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Couple of questions about S&S isas...?
Hi everyone, couple of quick questions... 1. I'd like to use my full 10.2k isa allowance, but am not necessarily looking for a great return, just something v.low risk (maybe 3-5% p.a.) - any suggestions? 2. Say i've got a s&s isa - can I transfer this to a cash isa in future years, or does it have to stay in s&s? Many…
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ISA versus NSI 3 year Infaltion Beater
I am 61 a lower rate tax payer. My M&S ISA for £15000 is maturing this month. Am I better to reinvest with an ISA or invest in NSI 3 year inflation proof bond. In other do you think inflation rates will increase over the next 3 years.
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Topping up an "old" ISA to £5,100
Ignore Please remove.
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Lloyds Bank ISA - I've dropped a clanger
Whilst away and in somewhat of a hurry accessing bank accounts I transferred some money into my ISA account which was supposed to go into my current account - as soon as I discovered the mistake I transferred this exact same amount back out again. Now Lloyds Bank tell me that this mistaken transaction has reduced my ISA…
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BEWARE SANTANDER ISA's
I know there are a lot of threads. but i really think people should be very vary opening an ISA or any account with Santander. Their customer service is appaulling. Me and my wife both opened a direct ISA and flex ISA account with them towards the end of last tax year and had money from other ISA's transferred into them,…
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A&L Flexible ISA
I've got an A&L Flexible ISA that I opened in March while it was still on offer at BoE base rate +3%. I used last year's ISA allowance to the full and now I'd like to start making use of this year's. Stupid question, perhaps, but will my "new" deposit also generate 3.5% interest?
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first direct isa
following recommends on this site I opened a First Direct cash isa in apr 2009 at a rate of 3.1%.... when I signed up I am sure it said this rate was fixed until 31st Oct 2010....but they have dumped me onto a 0.2% rate since Apr this year and say these were the terms I signed to. I have no record as everything was…
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Santander flexible isa issue 2
Having seen this recommended on the main site I`ve just picked up some info about it from my local branch. According to the info it can be opened online, but I can`t find any means of doing this. Can anyone help please.
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How many ISA's can i have?
Hi There, I am new here, have had a look at the forum to see if my question is answered before asking but i am not 100% sure so if its asked already please forgive me. I opened an ISA about 5 or 6 years ago, the only money that goes into it now it the interest it earns. Does this mean that i can open and pay into another…
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Funds in S&S ISA
16 months ago I started a S&S ISA, £300/month (6 x£50). I had no previous experience in selecting funds and selected as follows, 2 UK, 2 European and 2 Global. I read others mentioning knowing when is the time to sell and buy, and as I am in this for the long term, never really bothered. Although I must say I never really…
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Have i messed up this years ISA?
I was busy completing my second year at Uni when the tax year came around and have just realised that my ISA has been shifted down to 0.05% or whatever. I've deposited a couple of £100 pounds into it since the start of the new tax year can i still transfer my ISA to another bank for a higher rate of interest?
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Santander transferring ISAs
Although Santander seems to be a good buy for ISAs and even transferring old ISAs offer good interest rates. The problem is getting transfers completed. Although we did the paperwork through our local branch (Milton Keynes) they cocked it up and now refuse to help rectify it. So we are bouncing back and forth between phone…
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Newcastle BS Cheek!
After all the hassle I had opening a 4 year ISA with Newcastle BS who then closed the account and wouldn't allow me to fund it, they said they would credit me back the 500GBP deposit. I've just looked at my bank statement and they have credited 491.12 :mad::mad: Anyone else experienced this? TIA Vigman
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What should I do with 15k (stocks and shares vs cash isa)?
Hi here is the situation: I have 2 X previous years cash isas (worth about 7k) 1 X bond (about 3k, cannot move this for 2 years) about 3k in a savings account (rubbish interest) + have just received 4k. Also hoping to save ~ 4k a year for the next 3 years, so hopefully in 3 years time I will have about 30k in total saved…
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ISA from previous tax year, automatic sub?
Hi guys, quick question. Opened an ISA last tax year and still have an amount in it. The bonus interest lasts until around September. Since April I've put in about £1200 in to the same account. Does this mean I've automatically got a subscription to an ISA this tax year? Is it going to stop me from transferring to another…
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Transferring ISAs questions
Hi me and my wife both have an ISA each with different providers that we set up a couple of years ago so we're not getting much interest at all really. I've researched transferring them to another provider for the next 12 months to get more interest. At present there is £6,000 in both. Can I transfer them both into one new…
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Santander 13.5% ? Offshore
friend in pub (I know, I know !), who was born in Jersey/dual nationality), SWEARS that he "is investing off shore" with Santader and getting this rate. Is this possible on either a monthly or lump-sum ivestment. ? Surely not. Have looked on their site and all I can see is 3% + Wasn't all this 'offshore' stuff 'outlawed'…
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Nationwide transfer in !!
Does anyone else have a problem transferring money in to a Nationwide cash Isa ? I opened an Isa with them by transferring funds internally in branch back in the first week of May and then arranged to transfer funds from my Northern rock Isa which they have received, but all the funds are held in some sort of holding…
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Santander Fixed Rate Postal ISA 3.50% on £10,000+
Does anyone know anything about this ISA from Santander. It is a Fixed Rate Postal ISA paying 3.5% on balances over £10,000 fixed for 3 years. http://www.santander.co.uk/csgs/Satellite?appID=abbey.internet.Abbeycom&canal=CABBEYCOM&cid=1210610714844&empr=Abbeycom&leng=en_GB&pagename=Abbeycom%2FPage%2FWC_ACOM_TemplateG I…
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The Nationwide 3 year fixed rate ISA pays 4% AER
Nationwide say: 'Paying in - You can make just one lump sum payment by paying in cash or a cheque at any Nationwide branch. Once open, you will not be able to pay in additional funds.' I've a couple of questions on this: Does this mean that you can't transfer money in from existing ISA's? and Does this mean that for the 3…
