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Advice on ISA for 09/10
Hi there, I currently have an ISA open from last year with Alliance + Leicester. Back in the day when i opened it paid 10% interest. This has gradualy declined. Looking at putting a new lump sum of £3600 into an ISA for 09/10 tax year. Checked my AL interest rate and as of 2nd April it is still paying 5.80%. My question is…
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ISA Annual Interest Question
Hi, My parents both took out ISA's with Alliance and Leicester this time last year. However the interest is paid annually, they got their last payment in January I believe, now if they were to transfer this ISA to another bank would they lose their interest from Feb - April (This year) Or will they get this paid pro rata?…
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Confused?
Hi Could anyone advise me about tranferring my previous years ISA >10000 from HSBC to Natwest e-ISA which seems to be offering better rate of 3.51%. My concern is that i have only banked with HSBC for last 5 yrs and i am not sure if moving all this savings away from HSBC now will lessen my chances of getting a better…
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Natwest e-isa - delay in creating account?
I'm an existing natwest customer and i already bank online with them, today (noon ish) i applied for a e-isa to stick some money in before the deadline, the thing is that natwest say that if you are an existing online customer the account open's 'immidatly'. all seemed sorted with the application and i deposited £1 in…
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Quick Question
Sorry, all the ISA rules confuse me and just want to make sure I'm doing the right thing. I want to close my ISA account and put the money elsewhere. But, a payment for this year as already went in to that account so I'd be better to transfer the money rather than close the account? Or could I take out most of the money…
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Hsbc e-isa
Does anyone know if can transfer to the HSBC E-ISA from the HSBC CASH ISA. Or do they restrict internal transfers?
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New to Cash ISA's - a few questions.
Hi Bare with me here... I've never had an ISA before so I have nothing to transfer in - I just want to start one up! I understand (correct me if I'm wrong!) the financial year began on Monday 6th and will end on 5th April 10. What I dont understand is this - If (for example) I opened an ISA today 10 April 09, 12 months…
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hsbc isa question
hi, i bank with hsbc and have a normal cash isa - 0.30% interest. really crap i know. ive put in the max allowance this tax year and last year. i phoned up today to ask if they could make it into a cash e isa but they said no. they said i can open up a cash e isa on 6th april, but the only way i can transfer all my money…
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Halifax ISA - where to move my money?
Hi everyone I have had an ISA with Halifax since October '07, and in that time I have invested £6,000. I've been busy the last couple of months and so completely forgot the end of the tax year had passed so I didn't have a chance to look into changing over to a new provider. I see the interest rate with Halifax now says…
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Hsbc isa
I've got just over £3,600 in an instant access cash ISA with HSBC which earned 84p interest between August last year and end of March 09! I rang them yesterday to transfer the money into their fixed rate 1 year ISA paying 3.1%. They said I could do this but I would not be able to pay any money into another ISA this year. I…
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Standard life ISA
Standard life cash ISA. Does anyone have one? Is it easy to transfer into? and is it safe? Many thanks.
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annual cash ISA allowance
here's a relatively straightforward question the banks have been unable to answer (possibly i'm not making myself understood): if i opened a cash ISA in 07-08 tax year, but didn't put the full amount allowed into it during that tax year, can i top it up to the full allowance today? or would that contribution be considered…
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A+l isa
I have an easyISA with A+L, and I want to transfer it over to Halifax's fixed rate ISA. However, I can't seem to find the acount number and sort code needed to fill in the transfer form! Is there a way to convert the A+L account number into the generic sort code, count number? Or a way to find it out? Thanks MM
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2 questions about natwest e-isa
Hi I am thinking about opening one, once I can log into my account as the site seems really slow. I have two questions if anyone can help? 1. Can you open 2 cash isas in this tax year, thinking of opening the cash plus and e isa 2. with the e isa can you transfer money from your current account as there is no other access…
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Is this allowed?
Hello I have a 4 year fixed rate ISA bond that is due to mature in 3 years. I can't add to this or make withdrawals. In the meantime, I've been adding funds to my other ISA. In 2012, when the bond matures, will I be able to combine the funds from the bond with the funds from the ISA I've been adding to and put the total…
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What I should have done?
IN April 2002 I invested £2K in a Maxi stocks & Shares ISA on behalf of my 2 young nieces in the common belief that it was likely to do better than a bog standard cash ISA over the longer term. Despite a very disappointing start, by Oct 2007 this decision seemed to be being proved right with its value standing at £3306.…
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stocks and shares ISAs
Hi! Does anyone know whether it is better to avoid buying stocks and shares ISAs in this current financial clime? I wondered if it would be better to stick with the cash ISAs.
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ISA Transfers - I'm sure they're allowed but First Direct says no!
I'm pretty sure from reading the threads in this forum that you are allowed to open new accounts for the purposes of transferring previous years' ISAs, but have just been told by a telephone advisor at First Direct that it's not legal! :confused: Basically, my last two years ISA allowance has gone into a regular saver ISA…
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Lloyds Fixed rate ISA transfer form
I have a transfer form that I printed that resulted from the info I put into the "Transfer existing ISA" link on their online site. It asks for the existing ISA name, provider (from a dropdown list), their address, tick transfer full amoount or the amount if not full amount. What results on paper on the Fixed Rate ISA…
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Real ISA benefit?
I keep getting told to use mini-ISAs for short term saving though I can't see the benefit. If I understand ISAs correctly then, if I take the money out of any ISA while I am paying tax then the interest that ISA accured will be taxed at a level matching my income tax. Therefore my money would be as well to be in an…