-
Barclays Golden ISA - Deposit Problems yet AGAIN
Saturday 17th July 2009, Barclays confirmed to me that Over 50’s can deposit an additional £1,500 into their Golden ISA account by posting a cheque made out to self with Sort Code and Account number printed on the reverse to: Barclays Savings PO. Box 75 Liverpool L69 7HG Saturday 03rd October 2009, 2 x cheques [wife and I…
-
Transferring a new isa
I have an isa taken out for this year. It was opened after the april deadline and I've now filled it up. I originally opened it because it was the best about in a pretty rubbish market for ISAs. Can I transfer it somewhere else, even though it's still in its first year? It was with Intelligent Finance.
-
is there even any point to an ISA??
I've been putting money into a Cash ISA with Natwest, just because I thought it was the smart thing to do.. but today I checked my account to see that my £16,000 is earning less than 2.00% interest! I can make twice that rate in a 2 year fixed rate bond.. is there any reason to continue with my ISA, or should I close it…
-
First direct fixed rate ISA
Hi People, i held an ISA with the coventry building society at a very poor rate. Ive just sent away the form to first direct for the fixed rate of 3%. Does anyone recommend this, Ive currently got £12,600 in there. Im saving around £1000 a month, im 21 years old, paying very lil rent to my parents! Ive nearly got my £5,100…
-
IF reduce rate... not happy!
Maybe i'm being unfair here, but would be interested to hear other people's opinions: Dear Sir / Madam I have today received a letter from yourselves regarding the rate reduction on my cash ISA. As a result I wanted to express my disgust at the way you operate. My issues are two fold: 1. Today is 19th October 2009. The…
-
HSBC fixed rate 3.25% - good?
I've never really paid much attention to savings / ISA's etc, until now that is. After recently loosing my husband I've decided I need to become more financially savvy so called HSBC this morning to ask what AER I was receiving on my ISA I have with them. It was 0.25% var :mad:!!! Know it's my fault for not researching…
-
Sorting My ISAs Out
A few years ago I went from a money spender to saver and now have 3 years worth of cash ISAs (inc. this years) with RBS (£3000, £3600 & £3600). I should also have the full £5100 ready by April for next years ISA. Having never been much of a saver I didn't pay too much attention to interest rates but now I have hit 5…
-
Skandia Mutltifund - new annual charge - stick or twist?
Hi I'm wrestling with the Skandia decision...on the 5th November the Skandia MultiFUNDS moves to the Selestia Platform (sorry Investment Solutions) and they get to charge me 52 squid a year so they can reduce there fund management costs ... well, at least that's the way I see it! I have around 20K invested (split between…
-
Can i start an ISA now ?
Hi, Wondering, can I start an ISA now ? or should I wait till April ? I have read all the stuff about getting locked in for the next year if I start late and wondering if this is always the case. + who would you recommend at present ? Thanks Jon
-
Are tax free friendly society accounts worth using?
I have been sent a promotional leaflet by a friendly society about a regular tax-free savings account. Basically I can pay in up to £25 a month tax free for a minimum of ten years in addition to my ISA tax free allowance. Only trouble is I haven't come across these accounts before and can find much advice on this website…
-
Quick ISA transfer
Previous ISA transfers have taken me up to 2-4 months to complete. I have just transfered from Principality to Bradford and Bingley and it was complete in 16 days. Are things getting genuinely better or is this a one-off.
-
Standard Life Bank - ISA & FSA Cover
I have my Sipp with SL part of which is cash, if I transfer my ISA from Natwest to SL does the cash part of the Sipp get added to the ISA for the purposes of FSA cover, from what I can make out the equity part of the pension is covered for 90% in case SL folds but I cannot find any concrete info about the cash part. If…
-
Unused Abbey ISA Question
Hi, I applied for Abbey ISA and First Direct ISA at the same time, to transfer my existing ISA with another provider. Abbey sent in a series of letter, containing Card, internet banking details etc.. went through the process but did not fund any money into this account which now has zero balance. I chose FD over this and…
-
confused and want to check before i act
I know someone on this board will be able to help me.... I have a postal ISA with abbey (which had a good rate the year I took it out - approx 4 years ago now) and i have a cash isa with progressive building socity (opened about 7 ish years ago). i have been trying to pay a little into my postal isa partly because its…
-
another quick question
If i was to transfer my existing isa which has about £2000 in it to say a fixed isa of say 3 years, would i still be able to top the balance up to £3600 for this year? or not? And i take it if you do this you cannot transfer it until the 3 years is up but you can still get a new isa in the next isa year? thanks again.
-
first direct transfer question
Hello, i was going to transfer my barclays golden isa to first directs isa last night because of the better rate etc, it says you can transfer into the first direct isa but where do you actually do the transfer? is there a tick box to say you want to transfer while you apply? ie i dont notice any transfer button, just…
-
Shares ISA question
Hello I know you can put £7200 into a shares ISA. Say I invested this all and it appreciated by say 10% what happens to the tax free element. Do I just get the £7200 tax free and anything above that limit not tax free? Or would any appreciation taking me above the limit be tax free too because I didn't deposit above the…
-
I don't pay UK tax - Is an ISA still the best savings account for me?
Hi everyone! I have been a subcriber to the weekly e-mails for years now, but this is my first forum post... I don't live in the UK any more and am therefore not earning UK wages or paying UK tax. I have just received some inheritance (about £8k) into my UK bank account and would like to put it in a savings account. I know…
-
Egg Isa
I tried to increase my ISA with Egg as I am over 50 the bottom line is they emailed me to say "We will not be changing our subscription limits for over 50's until April 2010. Making the change in October 09 is voluntary and this doesn't become mandatory until next April".
-
Partial ISA Transfers possible or not?
Is it possible to transfer part of a cash ISA to another cash ISA provider and part to a stocks and shares ISA? I would like to have a stocks and shares ISA but not with the full amount I have in my ISA. The ISA transfer forms I have seen don't seem to have anywhere to specify how much to transfer and assume the whole lot…
