-
Santander has lost my Cash ISA Money!!!
Rather serious problem for me. I requested that Santander transfer my Cash ISA from Northern Rock to itself. The transfer was requested in early April and I checked in my Northern Rock account to see if the funds had been transferred. My account had been closed, the interest added and the money apparently transferred. Week…
-
When does is it not worth it to have a Share ISA?
I have a Halifax Stocks and Shares ISA. I no longer contirbute into it (retired and 74 years old). I receive around 300 in dividends every year, but pay 40 in the annual charge and anout 2 pounds in dealing charges (I think because dividends are reinvested). When does the amount I am saving in tax outweigh the charges?…
-
Where to put my 2011/12 Allowance?
Hello Ive spoken to many people on here about many different ways i can save and im now getting really annoyed and confused, lol. I have my 2011/12 (maxed) in an instant access ISA at 3.0% and £3000 sat in my current account. I can also save £200 per week until i reach my ISA limit for that year then need to stop saving…
-
Skipton Cash ISA - warning to current savers
Hi, I religiously check the rates I receive on all of my accounts . I was checking http://www.skipton.co.uk/savings_and_investments/isas/cash_isa/ to make sure the rate hadn't changed on my "Cash ISA" . Your paper statement will say "Cash ISA" , when you log onto your account it will say "Cash ISA" but in reality you may…
-
ISA Transfer query
I have an ISA coming to full term on , for example, 31st October this year with Bank A. If I have already used this year's allowance with Bank B, am I free to transfer Bank A's ISA balance to Bank C-Z (or even B) ? Basically, can you just open an ISA with a new provider ONLY with a balance from another provider? TIA Vigman
-
Can I move all or part of my ISA to another location?
Starting in the Tax Year 2008/2009 I opened a N/West ISA Plus Account. I've added to it in subsequent years and this month put the full 5,640 into it. Now I'm thinking it wasn't so smart. Why? I've just received a letter informing me the 'interest rates' on this ISA are about to drop.:cool: Having now invested my total…
-
New to ISA
Hi I wanna get some information, I opened a cash Isa on the 2nd of April with Santander and transferred £4000 to it. I just checked the account and there was no interest. Was I supposed to receive interest? I'm confused in regards to this Any help is appreciated!
-
Have I lost the plot?
I have an old Scottish Widows UK Tracker S&S ISA :o I use Trustnet to keep an eye on the current unit price but when I looked here today http://www.trustnet.com/Factsheets/Factsheet.aspx?fundCode=SWUKII&univ=O&pagetype=overview I couldn't see that information. I'm sure this page showed the daily unit price of A & B Inc and…
-
Nationwide Exclusive Cash ISA 4.25%
Just come off the phone from Nationwide as my wife was unable, because of the queues, get any details regarding our eligibility for opening this ISA with them Call centre very pleasant to deal with as they are aware of queues in branches and were willing to explain our eligibility. Bottom line is even though it is not our…
-
Lloyds TSB Cash ISA - Interest statement
OH has had a Lloyds Cash ISA for a few years. His opening balance in April 2011 was £29.5K. His closing balance April 2012 is nearly £35K. His current agreement is 2 Year Fixed, commenced May 2011, @ 3.6%. He has just received his annual statement, which says: Gross Interest Paid for Tax Year 6 April 2011 - 5 April 2012 =…
-
Getting up and running with a FTSE All Share Index Tracker ISA.
Hi Having done a little research, I would like to open an ISA for the FTSE all share index. The HSBC tracker looks good on paper with no initial charge and 0.27% TER One problem, in order to apply for this direct you need to have an existing HSBC account (which I don't). I will be looking to pay in £100 a month, possibly…
-
Beat 3.5% for 1 yr fix (need over £40k!)
Probably not much use to many people as not that many have over £40k sat in an ISA but hey ho, if its any use to anyone good. Just thought of something whilst reading the best ISAs article, if you have over £40k in cash you could beat the current top 1 yr fix (3.5% from Santander) by opening a Marks and Spencer 3yr fixed…
-
ISA Funds - Buy & Hold Strategy
I've a ISA + a SIPP. Each have similar funds and given that I moved everything around 2008, I'm up on a number of funds. Some are up +80%, +56%, + 75% I'm no expert but do I cash these in and take the gains, then drip it back into the same funds over the next 12months? The market is bullish and no significant drop just…
-
Cheapest Vanguard LifeStrategy S&S ISA
Hi, I am looking at opening my first S&S ISA and after a some research have decided to go for a passive investing strategy and make monthly payments into a single Vanguard LifeStrategy 80% Equity fund. According to my research (searching google), a HL S&S ISA would be cheapest for holding a single fund with a £24 pa…
-
What to do with matured ISAs?
I have two 5-year fixed-term cash ISAs from this and the last tax years. My plan is to get a new one every year until I have 5 open at the same time, and then use the money from each year's maturing account to fund a new ISA for that tax year. Is this a good idea, or are there cleverer things to do with a maturing cash ISA…
-
Fidelity Wealth Builder... not!
Hi, this is a bit ridiculous as I probably should know where to find this information! But I've been paying into a S&S ISA for quite a few years which was originally advised as my 'Repayment Vehicle' when I had an interest only mortgage. I sold the property but have blithely continued paying into the fund assuming it must…
-
Post...Or Hand in to Branch?
Hi All, Quick question. Have 2 completed ISA transfer forms needing to go to Santander. Is there any advantage in terms of speed to handing in to nearest branch rather than posting to address given on website? Or does it make no odds? Thanks. :)
-
Confused about transferring a previous years ISA- please help!
Hi everyone, I'm new to this forum and this is my first post! I've read all the background information about transferring Isa's but I just need a couple of things confirming to make sure I've got things right in my head! I've got a previous years ISA that I would like to transfer into a new one, I haven't paid into my…
-
New Cash ISA?
I transferred my existing cash ISA from Halifax to Santander's 4% 2 year fixed rate Major ISA at the back end of the last tax year. I was advised by the in branch personal adviser that if I wanted to top up the fixed rate ISA with an additional deposit, I could provided I did it between 6th and 14th April 2012. As I had…
-
Saving in two cash ISA's with the same provider......?
I have been reading the webpage "ISAs explained" on the Nationwide Website. Under the section titled "What types of ISA are available?" it states that there is the "Option to split your allowance between Nationwide's full range of cash ISA accounts, for example, save £2,500 in an ISA with instant access and your remaining…
