Thanks very much for you reply very informative thanks again

Regards mvb031259

Question 1 : Yes , you can transfer your Tessa only ISA to any other provider who accepts transfers in. DON'T close the account just get the new provider to arrange the transfer from Nationwide.

Q2 ; Are you sure that Halifax will not let you top up your fixed 1 yr bond ? Certainly worth a phone call - I was allowed to top up my fixed 2 year bond with Principality; even if they won't let you add new money to the fixed bond they may let you put the £1500 into another ISA product with them which is allowed under HMCE regulations. You don't have to wait for your 50th birthday; as long as you are 50 before 5th April 2010 you can top up now.

edit - there is a notice on the Halifax website

IMPORTANT - existing customers
If you are an existing fixed rate ISA Saver customer, aged 50 or above on or before 5 April 2010, then you can make a one-off extra payment into your account (only if contributed in current tax year) before 6 April 2010 to take advantage of the new ISA limit of £5,100.
Just call 08457 26 36 46 or pop into branch

When the TESSA was ended, i transfered the investment into a Nationwide TESSA only ISA. Over the years it has provideed a good rate of interest, but when i recently checked it had dropped to 0.6%. I asked if there was any way i could get a better rate, the assistant told me that i could transfer my TOISA into an ISA product as it would not be classed as new money is this right? I am fully subscribed regarding cash ISA's, holding aprox £34,000 in a Nationwide 2 yr ISA bond, and £3,600 with the Halifax, so would it be okay to transfer my TOISA into another ISA bond with the same provider? ( No new money can be paid into the 2 yr bond)..... As i previously stated i invested this years £3,600 with the Halifax into a closed 1 yr bond. As in a few weeks i will be able to invest a further £1,500 (the big 50!!) it is my understanding that as this bond is closed to new money i will be unable to invest the extra monies as i can only open one ISA per year am i correct in this assumption? Thankyou very much in anticipation for your advice

Regards mvb031259