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ISA newbie
I have £7k of cash in hand and I have never had an ISA before. I am considering an ISA (3% interest pa) in my name to deposit this year's allowance of £5340 and the rest in an ISA (3.2 % interest pa) in my wife's name. 1.) Can I deposit the whole £5340 as a lumpsum with my chosen ISA today or is there a limit on the max…
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Multiple ISA Query
Hi, I have all my savings in a Santander Direct ISA. The interest rate is about to plummet so I opened the new Flexible ISA with Santander to benefit from 3.3% on new savings. Obviously the Santander Flexible ISA doesn't allow transfers in. So I opened this thinking I could open a Direct Reward ISA with Halifax and…
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Strange letters from Halifax?
My mother has received 2 letters today from Halifax 1) A letter saying they have recently issued an application form for transfer of her ISA but have not received a reply and that a blank application form is enclosed. The other piece of paper enclosed is a totally blank page! she hasn't asked for one 2) A second letter…
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ISA withdrawal question
Hi All I have a quick question if anyone can help me, I have an ISA from last year with its full allowance (£5100 + interest) which I then transferred into this year’s one. I now need to withdraw and use some of the money for home improvements/maintenance. I am presuming that I could withdraw the £5100 if I needed to and…
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Stocks + Shares ISA's shares + funds?
Hi, I intend to open a stocks and shares ISA soon and start investing a monthly amount in one or two funds. However when I acquire enough experience I also wish to purchase shares probably infrequently. Now i'm aware you can only invest in one stocks and shares ISA per year, so will i have to cancel my monthly subs to the…
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Santander or Regular Saving ISA?
Hi all, I've been a lurker for the past couple of years whilst being a student and now I've graduated I finally have some cash to save. I've been reading all the posts regarding the best ISA for this tax year and on the MSE main pages, they recommend Santander for the best rate (3.3% and tracker) but reading all the saving…
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CaterAllen 3.3% 1 FRISA
Howdo all, Just wondering if anybody has experience of transferring into the above please ? Have a few ISA's coming to maturity and looking to find suitable homes for them. One option might be the Cater Allen 1yr FRISA at 3.3% but being part of Santander I wonder how things might turn out :eek: I would hope (optomistcally…
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stock & shares ISA
Hi, I'm looking at starting a stocks & shares ISA, with medium risk as a long term investment. Any ideas ? I've looked at various comparison sites, but I get different results from each one. Very confusing
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Transfer previous year's Cash ISA to S&S?
I have an S&S ISA running already (and partly funded) for this year. Can I now transfer previous year's cash ISAs to a different S&S ISA? I want to open one more suited to buying funds, so plan on using a different provider. Thanks :)
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Halifax ISA Transfer Confusion
Can any Halifax ISA customers answer me the following question please? If I open a Cash ISA which allows transfers, can I also ADD my £5350 allowance for this year to the transfer? The reason I ask is that the account states "no additional payments once account is open". It's a Fixed Rate Cash ISA by the way.
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Paying An IFA, Fee or Commission?
What is better pay my IFA £300 to set up my isa or at his alternative suggestion take the money from the commission?....if we pay the fee do I get the commission?
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Why so long?
I transferred my ISA from Santander to Nationwide but I was warned by the Nationwide that the transfer will probably take from a month to six weeks!!! How on EARTH can this be justified? in my opinion they are just profiteering from my money..........unless someone can give me avalid explanation for this. Comments please.
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Little confused with HBOS Cash ISA
I opened a cash ISA with the Bank of Scotland (Halifax) just before the new financial year deadline in April. I put £500 in when opening it via transfer from my BOS current account. According to my online banking I have an "ISA Direct Reward 4" account which was opened on the 1st April 2011. On the 5th April 2011 I was…
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Best platform for selected S&S ISA
Hi guys I have been looking at ready made ISA's from different platforms. To my understanding these are ISA's set up by supermarkets which in turn invest in a variety of funds, which are labelled as low, moderate risk adventuros etc. These look appealing to me as an inexperienced investor. My questions are, 1) If the…
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Nationwide account number- too many digits?
Hello My OH and I opened a Save to Buy account with Nationwide (his idea: there is hope!!) and when I tried to set up a S/O from my Halifax , the account number (XXXX/xxx xxx xxx) just doesn't fit in. I seem to remember from work that with building societies, you drop the first number- as the first XXXX/ is the sort code,…
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santander isa's protected?
sorry folks this is a repeat of a thread I mistakenly posted in bank a/cs dept. I did recieve a reply from Baldur - thanks. Just thought I'd square it up here in case there are others who might be on the tail of this news. I have been informed today that it might be a good idea to get any monies I have in santander, out.…
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Some basic ISA questions
Good afternoon all, I've been lurking on these forums for nearly four years now - i registered all that time ago and only posted a handful of times but now i feel compelled to post! Anyway - to my presumably idiotic questions about ISAs. Please bear with me! I've read ML's guides and still have a headache... :) Yesterday…
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Halifax Children's Regular Saver reaching maturity
So the 12 months will be up soon and looking what to do next and was wondering what some of you could suggest? It's got a £1000 in and I haven't opened up an ISA for myself this year so would I be best putting my daughter's money into a new ISA or find another account completely seperate from my personal ones for her?…
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Confused with ISA Transfers
Hi New to this so hope i make sense! I have had a santander ISA for 6 years paying some in and taking some out in each financil year. However the rate for 11/12 is very low and i want to transfer but despite reading lots i am am still confused about the following. * I have already paid a small amount of my 11/12 allowance…
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Childrens accounts
I’m new to all this but here goes….Have just received my annual statements for the two Halifax Regular Savers accounts I have for my children and very disappointment at the interest they earned. Probably all my fault for not understanding money full-stop as I thought 6% interest on maturity meant that at the end of the…
