I tried to transfer money in two cash Isas from NatWest to Northern Rock. NatWest closed both accounts and sent the balance, £116 from one Isa and £5,288 from the other. Northern Rock received only the larger transfer but, because of problems with the NatWest paperwork, it returned the cheque on 5 March. Since then none of the money has been credited back to me. The fourth time I phoned NatWest someone said "it seems the money has just vanished". VC, London
Moving Isas from one bank to another is a common enough transaction and money should never go missing but at least NatWest has now found yours. It reckons the money took a long time to arrive from Northern Rock because, at that time, NatWest was closing its Liverpool office and redirecting post to the Chatham centre.
It is paying you £14 interest from 8 March, when Northern Rock confirmed it had returned the cheque, until 23 April, when the money finally arrived in your account, and amended your Isa subscription so this stays in last year's allocation. It has also sent you £75 to apologise for the delays.
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