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A&L Direct ISA
I've begun the process of moving away from Santander (ne! A&L) and will shortly be closing my Premier Direct Current Account. Does anyone know what happens with regards to my ISA as it is linked to the current account? Will they even allow me to close the account because of the ISA? I've got no intention of paying them a…
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Can i transfer my Stocks and Shares Isa?
Ive recently opened a stocks and shares Isa but im not impressed with the service so would i beable to switch to another provider this tax year or do i have to wait untill next april?
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C&G 2.7% ISA - Transfers in catch
Although C&G's current best buy ISA (at 2.7% including initial bonus) allows transfers in, they don't want my money - there is a subtle catch in the Ts and Cs. In summary: You can't open the ISA by transferring in 'old money', unless you also transfer in from an ISA to which you have subscribed in the current tax year…
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Northern Rock ISA transfer out
Hi there, I had a fixed Rate Cash Isa with Northern Rock last year which matured last December 2009. I received an offer to transfer it to another fixed Rate Isa in November 2009 which I sent off, however it was too late and as I was overseas I just found out about it. I asume it automatically went to the "low interest"…
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Equity ISA Bank Charges
Our M&S shares bought via 2 Maxi ISAs are now worth much less than we paid for them 5 years ago or so. To add insult to injury RBS charge us £30 'maintenence' each p.a. so we decided to close the account, get the shares certificates and sit on them for a while. I was advised that in order to get my share certificate we now…
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Transferring money out of S&S ISA
This is sort of a retirement question but I think it more relevant to this board. Please ask for it to be moved if you disagree. Let's say that I am saving for retirement by putting money in a S&S ISA, not a pension and I calculate that I will have a lump sum of £200k in the end (the figure itself is not important except…
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Beware Santander and accuracy of ISA interest rates
This is to warn people to be very careful to check that Santander is paying the correct interest rate on its ISAs, and is not shortchanging the account holder. I have now been bitten twice by Santander, and am extremely wary! The problem first arose back in March this year (I started a thread about it in this forum and got…
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NS&I ILSC Matures next month
My 3 year NS&A ILSC (15th Issue) matures next month and you get a few options: a) let it roll over automatically for another three years b) Cash it in c) Invest in another NS&I product including ILSCs My question is if I pick option a) let it roll over automatically for another three year term do I get the same percentage…
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Halifax ISA Saver Interest rate
I have had money in this ISA since my TESSA matured in 2001. It is a variable rate ISA with interest paid annually. I was always notified at year end (May) of the interest paid and current balance. The interest fluctuated from year to year, but was always broadly in line with other saver interest rates. This year I…
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building my portfolio..
guidelines are; a) looking for long term capital appreciation, certainly intend to hold for 5yrs + b) strong weightings in the emerging markets regions, Brazil, India, China e.t.c.. c) reBalanced annually into 'less risky funds', so need a couple of these. d) On a 1 - 10 risk scale with 10 being max risk i'd rate myself as…
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A positive ISA Transfer experience!
Hi After reading all the threads on here I was dreading transferring an ISA from First Direct. I decided to go with Halifax rather than Nationwide, mainly due to people's experience on here. So the ISA transfer form was handed in on the 22nd June at the branch, received notification from First Direct that the funds had…
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Santander ISA Problem - Other Customers Details Sent To Me
My wife and I both have / had Santander ISA, we decided to cash these in, first mine which I tried to do over the phone 3 times, each time informed that I would receive a cheque within 7 days, each time I received nothing, so I went to a branch and they said it was impossible to do over the phone as forms needed to be…
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Stocks and shares ISA - can be used a 'wrapper' for choice of own shares?
Hi everyone There are certain shares I want to buy. Someone told me you're able to buy any shares you want and put them in a stocks and shares ISA. Is that right? I can't find any information about it. Many thanks Lou
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ISA Advice
Hi, hope someone can help... I have an ISA with one provider which for this tax year (2010/11) I have now put in £5000 (cash). I recently opened a second stocks and shares ISA with another provider with a view to further and future investments, but to open this I had to deposit £100 (cash), which takes me to the ISA limit…
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Sunday Morning Slowness - Can't pay in to more than 1 ISA?
Hi, I opened a FD ISA at 3% in december last year. Its due to revert to 0.2% (or soemthing similarly poor) in december this year. I haven't started this years ISA allowance yeat and was about to pay it in to FD but then realised I wouldn't be able to transfer it out to another account in december becaus eyou are not…
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To ISA or not to ISA?
My partner and I are going to start saving for a house deposit (approx £10,000), we're aiming to save over the next 12 or so months. We both have one, and so I will fill mine and vice versa. However, is it not true that you only gain the interest benefits the following tax year? Would a 'normal' savings account be better?…
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A bit of advice regarding ISA transfer
Hello, I've been saving with Fidelity for a number of years now in their MoneyBuilder UK Index Fund via regular monthly investments. I was thinking of transferring over to H&L - mainly so I can have funds and shares in an ISA wrapper - but noticed that H&L charge a fee (0.5% + VAT) on this fund. Should I look else where…
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Advice Wanted Regarding Saving Approximately £5000
I am looking for somewhere to save around £5000, maybe a bit more (up to about £8000, I am not sure exactly how much I want to put away yet.) I am willing to tie the money down for up to five years, deffinitly three. The MSE guide on savings suggests that the first place to put money should be a tax-free ISA, however, I am…
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Newcastle 6 year ISA?
Has anyone got thoughts or advice on the Newcastle 6 year ISA based on the FTSE, please? TIA Vigman
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Principality BS 1 Year Fix - T&Cs question
Am interested in depositing my full cash ISA allowance into this and enjoying the 2.8% fix for the year. However the terms and conditions have this paragraphs in them: 7. Withdrawals from your ISA are not permitted prior to Maturity. 8. Closure of your ISA will be permitted subject to 180 days’ loss of interest. 9. Your…
