ISAs & tax-free savings

Archives for March 2008

Which order? Top up to max and then transfer?
I want to add to my Abbey cash ISA (£2800 of my allowance left) and then transfer to an Abbey Direct ISA. Does it matter what order I do it. I thought it would be best if I pay in the funds first to the cash ISA (I use Abbey Internet banking) and then at some point this week go in to the branch to open the new ISA and…
Icesave - How secure are we?
I know its unlikely, but after the hassle with Northern Rock do people feel worried about this comment regarding Icesave "It is important to be aware, Icesave, unlike some foreign banks, hasn’t chosen to be completely protected under the UK's Financial Services Compensation Scheme, and thus if, in the unlikely event that…
Cash ISA Transfer
I have used up my 2007/8 allowance with a Barclays ISA, which the special rate is now coming to an end. I now want to invest new funds into a 2008/9 cash ISA. As you are only allowed to open one new cash ISA in any tax year, if I want to transfer my 2007/8 ISA into an ISA paying a higher rate of interest than currently, is…
Barclays Address For ISA Transfer Form
Hi everyone, I'm just filling in an ISA application online and wish to transfer a barclays ISA over to it but I'm not sure which address I should put down for Barclays as I have a Liverpool address and a Leicester address in my correspondence. Can anyone who has recently transferred out of Barclays give me the correct…
Not sure what to do regarding Shares ISA
I do have some money that I can put into an Investment ISA but I am not sure about what to do. Last year I put £3000 into a Standard Life Shares ISA. Is it a good idea to add to that one or should I do something else? I am putting £3600 into a Cash Isa but wonder if the Shares bit may be better off in a 'normal' savings…
Barclays cash ISA
Hi I'm new to this. I tried to buy a cash ISA (07/08) at my local Barclays Bank branch. They told me at the desk that I couldnt have an application form without an appointment with one of their Advisors. So I said OK. Then the teller said But there isnt one available and they are all fully booked this week! So I called…
little moan about IceSave!
Went to set up an ISA with them on 20 March. I thought there should be enough time. Arranged it so that they would take out £1,000 automatically on 31 March (today) which was the earliest date they gave me. I thought when it was set up with the Direct Debit link to my bank account I could easily add the other £2,000.…
Selftrade - Customer service experience
Hi, I have been considering a selftrade selfselect ISA for 2008-9. I have called a number of times, sat in phone queues, used their call back service, all to no avail. I cannot get to talk to anyone in their customer service. Is this normal, is it what I should expect? If so I am not sure I want to deal with them. I have a…
Stocks & Shares Isa-worth it or not?
Both myself and partner use up our Cash Isa Allowance every year and then have approx 20k in a basic savings account. It has just occurred to me that we're not using up the other allocation of 4k in shares Isa's. (We used to add to a stocks and shares Isa monthly but it lost money and so we cancelled it). We would not want…
My Abbey easy ISA...
When i asked in the bank last week i was told that any interest on my ISA was added daily..i asked that if i added a chunk before the 5th of April would it give me more interest..i was told no. I have just had my statement through and it says that i have had £37 odd interest added on the 3rd of march? why if it is added…
ISAs - slightly confused
Hi I just want some clarification on something before I make a mistake! I have an ISA and have used up my £3000 allowance this year. I plan to open a new ISA next week. This is my confused part - will I be able to pay £3600 into both accounts in the next year (total £7200) or will I only be allowed to pay £3600 in the next…
Transferring my mini ISA to a better account - advice needed
Hi I currently have an instant access mini cash ISA with Nationwide paying a return of 5.05% AER according to their website. I have had this ISA for about 6 years but have never thought of transferring it to another bank/building society to get a better return on my money. I didnt even invest anything in it last financial…
Which banks still accepting 07/08 applications ONLINE only?
Due to me being disorganised, I haven't got round to sorting out my ISA. I did and was trying to open the Barclays tax haven at 6.5% however they've been totally incompetant and have made it impossible for me to get it done. Summary of circumstances:* Need to be able to apply online. I'm out of the country all this week…
Transferring Cash ISA Balance
Can anyone help me? I have an existing cash ISA and want to transfer the balance to the A&L direct ISA (6.25%). When I go to apply, the application form states that I need to open a Direct ISA before I can previous cash ISAs in. However, the application form also states that I must not open an A&L direct ISA if I have…
Help with Barclays ISA
deleted by poster
duplicate post - i can't delete it!
duplicate post
Egg ISA help... please...
Hi! Another ISA question sorry... I have a Egg ISA for the current year which has been randomly filled throughout the tax year and I now have £2998.00 in it. I want to add the last £2 in before the tax year is up but it is only letting me transfer £1.99 and not £2. I have not taken any money out of it this year and it says…
Pensioners tax free allowance and ISA
I can get a monthly income from a fixed rate ISA bond available from the Nationwide. Can anyone tell me if the interest would be used to reduce my age-related tax free allowance?
H-Lansdown - Bundling of PEPS/ISAs if taking income
I currently have both Growth & Income funds in PEPs and ISAs with Hargreaves Lansdown, with all income being reinvested. If I wanted to take a small amount of income from my investments can I select whether to take it just from PEPs only, or just from ISA's only or are investments all bundled together and customers forced…
isa advice needed
hello please could you advise me as i am new to isas. i opened my first mini isa with first direct today. i used this bank as i bank with them already and i wanted to place my money in by the end of this tax year, so this was the quickest option. not sure if i have done the right thing? would it have been better to place…

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