David Edwards

Thank-you. I also phoned HMRC and a nice chap told me NOT to do anything, but wait for a letter (by the end of year) from HMRC who would tell me what to do. He warned I might shut the wrong one down. He said banks report these things annually to HMRC. Could I just transfer the money from the 2nd into the 1st and then shut the 2nd one down? They were created within an hour of each other.

Good morning. I’m afraid I’ve stupidly made an honest error! In attempting to tidy my finances up, on 16.3.23, I completed two separate bed and isa processes with two different lenders:HL and HSBC. I’m afraid I had no idea this was not permissible (and still am not sure). The total amount is approx 14K. What should I do? Thanks.