archie
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Post by archie on May 26, 2017 8:26:28 GMT
Suppose I have a previous years cash ISA with company A. I open a new IFISA with company B and transfer in some cash from A, but do not subscribe any of this year's allowance. I then open a new IFISA with company C to take this year's allowance. If B is flexible can I withdraw cash from B and replace it before the end of the year? Yes. Edit : Still Yes with revised question. You should leave some money in the flexible ISA to avoid it being closed.
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Post by wiseclerk on May 27, 2017 7:31:17 GMT
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IFISAcava
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Post by IFISAcava on May 28, 2017 12:09:44 GMT
Lending Works 3 year interest rate down to 3.3% (5 year still 4.4%)
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Post by elephantrosie on May 30, 2017 17:58:36 GMT
Am i right that collateral is not fully authorised by FCA? It is only under interim FCA regulation??
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ilmoro
Member of DD Central
'Wondering which of the bu***rs to blame, and watching for pigs on the wing.' - Pink Floyd
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Post by ilmoro on May 30, 2017 18:20:58 GMT
Am i right that collateral is not fully authorised by FCA? It is only under interim FCA regulation?? Yes, if their name's not on the list they haven't got in. Like all platforms they are working itheir way through the authorisation process. Not sure when their application window was so cant judge whether they are slow in getting it or not
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stevio
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Post by stevio on May 30, 2017 19:57:12 GMT
Am i right that collateral is not fully authorised by FCA? It is only under interim FCA regulation?? Yes, if their name's not on the list they haven't got in. Like all platforms they are working itheir way through the authorisation process. Not sure when their application window was so cant judge whether they are slow in getting it or not Tagging collateral , they may want to update on this - its a time consuming process by the way, so can take a while - no reflection on the platform as to length of time taken
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ilmoro
Member of DD Central
'Wondering which of the bu***rs to blame, and watching for pigs on the wing.' - Pink Floyd
Posts: 11,330
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Post by ilmoro on Jun 9, 2017 10:58:00 GMT
Congratulations. Unbolted now fully authorised
New T&Cs new to be accepted
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ilmoro
Member of DD Central
'Wondering which of the bu***rs to blame, and watching for pigs on the wing.' - Pink Floyd
Posts: 11,330
Likes: 11,549
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Post by ilmoro on Jun 12, 2017 7:10:09 GMT
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littleoldlady
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Running down all platforms due to age
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Post by littleoldlady on Jun 14, 2017 20:25:31 GMT
ilmoro you have Goji as accepting transfers in, but AFAICS they don't. I am waiting for them to do so as a pile of cash is waiting. Also Abundence is offering 2% on cash until the end of July.
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littleoldlady
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Post by littleoldlady on Jun 14, 2017 20:40:28 GMT
wengyeeRelendex in order to make your ISA workable you need to do one of 3 things; 1) reduce the minimum transfer in to £1000, or 2) (better) make it flexible, or 3) (best) have 10 loans available so that £10k can be invested quickly with diversification. There is far more money rotting in near zero interest cash ISAs than current years subs. Those are the funds to go after, but you have to choose one of the above 3.
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ilmoro
Member of DD Central
'Wondering which of the bu***rs to blame, and watching for pigs on the wing.' - Pink Floyd
Posts: 11,330
Likes: 11,549
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Post by ilmoro on Jun 14, 2017 20:52:48 GMT
ilmoro you have Goji as accepting transfers in, but AFAICS they don't. I am waiting for them to do so as a pile of cash is waiting. Also Abundence is offering 2% on cash until the end of July. Need to update their website then as IFISA page and FAQ clearly state you can - assumed they had fixed it Extended it again have they, dont think I got that email.
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littleoldlady
Member of DD Central
Running down all platforms due to age
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Post by littleoldlady on Jun 14, 2017 21:06:33 GMT
ilmoro you have Goji as accepting transfers in, but AFAICS they don't. I am waiting for them to do so as a pile of cash is waiting. Need to update their website then as IFISA page and FAQ clearly state you can - assumed they had fixed it . Maybe they don't want to correct the site as they would just have to change it back again? I cannot find any way of requesting a transfer in. Anyway I have sent them an email.
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jonah
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Post by jonah on Jun 14, 2017 21:09:35 GMT
wengyeeRelendex in order to make your ISA workable you need to do one of 3 things; 1) reduce the minimum transfer in to £1000, or 2) (better) make it flexible, or 3) (best) have 10 loans available so that £10k can be invested quickly with diversification. There is far more money rotting in near zero interest cash ISAs than current years subs. Those are the funds to go after, but you have to choose one of the above 3. Or all three...
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littleoldlady
Member of DD Central
Running down all platforms due to age
Posts: 3,045
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Post by littleoldlady on Jun 15, 2017 9:24:55 GMT
ilmoro you have Goji as accepting transfers in, but AFAICS they don't. I am waiting for them to do so as a pile of cash is waiting. . Need to update their website then as IFISA page and FAQ clearly state you can - assumed they had fixed it . They replied: Thanks for getting in touch. We are in the final stages of agreeing our cheque handling process with an outsourced service provider. We expect this to be complete any time now, possibly later today or tomorrow.
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Post by wengyeeRelendex on Jun 15, 2017 13:20:21 GMT
wengyeeRelendex in order to make your ISA workable you need to do one of 3 things; 1) reduce the minimum transfer in to £1000, or 2) (better) make it flexible, or 3) (best) have 10 loans available so that £10k can be invested quickly with diversification. There is far more money rotting in near zero interest cash ISAs than current years subs. Those are the funds to go after, but you have to choose one of the above 3. Or all three... I will pass on the feedback regarding our ISA. RE point 3, we have observed that our Resale Marketplace helping with that (at time of writing I can see 7 different Loans available there.) Regards, WengYee
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