Virgin Exclusive 1 Year Fixed Cash ISA Issue 14 - adding funds

flaneurs_lobster

I opened and funded this account 16/08/24, my spreadsheet says it closed to funding on 27/09.

A week ago I misrouted £600 into this account rather than a VM Flexi ISA. Just noticed this and surprised that the money has been credited to the ISA rather than being bounced back.

Am I mistaken about being able to fund this ISA currently? It's an attractive 5.05% and I've got a bit of ISA allowance left for this year. Can't find anything specific in the T&Cs.

badger09

Per T&Cs, you could pay money in up to 30 days after account was withdrawn from sale. 

I don’t know when that was but assume it was several months ago as I opened V16 on 8 October. 

flaneurs_lobster

badger09 said:

Per T&Cs, you could pay money in up to 30 days after account was withdrawn from sale. 

I don’t know when that was but assume it was several months ago as I opened V16 on 8 October. 

Agreed, but my erroneous deposit has not been reversed.

I'll treat it as a "Bank error in your favour" one-off and won't risk any more funding. 

badger09

flaneurs_lobster said:

badger09 said:

Per T&Cs, you could pay money in up to 30 days after account was withdrawn from sale. 

I don’t know when that was but assume it was several months ago as I opened V16 on 8 October. 

Agreed, but my erroneous deposit has not been reversed.

I'll treat it as a "Bank error in your favour" one-off and won't risk any more funding. 

I was going to suggest just that. 

It could be that their system is not capable of identifying deposits after the cut off date. But I wouldn’t risk a “Go to gaol”😉 response