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isa withdrawal and redeposit
hello everyone hope someone can advise me. i have an A& L direct isa. i invested 3k then took out 2k does this mean that i cannot invest any more into it as i have already invisted 3 k this year? :money:
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Transfering part of a mini ISA - Is it possible?
Does anyone know if it is possible to transfer part of a mini ISA to a new provider? eg: - I payed £3000 into Skipton in the 2003/04 tax year - I payed £3000 into Halifax in the 2004/05 tax year Could I transfer £1500 from Skipton to Halifax? (Skipton tell me this can not be done, but other information I have seen tells me…
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Irish Isa
Hi All, I have an irish girlfriend who im trying to convince to get an ISA, I think they have a similar scheme in ireland but I dont know too much about it. She lives and works in the UK permanently but holds an Irish passport. Should she apply for an ISA here with her normal bank, or apply for one in ireland? Thanks for…
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First Direct Mini Isa
WHAT A HORROR! I applied online for a First Direct Mini Isa. Received application form sent off my cheque. Nothing. After 3 weeks my bank statement confirmed my cheque had been cashed. Phoned First Direct to ask if THEY had cashed it and if so, where was my account info. Because I had an old First Direct Account (which was…
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Alliance & Leicester exit fee - is this a possible loophole?
I am in an email exchange with A+L over the £25 exit fee they charge when you transfer money out of their Direct Mini Cash ISA. I am basically saying that I don't think they have very good grounds to charge this fee and I'd like some opinions from anybody out there to say that my argument, which is outlined below is a load…
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Real ISA Muddle!
Help! In some of my other posts i've been bemoaning Abbey and their postal ISA delays - so much so that 5 weeks after sending an application to transfer from Safeway to Abbey Postal, I rang them and they said they had no details of me and that my application was lost in the post. So, assuming the Abbey one to be lost…
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Merrill Lynch stopping Windfall Shares PEPs
I got a letter from Merrill Lynch on Saturday saying they were no longer going to be supporting windfall shares PEPs (previously Mercury ones) Can anyone advise who currently support these and do you have any recommendations? Thanks!
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MSE newsletter - Don't leave your old Cash ISA to fester ?
Take no notice of the MSE newsletter, I think it would be a great idea. All donations greatly accepted Fester
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HSBC to First Direct, How Long?
I have recently transfered what funds i had in my HSBC ISA to the new First Direct ISA to take advantage of the Interest rate. Filled in the forms, posted them off and waited. Checked HSBC online banking on Monday and the ISA seems to have been closed as theres no trace of it now in my accounts, however on checking my…
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Withdrawing from an ISA
Unfortunately i need to withdraw from my ISA cash saver: 1) I havent put any money in this tax year 2) I need to withdraw £1,500 3) Can I still put in £3,000k towards the back end of the year or will be only allowed to put £1500 in Not sure how this works and the penalties - hopefully someone can help! Cheers, Albert
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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,…