09dolphin
Member of DD Central
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Post by 09dolphin on Nov 30, 2019 8:25:58 GMT
I have an ISA account with RS for 2 separate tax years. I do have 5 and 1 year loans + rolling loans at really good rates. From the information I can see in my account they are merged. which I know is impossible. Obviously I'm missing something but I don't know exactly how to solve the problem and view my 2 accounts separately. It is definitely my intention to transfer my 2018/2019 ISA to another provider as I'm not comfortable with my level of exposure at the moment but if the rates of interest hold up I may start another ISA account with RS in the next financial year.
Can anyone tell me how to view these accounts as 2 separate accounts? I am thinking of transferring my ISAs to another provider as the new investment rates are unacceptable to me for the rate of interest and the risk. Thank you in advance for any advice or suggestions.
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ceejay
Posts: 971
Likes: 1,149
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Post by ceejay on Nov 30, 2019 8:37:47 GMT
I have an ISA account with RS for 2 separate tax years. I do have 5 and 1 year loans + rolling loans at really good rates. From the information I can see in my account they are merged. which I know is impossible. Obviously I'm missing something but I don't know exactly how to solve the problem and view my 2 accounts separately. It is definitely my intention to transfer my 2018/2019 ISA to another provider as I'm not comfortable with my level of exposure at the moment but if the rates of interest hold up I may start another ISA account with RS in the next financial year. Can anyone tell me how to view these accounts as 2 separate accounts? I am thinking of transferring my ISAs to another provider as the new investment rates are unacceptable to me for the rate of interest and the risk. Thank you in advance for any advice or suggestions. Not sure why you think it's impossible - every ISA account I have (S&S, P2P and Cash) appears as a single account for all tax years. Behind the scenes the ISA provider should know what CURRENT YEAR subscriptions you've made, as these are treated differently, but everything else is just merged into one. So, when you say two years - do you mean Current Year and an earlier year?
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Post by ianj99 on Dec 4, 2019 17:40:33 GMT
As above - I think you would need to find a provider that accepts a partial transfer from your existing ISA Account and you may only be able to transfer money from your holding account, so will have to release loans into that account
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