Dizzydisy Ridgeon

I have a problem. I opened a fixed rate cash Isa in April 2024 and paid £20000. into it. I had hoped to transfer another maturing ISA into it, but didn’t realise there was a 30day window in which I needed to do this, which was then closed. I was able to transfer the matured ISA into a new account with the same provider. I now have another ISA maturing with this latter provider, who may offer a transfer to a new account with them. However this will push me over the guaranteed £85000. Mean while I have a stocks and share ISA with HL and quite a large isa cash hub. I wanted to transfer that stocks & shares cash hub into an easy access cash ISA, but needed at least £1. to open a new account which of course I don’t have because my allowance has already been spent. So HL say I will have to leave the cash hub earning nothing until next April? I have become so confused about all of this and would hope some one can properly explain all the rule? So can I open a new cash ISA that just accepts the transfers without having to open with an initial cash deposit that I am no longer allowed to do? Please help me sort this.