Zopa and the existing ISA transfer.

So in both sides I've picked up a new item just above the Summary-holding section that says ... 

(The text is surrounded by a big blue box)
Your ISA transfer form will appear here soon           <More>

We’re controlling the flow of investment into this product to keep queues down and your money earning interest where it is. We’ll send you an email when the form is available (which means we’re ready for your transfer).
Thing is its not on Mrs AJU side so not clear whether it means an external ISA transfer or my transfer of Classic to ISA. I did get an email a week or so back about external ISA transfer and I clicked a few buttons to check it out and suddenly it registered my interest but thats all. I thought I told them it was a mistake but I can't find the email.

The thing is if this stuff is checked by customers who are not as clued up perhaps as some of us on here then perhaps they do not know the difference and said this was a good idea. For me unless the terminology is clearer then its open to quite some confusion I feel.

I also have another blue surrounded box thats appeared recently a bit higher up the summary screen but I think this is regarding the transfer of Classic/Access to ISA whilst maintaining SG cover. It says ...
anyone else understand this better than me!.

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Edit: Just noticed Mrs Aju has a big blue box at the top of both invest and ISA summary page...
I no longer have this big blue option so I guess they think I want to transfer my ISA - I can't until Sep next year - I think!

Isn't it funny how people have no imagination and therefore think that repeating the headline is ok though. I think its annoying that all the web based companies think its Okay to just drop changes on people without testing/vetting/explaining etc etc etc. GrrrrrrH!   

Edit ( 18th Dec 2017): Todays screen changes to some of the above makes more sense in that once you have been accepted on the ISA transfer "IN" program (I got an email a week or 2 back but most people will have the blue banner as described above) then this confusion will diminish as the confusing box above is really a precursor to the final form down load box described later (below).

So they also said they will email when its ready ( a day or so later), they did but really they just changed the ISA transfer Box to a button for the PDF application form required to effect the transfer. See below too.

This confusion, I believe, is as a result of changing software on the fly as has been happening now for a while. Apologies for wasting peoples time on some of the above and probably on the below when that changes!.

You beat me to it wyndstryke I was about to start a new thread on said same thing - this is the right place for it I feel though. I just checked my zopa account online and in both Invest and ISA there is a new option in Summary of
I would like to correct you a little whilst I reported the approach of holding the money when it arrives I got the idea from a Zopa response of an email I sent them.

One thing about this approach that I'm not certain about but it would seem that having it in Holding may mean you should turn off lending from holding. However I can only find the options as follows that deal with lend from holding.
so not too sure what you may have to do to make this happen the way they and subsequently I described. In my case I have a while before I have to decide as my current ISA does not close out until next Apr. (I could drop it early and forego some interest which to be honest I'd probably make back in 3 months on a Zopa ISA. I'm still mulling it over ;-)

Edit:1 so to try it out I've removed all uninvested (relend) money in my ISA accounts back to holding (its < £10 total at the moment) but now I'm still left with New money being lent to ISA Core and the only options I can change new money to is Core or Plus. So I'm hoping that when I take the Transferred ISA money in and I hit the "Remove uninvested money", on the product I have it transferred into, so that I can then route the money where I want.  (I'll have to make sure that the funding preference is set correctly by going into "Manage my ISA" and changing the preferences before I Move the money to product).

Its interesting that some of the current screens are not referencing ISA but they seem to go to ISA options. Dare I say it - what an unholy shambles we are expected to work with yet again. God knows what untold damage is going on to the lending algorithms ....

Edit2: Oh yeah and don't forget to turn Relend/repayments back on before all the above and make sure the correct options are working ok.. If all this works after that it will be a bloody miracle 

Edit3: The other thing to be aware of if you are transferring over old Zopa Classic/Access into ISA core  with SG protection you may not want to move any ISA money back into holding as this "to be invested money" should be be directed at SG covered loans - it better be as that's the promise. Just imagine that the money coming in from an ISA transfer in and the SG covered money gets mixed up the above methods may get very confused. I think!. Of course Zopa could have a plan to premark certain funds so this does not happen .

This has now got a bit long so sorry to anyone who is not interested in these approaches to ensuring better diversification across large sums of investment.

I seem to remember at the time it was suggested early Jan for for the SG transfer. My email says i'll get a 2 day notification. 
in fact I also dug out the original email invite from end of Nov and it stated ...
My guess is it won't start until after then and then it will probably be staggered as well.

I've already indicated how much to move across so as long as I don't have to confirm the email when it arrives it should be automatic. To be honest it probably will have a confirmation in case people have changed their mind but who knows. The front end changes very quickly at the moment so it's probably still being designed let alone already capable.

Thanks aju and wyndstryke. Marcus

From the conversation I had, holding isn't part of your ISA account, so you effectively withdraw from your ISA if you move funds into holding, but it's a flexible ISA so that's OK and you can move those funds back into your ISA. However external ISA funds have to be transferred directly into another ISA (or lose ISA status) so they can't go into holding. (As I understood a longish slightly confusing conversation). Short answer can't be done.

Hmmm!, ok will have to have a rethink perhaps, from my perspective. I might just cancel my external ISA in April and just feed it in as new funds - I don't have anymore money to feed ISA with anyway for next year.

Just checked the forms for transfer and there is a slot that says

Do you have any specific instructions for your ISA provider? (Optional)

So it will be interesting what happens if I don't direct it. Surely that justs goes to holding as I may wish to invest in different products in different amounts.

I can't see anything on the form or the info that says otherwise.

edit: I did a little more digging and as far as I can tell the holding areas are isolated hence in my ISA account it states.
So unless Zopa has messed it up surely any funds coming in as part of an external isa should be marked as such - similar to interest say. Just moving to holding from any product should not in fact change the status of given funds unless I transfer it out ( Move to Non ISA). So if I move to holding and then relend it again - all inside the ISA - then it should be ok.

It remains to be seen if Zopa has got this one covered but for me it's probably similar to a shares ISa shares can be sold and new shares bought but its all inside the ISA unless funds are transferred out. My guess is Zopa will have got this covered. (lets hope so anyway).