) that the rate of interest on this account was reduced from 4.90% to 4.65% w.e.f 1/6! :mad: Good job we had already transferred the account to a Halifax account paying a fixed 5%. Not exactly the straightforward process it should have been, but hey ho. :beer:
-
Abbey ISA paying 4.9% was closed without my say so.
I recently did a PART transfer out of this ISA into my A&L issue 2. I wanted to leave this ISA open in case A&L dropped the rates, because 4.9% still isn't bad. The morons at Abbey just completely closed my account ignoring my instructions of the PART transfer. I phoned them to complain - I was promised they would look…
-
Cash and Invest ISA online?
I'm looking to transfer my postal cash ISA to something that is: - managable online (pay out from and to, by BACs is ok) - can provide AIM 100 and FTSE Fledgling Indices without fee - while at the same time also including a cash pool that is instant to get to Thanks for any recommendations. As you can see, pretty specific?…
-
Hold Cash ISA now want Equity ISA as well - advice please
Hi I have a cash ISA with Natwest. No problems with them even though I know better rates are elsewhere. I will be getting some SAYE shares through my employer in sep/oct 06 approx £5000 value now. How can I transfer them in to and open a new equity mini ISA where they have no or minimal chgs and claim back the tax on my…
-
2 Year Fixed Rate ISA - 5.25%
Hiya - I don't know if anyone has previously mentioned this, but Portman Building Society offer 5.25% on a two year fixed rate ISA or TOISA. Not bad ehh? Yes, I know you have to keep it in there for the entire two years (otherwise there's a hefty penalty) but worth it if your not planning on spending it anyway...what does…
-
Who chooses Maxi or Mini Isa ?
My question is probably going to show I don't really understand ISAs. I've done a Mini Cash ISA for the last 4 years. I don't understand why both Mini and Maxi exist, but maybe I don't need to. The maximum on both is £7,000. Who would choose a Maxi ISA and why would they do it. Do providers of Maxi ISA pay as good a rate…