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A&L Transfer problems PLEASE HELP
Due to the exit charge Martin mentions when transferring externally from an A&L ISA - I transfered internally my Tessa only ISA -> Direct ISA in branch - took over 50 mins not impressed :mad: My main issue is afterwards they tell me the accrued interest will not be paid /transferred across until 1st January next year!!! Is…
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closing ISAs?
ok i know you should transfer from one to another but what if you need the money (eg. now want it for house deposit) do you just close it? will you loose your tax free benefit?
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Do Norther Rock penalise for transferring their ISA?
I want to transfer my ISA from Northern Rock to First Direct. Anyone know if Northern Rock will penalise me???
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MSE Newsletter ISA confusing statement
In the last MSE Newsletter there was a link to an ISA article "Best Mini-cash ISA" (http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1077487692,12362,) Towards the end there was this sentence "If you already have a mini-cash ISA either from this or previous years don’t assume you’re stuck with it." Surely if you…
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Can I apply again?
I applied for a Mini Isa with A&L but have decided I don't actually want to go with them because of their shoddy customer service. I received a form off them asking me to send of certified identification for them to open my account (along with information about someone elses benefits etc - who were supposed to be me!). I…
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Abbey Postal ISA delays
I sent a cheque for £3000 to credit my Abbey Postal ISA on April 12th but the cheque hasn't been debited from my current a/c yet. Do abbey still have a back-log? I had a similar situation last year where I thought a cheque had been lost in the post so cancelled it, but it hadnt been lost - just took a few weeks to process…
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FirstDirect e-saver ISA
This may have the best interest rate but if you make a withdrawal you lose all of that month's interest!
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ISA Funds Networks
Hi Can anyone help ? I currently invest £150 a month to a mini ISA' direct to Fidelity and Invesco, this was originally set up through an "independant financial adviser" ! I pay an immediate 3.5% charge and a 1.5% annual maintenance charge + I expect the adviser gets a commission. I have paid in lump sums on occasion which…
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ISA'S - I still do not understand - sorry!
Help please - and be gentle - senior and blonde moments all at the same time. I have read and re-read Martin's info and looked at postings etc and still lost - the curtain has come down and I am looking for some pointers. Made redundant in 2000 invested £7k in an ISA Scottish Widows which as of 26th Jan 05 is worth…
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ISA indecision - help please!
I currently have £3000 in Intelligent Finance's ISA at 5% - I've had this ISA since last year. Having recently switched to Alliance and Leicester's current account, I ditched the plus saver (v poor) that comes with it and opened an online saver and online ISA as they were such good rates. On reading the T&Cs for A&L's ISA,…
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Which Cash ISA
I have money in bradford & bingley esavings account. Can someone advise which the best isa is for putting £3000 into from my esavings account. Also would you know if there is any charge for withdrawing money from the esavings account and what suggestions would you have with the remaining £1000. Your help would be…
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ISAs and Non Tax Resident
I have some ISAs. I am going to live abroad for a few years and I shall no longer be tax resident in UK. Do I have to cancel my ISAs or can I hold on to them?
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Which ISA
I have money that i put away in a Braford and bingley savings account around £5000 i need to open up a isa. Which would be the best to open and should i keep the remainder of the money in the bb esavings or move it else where?
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Advice Wanted
Hi, I'm thinking of starting some investment in stocks and shares, and I wanted to get some opinions at to whether it is worthwhile. At the moment my situation is as follows. I have two student loans of approximately £1500 each, and I regularly dip into my overdraft, usually around £500 o/d each month. I've also got…
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Bradford & Bingley ISA
Last year I took out a fixed rate ISA Issue 1 with the B & B at 5%. I have just enquired about the rate and am advised that it is now an Easy Saver paying only 4.55%. They have a Capital Saver paying 5.05% which they could have asked me if I wanted my old one transfered into it. Not looking after existing customers! So I…
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monthly interest
does anyone know... are you allowed to transfer money in and out of an isa each month? e.g. if i deposit £1000 a few days before interest is calculated then remove it afterwards, will the interest be calculated on that new temporary total amount and how many times could this be repeated?
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mini ISA, not an easy decision
It is not only hard to find the right provider but also the way of how to invest the money. 1) Monthly payment of £250 / annually interest payment of 7.5% / £30 fee transfer to a different provider 2) Monthly payment of £250 / monthly interest payment 4.27% 3) Get £3000 from one or more 0% credit cards and invest it at one…
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Cash ISA problems with Abbey
I have an existing cash isa with abbey. I rang them on the 30th March to use my allowance up for the last tax year. They said fine and took £3000 by direct debit. I then recieve my end of year statement which doesnt show the £3000 i put in.I ring them back and ask what happened and they say the money didnt clear until 12th…
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Family Balanced Trust - advice please!
Hi, I have a Family Assurance Balanced Trust ISA. It was originally taken out to part-pay off a mortgage, but that requirement has been superceded now. I stopped paying into it a few years ago. In total I've paid about £3.5k into it; it's currently worth about £2.4k. I was hoping to hang onto it until it's value came back…
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What happens when more than £3,000 is paid into a mini cash ISA?
What happens when more than £3,000 is paid into a mini cash ISA in the same tax year? A payment has accidentally - I was sure that I set the standing order to 25.04.2006, rather than 25.04.2005 :o - gone from my current a/c into my ISA this morning :( . Will this money be automatically returned to me or might my ISA be…