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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…
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ISA Info
I've just opened a new mini cash ISA and intend to transfer my existing ISA balance. If I pay in £3000 can I still open a stocks and shares ISA and pay in £4000?
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CIS ISA's
I have currenty £21000 in ISA's with the CIS and invest £300 per month, would it be advisable to change to another provider
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Mini ISA Question
I have a mini ISA with Royal and Sun Alliance which I pay £50 per month into. I recieved my recent yearly statement to find out that I had actually made a loss. Contribs inc bonus upto 2003 - £2700 Contribs during 2004 - £600 but the value is only £2545. I know ISA's are risky so I'm looking to transfer this money to some…
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ISA Transfer Question
I currently have an ISA with Smile and plan to transfer to the First Direct account. Have applied and First Direct have sent me all the forms including a transfer form. The form says the maxium I can transfer is £3000, but because of saving over a number of years, the balance of my smile account is just over 6k. I could do…
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cash isa 5 years old
i have a cash isa with northern rock and it is now 5 years old. Do need to do somethig else with it or can i continue adding £3000 to it each year. I f i do need to do something any advice welcomed louise
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My big ISA blunder what can i do?
I tryed to top up my abbey postal isa. I was going to send a cheque so i took 3k from my clydesdale account and placed it into my bank of scotland account as i have a cheque book with this bank. It wasnt untill i was home and checked my recipt that i disscovered only 2k had been put into my account for which i had stupidly…
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Share & cash ISA Q
I have a share ISA with a company and wanted to move my money from this to a cash ISA with A/L which i have just opened. I have been told by my share company that i can not move my money from a share ISA to cash ISA is this correct? I pay £150 p/m into my Share ISA and asked them is it ok to pay £100 p/m into a cash ISA…
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ISA Mortgage - early cash in Question
I have had an Flexible ISA mortgage with L&G since the year 2000 (with no penalties after 2 years). So far, over 5 years, I have paid in £135 every month, so bringing the total to £8100. I've decided I want to cash this in early to pay off some debts and switch over to a repayment mortgage. I've contacted L&G and on the…
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Can I open a mini ISA when I already have a maxi isa?
My husband and I both have Maxi ISA's with only Cash in them which have low-ish interest rates. Want to swap to a mini ISA to get a better rate. Whats the best way to do this? We have not contributed to them yet this tax year, but I'm not sure whether I can close them down or make a transfer? Any help greatly appreciated.