This Is Getting Complicated...........

[Jeza]

I live in a small town and I can't get out much, when I do it is a race round the shops to get home asap.

My problem is, I have an investment that matures in a couple of weeks. It is an ISA account so to keep it as an isa I need to open a new isa account. Problem is all the websites I've looked at say...apply in branch. May I add there is nothing untoward in this. I invested a sum of money 5 years ago. Has anyone any ideas on where to go online?

[Tilly2]

Does your small town have a bank, jeza?

[Zacs-Master]

Who is the ISA with?

[Jeza]

Yes Tilly, Yorkshire who I bank with and the Halifax who I avoid after robbing me 30 odd years ago.

[Jeza]

Zac, legal and general.

[237SJ]

Have a look at the terms and conditions here http://www.thisismoney.co.uk/money/saving/article-1583864/Best-savings-rates-Isas-Cash-Isa-accounts-fixed-rate-Isas.html

[vetuste_ennemi]

It won't cease to be an ISA, Jeza. If you've got a fixed rate interest rate at end of term they'll move it into "their standard rate" ISA, i.e. 0.1% or something equally insulting. The *ankers try to dissuade you from getting anything but the worst rate by making it impossible to get higher-rate ISAs on-line and force you to hike into a local branch. Try ringing them.

[Tilly2]

Or get it transferred to a local bank at a new higher rate, fixed term.

[TonyV]

Jeza - now financial advisers at banks / building societies have to have face to face interview with you and you will need to sign some paperwork

[Jeza]

Maybe I should have been more clear. I had an ISA with Bradford and Bingley. When they went belly up legal and general offered me a good deal. It now matures in a couple of weeks. I want an online ISA deal but everything I've looked at says apply in branch.

[237SJ]

The best ISA rates are operated online. The branch has nothing to do with it. Have a look at the link I posted as that gives the details that you need.

[Jeza]

Thanks 237 Skipton looks a good bet. What do you think?

[TonyV]

Jeza - do you want to lock your money away for several years, or do you need access to it?

[Jeza]

I don't need access it's already been locked for 5 years. To be honest I'm wondering why I'm bothering. It will still be there long after I'm gone.

[Old_Geezer]

Maybe so, but you can always leave it to me in your will !