Lloyds fixed rate ISA

whu

matte100 wrote: »

Hi whu, myself and my partner both received the offer letter and we live together. My girlfriend has been with Lloyds for over 10 years (current a/c and savings) but I only become a customer last year with the fixed rate ISA. It seems like it is very random as no pattern is clear.

I am unsure as to whether to go for the offer, still thinking about it.

Good news for you - maybe you got it because you have different surnames - who knows!!I think the rates are quite competitive compared to what is out there at the moment (who knows what will happen come March/April) so think my wife will go for it and just forget about it for a year and avoid the hassle of transfers

cagneyfan

Hi,
I sent my form off yesterday. I'm scared to look to see if there are any better rates available now!

What did you and your wife decide Whu

cagneyfan

Well I decided that because the interest would start immediately and since I doubt there will be anything on offer with a significantly higher rate - it was probably not worth the hassle of taking out a different one which may take an age to transfer.

If I could've found one with a much higher rate than Lloyds then I may have taken the chance of it being transferred within a reasonable time - but it's done now

Gray_colt

Yeah im thinking the same thing jo, my isa matures in april tho, do you think i will be able to add to my matured amount b4 it gets fixed next finacial year?

skitskut

Gray_colt wrote: »

Yeah im thinking the same thing jo, my isa matures in april tho, do you think i will be able to add to my matured amount b4 it gets fixed next finacial year?

You can still add to it after it gets fixed.

dkmax_2

mandy-j0 wrote: »

Hi, is anybody out there going to accept the 1 year fixed cash isa with Lloyds or do you think you could get a better deal. Bearing in mind if you already have a Lloyds isa (which I do) then your interest would start straight away, whereas last year I waited over 30 days for my isa to transfer over

Waited 30 days! Don't make me laugh. I kid you not they are still sorting out my opening transfer from March last year. Just one c*ck-up after another.

cagneyfan

dkmax wrote: »

Waited 30 days! Don't make me laugh. I kid you not they are still sorting out my opening transfer from March last year. Just one c*ck-up after another.

Sorry to hear that. It's so frustrating when things like that happen. I hope it gets sorted - it's probably really simple to do as well, only you'll probably end up paying a fortune in calls trying to speak to someone with a brain!

Dawes_2

I'm in this boat too. 3% for 1 year guaranteed or do I wait and transfer to someone else for possibley 4%ish in March when the lenders compete

info_addict

Just a quickie. My wife and I have just read this thread and were prompted to ring (Freephone 0500 179050) and mention that we hadn't received the letter.

We have been told they will post out application forms today for us, to enable us to get them back for the Monday deadline.

May be worth chasing if you haven't had one.

Over £20,000 = 3.50% fixed, over £30,000 = 3.75% fixed.

Get on them phones!!

shindigger

john.xs wrote: »

it was for selected customers only!

Does that mean anyone who DIDNT kick off due to their comedy admin lag will be "selected". I only got 8 months at 6.5% last year. I had a small payment to compensate, but it didnt go in the ISA it was a seperate cheque.
Thats not the point of an ISA is it?

Personally if last year is anything to go by, i will be whipping my money out of Lloyds as soon as the FR ends.