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STOCKS AND SHARES ISA
Hi, we have been involved in a contentious probate dispute for nearly three years now, and Hargreaves Lansdowne have asked me as the executor to decide whether I want to cash in the portfolio now ( as it has been 3 years since the since the policy holder passed) or let it run, but no longer benefit from the tax free status…
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Non Payment of ISA funds since the death of a husband
Good evening all, I am seeking advice to this problem - My father in law passed away on the 26 Nov 23 who had an ISA with Virgin Money. To date this still has not been paid to my mother in law despite them having everything they need paperwork wise since Dec 23. Every time she phones them she gets told its in hand but its…
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Transfer money in and out of a S&S ISA to/from Cash ISA
I have a HL Stocks and Shares ISA with an amount held in cash earning no or very little interest. There was some confusion as I was initially told I could open a HL cash ISA and make a transfer from my S&S account in. However, this is now only possible by opening with £1 and as I have already maxed my 2024/25 £20k…
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Help to buy ISA and property over 250k
Hi, i'm a first time buyer and have a help to buy ISA. I have found a property which is 255k (over the ISA bonus as outside of London). It is a new build so the developer has offered a 5% contribution which will reduce my mortgage requirement. Can i claim the bonus from my ISA? or will I lose it?
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How Many ISAs
If I have a Help to Buy ISA with provider A and a Stocks and Shares ISA with B, with total less than £20k,if I want to have a further Cash ISA in this tax year do I have to get it from A or can I go and buy from a third provider C?
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Multiple Cash Isa Accounts
I have £42k in a fixed one year cash ISA that is soon maturing, on the 12th July, from last tax year. I also have £20k that was put into a regular 1 year fixed bond at about the same time. My plan was to open a new cash ISA with the 20k cash and transfer in the 42K from the ISA. I believed that the one year fixed bond…
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Partial ISA transfers
Hi all, I'd like to split my current ISA to 2 new providers as I'm close to 85K, so want to split. How can I find out if a new ISA will accept a partial transfer? There's no info on forums that show best ISAs and limited info on the banks' websites. When I try to phone some, the agents I chat to often have limited…
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ISA timings.
I have a cash isa that I opened in November 23. Can I open another now for 2024 while the 2023 ISA is open? Thank you.
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Universal credit and help to buy isa
Hi there, I wondered if anyone could help. I see Martin’s post on June 2022- advising the government are trying to bring in that you do not have to declare help to buy isa when claiming universal credit- And I wondered if this law came in- would I have to declare my help to buy isa account when claiming for universal…
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Invest into S&S ISA or AVC
Currently working in local government and so far have a local government pension for the last 25 years. Hate the thought of having to work until I'm 68, so looking to do something that may help to retire a few years earlier and have 2 options that I can think of. Pay into an AVC at work, or start up a stocks and shares…
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Any point in staying with Hargreaves Lansdown for my ISA? Trading212 looks cheaper
If you read Stocks & shares ISAs: find the best platform - MSE (moneysavingexpert.com), it has trading212 under "Lower fees, but less established platforms", and HL under "Higher fees, but more established platforms". Does how established a platform is really matter? You investments are ring-fenced anyway. All I want to do…
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Lost PEP
I contacted Invesco perpetual as i had managed to forget about an investment i made in 1995 of £6000. I subsequently changed address in 2001. I have spoken to them on the phone and via email. There response is always that because it more than 6 years ago they cant find it because it has been sols or transfered. I know i…
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Flexible Cash ISA question
I have subscribed £10,000 of this year's ISA allowance into a fixed rate cash ISA so I have £10,000 left to subscribe this year, If I subscribe this £10,000 into an easy access flexible ISA and withdraw some of this, can the withdrawn amount only be returned to the same ISA?
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Trading 212 cash ISA
Cash ISA's are said to be protected by the FSCS. However T&C for Cash ISA's, in clause 5, refers to Invest T&Cs. In invest T&Cs, clause 14 seems to indicate the FSCS only relates to failure by Trading 212 but not to the third part accounts. My understanding of this is as follows: In the event of IG's insolvency: Any money…
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Evraz Shares and Computershare
So apologies for my 2nd post in a day. I have a chunk of Evraz shares in my Interactive Stocks and Shares ISA Evraz have been sanctioned in the UK because of links with Russia. They do have a value in my account, but I'm unable to trade/sell/buy etc. I'm wanting to close my II account, and as they can't be sold, it looks…
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SIPP & savings
Took me too long to start a SIPP but had helpful advice here in the past which was both informative and helpful in getting over my initial issues with investing. I have 23k in HSBC's Global strategy balanced fund and am putting in 1000 pm. Im 49 and have a limited company - I have around 150k in the business at the moment…
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Transfer Cash Easy Access ISA to higher rate of interest
Is there a restriction on the amount of times I can switch/transfer provider?
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Lifetime ISA
I have been reading the MSE guide and some other websites as I want to set a lifetime ISA up. Am I right in saying they are exactly the same apart from each provider has different interest rates? They are all regulated and give you the protection up to 85k?
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Help with investment please!
Hello there, I have 70K sitting in my cash ISA, which I save up for years! I absolutely have no idea on investments and reading about this on Google just confuses me! I really need to invest for better returns. I am 44 and happy to lock my money away for five years. Can you please let me know what exactly I do to invest…
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Virgin Money Payment delays.
Hi New member here and I'm in a bit of dilemma so hope someone can point me in the right direction. My wife and I have an ISA with Virgin Money from which we both take a regular payment. Unfortunately the most recent payments (Easter Bank Holiday) have not been received by us. We have contacted them by all methods but they…
