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Natwest ISA Transfer, Current Acc Required???
I popped into Natwest to pick up ISA Transfer forms for their new 6.67% rate. The lady who found me the forms asked if I had a current account with Natwest. I said no and I didn't want one, I was only interested in transferring my cash ISA but she insisted a current account was required to have the ISA and attached her…
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BBA's ISA transfer 'guidelines' - what status?
Announcement: http://www.bba.org.uk/bba/jsp/polopoly.jsp?d=145&a=14458 See Moneybox transcript 30/08/08 Golden interview by Paul Lewis: Question. From the announcement and the interview the status of these 'guidelines' should be current (not pending) and so any transfers since 27 August should be able to appeal to these…
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Transferring ISA's then opening another one
Hi guys, hope you can help. I have transferred two years worth of previous ISA's to Alliance and Leicester (which opened originally this financial year and then transferred in the balance). I have two questions, 1) Can I open a new ISA for this financial year to use my tax free allowance. Either open a seperate ISA or…
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Brad+Bing wont let me transfer my ISA!
To transfer an ISA which i plan to do as i'm only getting a poor 4% interest with B+B you need to provide an 8 digit account number, sounds simple enough i thought...until i looked at my ISA easy saver with bradford and bingley! It has a 12 character (so there's letters mixed in it too! in this format where x is a letter…
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Investment ISA move
Can this ISA be moved? If so does anyone have a recommendation as to where would be best? background I have Enduring Power of Attorney over my Fathers financial affairs and up until June this year all of his funds were held in a portfolio (mostly stocks and shares) managed by Barclays Wealth. In June I decided that it was…
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YBS Interest calculation
my anniversary ISA interest looked wrong - having asked YBS to check their calculation they have just apologised for getting it wrong by £20. worth checking if you have this account
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Sterling ISA Managers Limited - Potected?
Hi, this maybe a stupid question - so I apologise in advance. I have an stocks and shares ISA with Sterling ; do they attract any financial protection from the FSA or similar? Obviously Ive seen all the advice re savings accounts at £35k, just wondered if there was a similar scheme for this type of product. Many thanks in…
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Transfer an ISA if haven't deposited this year?
Hello, I have been reading a few forum posts about transferring ISAs but not quite sure if I have understood it correctly. I currently have an ISA that I haven't put any money into this tax year (or any other ISA) so have the full £3,600 allowance remaining. If I decide to transfer it into a NatWest ISA will the allowance…
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Cautious manged funds
Hi folks I am feeling really uncomfortable with the cautious managed fund I set up with the halifax 3yrs ago, my wife an I have invested over 31k in class c shares ie uk growth, uk equity, corporate bonds, international growth and cautious manged and have never made a penny, at present our plan is only worth just over 28K…
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HBOS Fixed Rate ISA's
When & if, the LTSB takeover of HBOS happens, what will happen to the HBOS products i signed up? i.e I have a couple of 4 year fixed ISAs @ 6.2% & a Guaranteed Fixed Bond 6.5% fixed for a year. Do LTSB have to honour these products? :confused:
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CASH ISA >£35K -what should I do ?
I have a cash ISA which has built up over the years to in excess of £35K. I am a high rate tax payer (and also have cash in high rate savings accounts) I like that fact the the ISAs are 'tax free' savings, however how can I ? a) still gain interest tax free saving and b) protect my money which is above the £35K 'protected'…
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Transfer out from Icesave ISA
Hi, I am going to transfer my ISA from Icesave to Natwest, just fillng in the transfer form but I am stuck on the account number and sort code. My Icesave account has a 13 alphanumeric account number but Im guessing there must be another one somewhere, and they must also have a sort code. Has anyone else had similar…
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ISA help! Diminishing fast!
Hi all. Would really appreciate your advice here as I am on shaky ground when it comes to ISAs! I have a stocks and shares ISA with F&C Investments which has been dropping steadily - I've just had my annual statement which shows it has decreased again. I originally had around £2,700 in it and now it's down to £2,091 and…
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Manchester BS - fixed rate Cash ISA - 1Y @ 6.5%
Have noticed that Manchester BS are doing a fixed rate for 1 year ISA at 6.5%. They do allow transfers in (call 0161 923 8065 for forms - these aren't on website and will be posted out to you). Does anyone have experience using this Building Society? Any feedback? Looking at Martin's table they aren't linked to anyone else…
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Nationwide - 1 year fixed rate ISA bond
I tried to transfer my 1 year fixed rate ISA bond from Nationwide to Natwest but the staff member from Nationwide told me on the phone that I needed to give 90 days notice or loss 90 days interest. I thought it was still worth transferring my ISA to Natwest with higher interest rate. When I went to my local nationwide…
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Maturing cash ISA
Hello, I'd appreciate some advice! I have a cash ISA that matures in November. When this happens I'd like to take some of the balance to pay off mortgage but will have approx £1000 left. Am I able to withdraw some cash and transfer the other £1000 to an ISA with the post office who seem to have a good rate at the mo? How…
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Discharged bankrupt, why can't I get an ISA?
I was discharged from bankruptcy 2.5 years ago, I now find I have some spare cash each month that I would like to pay into an ISA. Why have I been refused an ISA account due to my bad credit history? Surely it's a good thing that I'm trying to save some money now! Could somebody please explain why it is necessary to credit…
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Transfer of ISA
Hi, I've had an ISA with NS&I for a number of years now and stop contributing to it last tax year. Since then (this year) I have been contributing to a Maxi Stocks & Share ISA with Hargreaves Lansdown. I would like to transfer the NS&I ISA to another Cash ISA to take benefit of better rates. Can I do this now or would I…
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Vince meets his match at last?
I speak of the Great Vincent of Cable - the mighty Bean slayer - who has written on behalf of a constituent to Angelica Night of Darkness of the BBA-world conspiracy: http://www.bba.org.uk/bba/jsp/polopoly.jsp?d=145&a=14216 (Now do you think that he got a proper answer or just a 'fob-off'?) I've been writing to my own MP…
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'Multiple' ISAs & allowances
I'm a bit confused with ISAs- I'm aware that you can open a new cash ISA each tax year, but can you keep depositing money in more than one cash ISA, even if the overall amount across ALL your ISAs is more than £3600 in any tax year? or, do you have to stop depositing in your 'old' ISAs if you begin depositing in a new ISA?…