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What I learnt this week - Challenge your ISA interest rate every April
Hi Moneysavers This is my first ever posting on MSE, but I just wanted to share something that I found from the cashier in Abbey National last week and wanted to spread the tip. In April 08, I searched high and wide for a decent mini cash ISA and eventually picked the Abbey National Direct ISA (Issue 2), which was paying a…
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Contract Note - how legally binding?
On April 3 I took out a Capital Protected Fund with Scottish Widows. On the Contract Note it stated that the initial charge was 0%. It went on to say "..... Contract Note is evidence of a legally binding deal." Today I received a letter saying "....due to an error on our part your investment was keyed in without any…
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isa charges?
hi , i'm very new so bear with me. i've just been looking at my barclays current account and an amount has been debited as a "BSL ISA ADMIN FEE" which i know nothing about. can anyone enlighten me as to whether this is right or not? thanks
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cash isa - tessa funds
hi my old cash isa-tessa funds (toisa) at Natwest is getting poor level of interest. I have already subcribed the full £3600 for the 2008/09 tax year to an A+L e-isa. Can i transfer the old isa-tessa funds to a new cash isa with a better rate in this tax year? any advice pls
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Egg Cash ISA - 6.05% (merged)
Was just on the Moneyfacts website doing a bit of research for next tax year, and it came up saying that Egg have a Cash Isa that pays 6.05% http://www.moneyfacts.co.uk/savings/bestbuys/savings_mini_cash_isa.aspx Don't remember seeing anything about this anywhere. I went onto the Egg site to have a look, and apparently…
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Increased ISA Allowances
In mid April I took out a regular saver ISA, opting to save the maximum of £300 per month. Then the Gov announced an increase from October to a yearly £5100 limit. But my bank tells me I'm stuck with the terms of their account (£3600) and that I can't open another ISA in October to take advantage of the additional…
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Topping up last year's isa?
Hello everyone, I know it's probably been asked before but I can't find it anywhere. I'm a bit confused! Can I still top up last years ISA to the max? I only have 3200 in it. And if I can, the interest that has been put in doesn't count does it? I'm thinking it has to be 3600 of my money. I might not be able to max out on…
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Barclays new cash Isa news disussion
This is the discussion area for the Barclays unveils new top cash Isa NEWS SERVICE Please click reply to discuss Plus there's more info on the product is in the Best Cash ISAs guide.
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Moving money out of Natwest e-ISA
If I open a Natwest e-ISA today, and pay £3600 into it, and then the interest rate drops in a couple of months' time, can I open a new ISA with another provider and transfer the £3600 into the new ISA? Or is there something in the ISA rules or Natwest's rules that prevents this? Thanks for any advice!
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Natwest - Cash isa
opened the isa last year - get only something like 1%!If I open isa now I see they offer 3.25% - do I need to close last years - sorry new and confused by it...
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isa transfer
Isa minefield. I transferred £9000 on 8th april 2009 from Abbey easy isa to Abbey direct isa. Can I still add this years £3600 allowance?:confused:
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Basic question about Stocks and Shares ISAs.....
Just wondered if someone could tell me, I'm putting in an application for Stocks and Shares ISAs. I'm investing in 3 different funds all with one provider at a total of £500 each - total of £1500. I know my total allowance for the tax year is £3600 (already done my cash ISA....) but in the smallprint it states "I have not…
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Speed of ISA transfer
Hi I have a few years of NS&I cash ISA savings. I am thinking of putting this year's allowance into a new Nat-West cash ISA and then transferring the NS&I balance in. Has anyone done this and how long did it take? Also I am not a NatWest customer, so how long did it take to set up the initial NW savings/current account,…
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Nationwide ISA Transfer to First Direct
I am attempting to fill in the Transfer form from First Direct and have gotten up to the ISA Address and Account Number. Do I put the Electra House administration address which appears at the op of the Nationwide Cash ISA statements? Or am I supposed to give the Head Office address at Nationwide House? Also the account…
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Help about Stocks and Shares ISA's please
I've never invested in shares and and now want to invest in stocks and shares isas. I've just read on another thread that if you want to spread your ISA allowance that you have to go through a funds supermarket like Hargreves Lansdown otherwise you stuck with that one company, for example with HL I can invest £500 each in…
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Help about Stocks and Shares ISA's please
I am thinking about investing in stocks and shares ISA's and was looking for some advice. I plan to spread my allowance through different funds and providers for example £500 in HSBC emerging markets and £500 in Lloyds FTSE tracker etc.I read on another thread though that unless you use a fund provider like Hargreaves…
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Lloyds TSB Isa
April 2008, my husband and I ( very regal) transfered all our previous isas 3 or 4 different providers to LTSB 6.5% fixed, plus the new allowance for 2008, ok we were stupid and didn't check as it was the local friendly branch that it was all done. so, not until this year when old providers sent us a statement did alarm…
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Mistakenly Paid into 2 Cash ISA's, What to do?
I was wondering if somebody could please give some advice on how I should proceed. I have an existing Cash ISA with Nationwide; I am currently in the process of transferring this to a NatWest e-ISA. I have also opened a new Barclays Golden ISA, which I have paid money into for this financial year. The issue is that I,…
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Why Transfer?
Hi All, Can someone explain why you have to transfer between one ISA and another. I know Martin recommends never ever closing one account and opening another as you lose your tax benefits but why? I currently have 5 ISA's but haven't made any payments for this current year and 3 of my ISA's haven't had any money deposited…
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Confused about ISA rules
Hi. I have been putting a regular investment into a stocks and shares ISA with royal London for a few years now, as the payments are direct into my account, the payment into the new tax year was automatic, meaning that I have one stocks and shares isa this year. I have just been on a financial seminar and have decided that…