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NatWest changes
Hi -- I'd be interested to hear if anyone else is having this problem. I've had a letter from NatWest today (New Year's Eve) telling me that as a result of a mistake, the interest rate on my e-ISA is being reduced from 16 December. Of course nobody responsible for the letter was available today -- so this is 18 days or so…
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Nationwide Promises
I am in the middle of making an ISA transfer to Nationwide. Next week their "Promises" will come into effect http://www.nationwide.co.uk/savings/savingspromises/ I know it is Christmas time, but I have already been waiting 3 weeks. Is it likely I will start earning interest from the 4th January as the small print says? My…
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Shares ISA - help :) !
Hi I am a relative novice when it comes to ISA's. I have a certain amount of shares that were given to me to me for a company I worked for when I was living in India. (I had these shares on par so face value is less twas less than £300 at the time)This is an india registered company(dont know if this makes any difference).…
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Funds for 2011 and forward
Hi, I'm about to open an H&L Vantage Shares ISA. I'd don't have much free cash to start with, but have a longer time frame in mind (10yrs+) and at this stage I'm happy with higher risk funds. My plan is to open 3 funds with just over £1000 in each (H&Ls minimum) and then top up with monthly additions (£50) and I've picked…
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Best ISAs without introductory rates
Hello All, I am looking for a new ISA, however because my job has me travelling around a lot I would prefer to not go with one that has an introductory rate. Can anyone suggest a good Cash ISA that won't suddenly cut their rate in a years time. I understand that I'll be missing out on good interest rates. Thanks,
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transfering money from a cash ISA
Hi I have a cash ISA with First Direct. I was under the impression that I could withdraw my money out at any time. Today I was attempting to transfer money from it to my halifax current account The options it gives are: Pay an existing bill, someone i've paid before, between my first direct accounts or Pay a new bill or…
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can you have more than one isa?
simple question i hope....just need straight answer. can i have more than one isa? i have one already in my own name and put the max amount of 3600 per year. can i open another one either 1) on my own or 2) with my husband? or would my husband be able to open one?
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Halifax ISA Direct Reward - poss. dumb question..
Hi All Feel free to point and laugh, but the application page for this has confused me a bit. I have an ISA, currently with Scottish Widows bank that i pay some money into every month by standing order. The interest rate has just plummeted to 0.6% so i want to move my money. MSE says that the Halifax ISA Direct Reward is…
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Please clarify my thinking - ISA's
Hi all, I am about to start saving for the first time since I was a kid, and wanted to clear something up about ISA's. Is my thinking below correct.... I can open an ISA now, and pay in up to £5,100 before April 5th. Even if I don't pay in that much, the ISA will still be closed on April 5th, the money already in it will…
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Help I don't understand about saving accounts!
HI! I'm trying to save £3000 for a trip by the end of Feb 2011. I'm thinking of opening a savings account for that but I don't understand how they work, I thought I did but the more I read the more puzzled I get. I want to open an account mainly for that, therefore I will need to withdraw the £3000 (that is just my aim) by…
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Santander transfer
I currently have my savings in a Santander cash ISA - the interest is payable on the anniversary of the account opening apparently. Last time I transfered my funds it took forever (many months) - does anyone know the formalities of transfering after the interest payment so I switch into a higher rate ISA as simply as…
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Cheshire Fixed Rate Cash ISA - 3%
I had a letter from Cheshire as my ISA matures on 31st Dec. They offered me a transfer to a new a/c fixed ISA at 2.75% interest. I was a bit disappointed about this as better rates are available - I was about to set up a transfer to M&S, but had a couple of queries about it. Went into Cheshire branch and explained I wanted…
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tax on dividends
Hey everyone I was wondering if anyone could help me out... I have a "self-select" shares ISA with Interactive Investor. I have recently added some USA-listed shares to the ISA. However, I have now been told that the dividends from these are subject to a 30% withholding tax in the USA Normally, it seems that a form called…
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M&S ISAs have no sort code or account number?
Just went into a Halifax branch to hand in the form to transfer from my M&S ISA to Halifax. The Halifax staff (including the branch manager) said I needed a sort code and account number before I could hand the form in. But none of the M&S documentation I took with me had a sort code or account number - just a "customer…
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Introduction to Tax and ISAs
Good Morning All, Now it’s probably best to start off with the fact that I know absolutely nothing about taxes, and being a lowly graduate I have never had to come into anything to do with taxes until now, so any help will be much appreciated. Anyway, my dilemma is:- Over the course of the last financial year, I have been…
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So when is the pre April Cash ISA rush gunna hit?
Any thoughts on when/if there will be a new set of cash ISA's coming out from the banks to entice those who havnt used their allowance this year? Usually there is some sort of rush of new rates coming out before the April deadline. I still have my full allowance and am waiting for something worthwhile to stick it in.
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Newbie to isas
Please can you just clear it up for me. Are you only allowed 1 isa ? and say your over the taxable amount how much do u get taxed is it on the savings are is it on the intrest please clear this up for me for the future thank you :j
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Santander appointments
Just a quick note for anyone wanting to take out the 2yr 3.25% isa bond with Santander before it disappears, (or maybe other stuff too), and is being frustrated by a long wait for an appointment to do so. I was quoted a four day wait by my branch - I then rang a Santander agency less than half a mile away, and was told no…
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Halifax direct reward isa
Hi Ihave a Halifax fixed rate isa bond maturing shortly. Ive looked at their Direct Reward isa at 2.8% and even after reading the small print, I cant work out with certainty, whether you are tied into keeping it for the whole reward year, or whether you can transfer out to anothe provider without an interest penalty. I…
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total investment
hi, wondered if anyone would know this - if you had invested the maximum amount into the cash component on tessa and then isa since they started in early 90's how much, roughly, would you have accumulated in tax free cash by this year? thanks
