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ISAs & tax-free savings
Archives for May 2011
Discussion List
Offshore Funds - Are you covered?
Hello, I've recently been looking at adding a new fund with H-L to my ISA and noticed it is an offshore fund and am a little confused on what this means exactly to me should the fund collapse. I guess it to mean the FSCS does not cover it? Does anything else cover it? This particular fund is based in Ireland - is it…
ISA Cash allowance
Ok, I opened a Issue 3 ISA with Barclays three days before the end of the 2010/2011 tax year and transferred the full £5100 into it. Because the interest rate on it is fixed for the year, i thought i'd transfer the new allowance (5340) into the same ISA after the 6th April. I have savings left over which i thought i could…
Halifax ISA conversion
I have had my ISA Direct Reward 4 (created and now fully funded by transfer from another ISA provider) changed by the Halifax to a Liquid Gold :eek::eek::eek: approximately a month after I opened it (I have not requested this). The cashier has said that the computer says Liquid Gold and that I need to bring my paperwork in…
Cash ISA mistake
Hi everyone, I'm hoping for some advice as I've made a mistake with payments to my cash ISA I opened a two new ISA's this year (one to transfer the previous years savings and one for this years allowance) as I understand this is allowable as long as I don't make payments this year into the transfered one. However, stupidly…
Lloyds cash ISA 2 year fixed, is this worth it?
Hi, Im looking at depositing into a cash ISA. Lloyds 1 year ISA pays 2.7%, but their 2 year fixed ISA pays 3.6%. The penalty for an early withdrwael means the loss of 160 days interest on the amount withdrawn. I dont think Ill need access to that money within 2 years, but if I do, am I right in thinking it would still be…
Withdrawing from a transferred ISA?
Hello I transferred an ISA to Halifax and have since opened a Flexible ISA with Santander to deposit new money. Am I allowed to withdraw from the Halifax one or is this not allowed? It is not fixed but since I've deposited into Santander ISA, am I right in thinking I can withdraw but not deposit into the Halifax one?…
Northern Rock 1 Year Fixed Rate E-ISA
Hi Has anyone else opened one of these accounts, or can anyone help with this query? I'm interested in opening one of these accounts to transfer some previous years ISAs into it. I already have an ISA for the current year with a different provider that I am happy with and don't want to tranfer this. On the Northern Rock…
Another A&L/Santandare Warning, protect your money!
I've seen a few warnings re A&L/Santandare but not this one, in addition to them being hopeless at letting me open accounts their website allows you to quick transfer from ISA to ISA but they have just told me that if you do so it's not an ISA transfer so you LOSE your exising ISA protected money. I moved some money from…
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