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Alliance and Liecester 0/10 for ISA Transfers
Got talking to someone who manages ISA Transfers for the Derbyshire today, and he told me that most companies do the transfers within a couple of weeks, some upto 4, but the worst by far according to his experience is the Alliance & Liecester ! He told me a case story where he sent the docs off to perform the transfer and…
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Yorkshire BS Mini Cash ISA?
Hi all Just found out about the mini cash isa and it seems the best place to put the first 3k of my credit card sbt cash. I want an instant access internet account and according to moneysupermarket.com the best is Yorkshire BS e-isa at 5.20% Anyone know if there is better out there or any horror stories about Yorkshire BS,…
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April 2005 ISA changes confirmed
The Inland Revenue have published on their website that the amended regulations for ISAs were laid before Parliament on Tuesday. The amendments allow: - for the merging of the Stocks & Shares and Insurance components. - Insurance products to be subject to the cash like test - allow the Stakeholder cash deposit product and…
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Advice on PEPs please
I've got some PEPs with AVIVA - Barclays Stockbrokers. To be honest, I don't really understand what they are :-/. I can't even remember exactly how I got them - probably as a result of a Building Society takeover, or something. OK. So I'm a novice. Now back in June 2001, mid-market value was £4312, but by June 2002, that…
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Cash ISA - once withdrawn you CAN'T add funds?
Can someone please help me here ASAP ? I think I've really f*****d things up now I'm debt free :o :( :'( Courtesy of my EGG card and them lending me £3,400 at 0% until 1/1/2005, I put all of the £3,000 in to an "iF" Mini Cash ISA. The other £400 into an ING a/c. EGG wanted about £65 per month minimum repayment back, which…
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Lambeth building scoiety ISA
Lambeth's ISA (45days notice) seems to be offering good rate including the 6months bonus. I am not impressed by the customer service though as I requested information by email last week and so far hasnt received a response yet. Anyone use them at all? siva
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Stocks & Shares ISA vs the mortgage
Folks :- I've acquired a couple of stocks & shares ISAs and a mortgage. Half the mortgage is repayment and the other half is interest only with the expectation / hope that in 11 years time the ISAs will have enough in them to pay off the remains of the mortgage. In these days of relatively high interest rates and less than…
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Egg Investments selling on - what to do?
I have a small monthly cash ISA with Egg - only £20 a month but it is building up nicely. However, they are selling their whole investment business to another company and (if I undserstand the letter correctly) I will not be able to continue this regular monthly payment. I don't like the idea of saving and then paying a…
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Alliance and Leicester charge £25 to transfer ISA
>:( My Alliance and Leicester fixed rate ISA has just matured, and their follow- on rates are not competitive so I want to transfer to another provider. A &L will charge me £25 if I want to do this. This applies to all their ISA's. I wasn't told about this when I took out the ISA last October 2003, although they said they…
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Best ISA?
Hello Ive got 3 grand to invest and was wondering where to put it. Northern Rock do a 3-year fixed rate 5.3% which seems to be the best out there. The post office do a FTSE tracker that pays 105% of the index, but what kind of returns will this give?
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Have Inteligent Finance reduced their rate?
Logged on to my IF ISA and I noticed that for some reason I have received less interest paid into my account this month than last month. It has been increasing month on month but this month it's dropped.
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Isa to pay off part of mortgage
In MAY 2000 I needed to raise another £13,000 to top up my mortgage to buy my partner out. My financial adviser sugested a flexable mini cash isa savings plan with Legal and General. I am paying about £48.00 per month for 17 years which should make £13,000 he said?? As I have all ready got a £30,000 endowment with Friends…
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Partial ISA transfers - is this correct?
I was aware that you could transfer part of a cash ISA into another existing cash or new cash ISA with a different provider... Now I thought this only every related to 'whole years' - so that your provider maintained an accounting 'separation' between each tax year's subs [and the interest thereon] and so you could only…
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what do people think will happen to isa's next yea
what do people think will happen to isa's next year ?? do you think the government will actually impose a 1000 limit on next year's isa limits in an attempt to promote savings this year ?? do you think post election we will see base rates move and sharper taxation ?? given the current pension crisis will diminishing of…
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Self-Select ISA to Shares Only ISA ??
I have a Self-Select ISA with IDEALING.COM but want to move to ISIS where I have a traditional Shares Only ISA (they are for different tax years). Can I do this and keep my ISA status even though I am going from Self_select ISA to Shares Only ISA? Would I do this by Selling my shares and keeping the money in the…
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Tryign to work out ISAs
Hi, well im probably the 1,000th person to ask this. Ive been reading on ISAs and its well.. confusing. I have plenty of money to invest so not sure if I should be looking at mini or maxi, I can invest 7k if needed but isnt that a mix of stocks and shares not just cash? Im also really lazy so Im kinda willing to take a hit…
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northern rock 6% isa now closed :(
northern rock 6% isa now closed :( has anyone else tried to sign up to this lately i have been told it has been closed :( i had to go for the fixed 5.5% 30 day instead :(
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Dont understand diff ISAs
I currently have a mini cash ISA which is nearing its £3k limit. What are the other mini ones I can open (if any)?? Sorry, but a bit dim when it comes to ISAs, I find it all very confusing! ???
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Isa ignorance
Does an ISA continue to earn interest at the end of the year or is this asking too much? Regards Hussar
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Your Cash ISA interest rate
I was just wondering what interest rate people are getting with their tax free ISA's. Mine is 5.79%. I should note that with my ISA it is linked to the mortgage rate and will always stay 1% less. This is useful with the current rates rising because each time the BoE rise rates the Mortgage rate will always go up the…