Cash ISAs: The Best Currently Available List

BenG1

As someone looking for a quick, simple and easy to manage ISA I'm glad to see the Barclays Golden ISA on this list!

As a Barclays customer already, I just set mine up online when they advertised it to me and maxed it out. I will do the same in April for the year. Safe in the knowledge I can withdraw if I have to.

Is this the right option though - you always wonder, don't you!?

Baldur

BenG1 wrote: »

Is this the right option though - you always wonder, don't you!?

If it's right for you that's fine - just watch the rates after the initial bonus drops.

BenG1

Baldur wrote: »

If it's right for you that's fine - just watch the rates after the initial bonus drops.

I'll do that, thanks very much. Always nice to get a bit of peace of mind - saving is NOT my fort!!

tiptoe_mouse

wearside wrote: »

My wife never thanks me either:eek:. Not even when a Bank/Building Society phone her up to query something, and she does not have a clue what they are talking about. They must think she is deaf or something, as she repeats the questions asked and I write down the answers for her reply:D

This so makes me think of what happens with my SO when he rings the Halifax (we both have ISAs and regular savers with them, set up by me).

"Right, what am I asking them to do? What security questions are they likely to ask? What other accounts do I have with them?"

Which reminds me, we'll be going through this again soon, when he rings up to change his existing 3% ISA deal (which runs out soon) to their 2.6% offering.

tiptoe

Shelle

I have the same problem re when telephoning, but from another angle. I am deaf and so have my questions relayed by either parent. The hassle I get in trying to do this, even with signed mandates. It usually ends up them asking parent a question, parent relays it to me and then I talk into the phone the answer, and around we go again:D

And yet, the other week I needed my online password resetting, got Dad to ring up, he did everything automated with ALL of the questions that most people in my family would have been able to answer:eek:

What fun

MarkyMarkD

wearside wrote: »

My wife never thanks me either:eek:. Not even when a Bank/Building Society phone her up to query something, and she does not have a clue what they are talking about. They must think she is deaf or something, as she repeats the questions asked and I write down the answers for her reply:D

Ah, but have you ever had the bank hang up on your wife because they are concerned she is being "coached" with the answers? I certainly have.

I've been frustrated, in the past, because you could get a female colleague/friend/fellow fraudster to phone up and impersonate your wife (being coached with the correct answers) but if you phoned up yourself, they wouldn't believe that you were "Mrs MarkyMarkD".

Speculator

MarkyMarkD wrote: »

Ah, but have you ever had the bank hang up on your wife because they are concerned she is being "coached" with the answers? I certainly have.

I've been frustrated, in the past, because you could get a female colleague/friend/fellow fraudster to phone up and impersonate your wife (being coached with the correct answers) but if you phoned up yourself, they wouldn't believe that you were "Mrs MarkyMarkD".

To avoid this problem, I phone up on behalf of my wife and tell them that my wife doesn't speak much English (she's from HK) and can they go through security procedure with her then pass the phone to me. Works every time.

Just convince your wife to speak her name, DOB, address etc in a foreign accent and your problems will be over.

blueberrypie

Speculator wrote: »

To avoid this problem, I phone up on behalf of my wife and tell them that my wife doesn't speak much English (she's from HK) and can they go through security procedure with her then pass the phone to me. Works every time.

My partner goes through the security procedures (with me providing the info!) and then tells them to talk to me because I know far more about it - sometimes they'll ask to speak to him again at the end of the call to confirm instructions, but it's never been a problem.

He doesn't pay much attention to the money side of things. We'd had our mortgage for three years when he looked up from his laptop one day and said, "Erm, who's our mortgage with? It's Halifax, isn't it?"

(It wasn't, and we've never had a mortgage with Halifax!)

MarkyMarkD

LOL. My wife is a bit foreign - well, Welsh, anyway. But she doesn't sound it.

frank_maccfc

Hi there, not sure if this is the best place for this so am happy to be advised if there's a better place for it but think my issue should have some exposure. I applied for a First Direct regular saver ISA last June, all was going swimmingly until I recieved a letter dated 8th March. The letter stated that a system error had been highlighted involving their online application process for the same ISA and therefore what I thought was an ISA was no longer an ISA. I am currently travelling in Indonesia and tried to call them but the call kept dropping on Skype so I sent them some emails none of which they've responded to formally just a standard customer services response, I.e. 'the relevant dept will get back to you by x date' which they haven't yet. They have sent letters containing information that is contrary to things that have happened in my account and are continuing to take the regular amount! It's safe to say I'm furious about this and was interested to find (or not find) that anyone else has had the same issue. Has anyone else had an issue like this with any bank if not 1st direct, if so what has been the outcome? thanks