Halifax reduced my Isa rate The bank says that the lower rate that you received was correct and the maturity letter did explain that rates can change and advised you to check the exact rates at the maturity date. It stresses that there are cooling-off rights which allow customers to cancel their maturity instructions up to 14 days after their maturity date. You did not avail yourself of this and so your £54,696 was yielding less than you had anticipated. However, the bank acknowledges it should have again highlighted your cooling-off rights when you visited your branch. Because it did not do so, it has now extended the offer to cancel the Isa penalty free should you choose to take up another Isa. It has also sent you £50 in recognition of any distress and inconvenience and £10 to cover your expenses. You now say you feel you should have read the small print more thoroughly. You have looked for another Isa among well-known providers and cannot find anything that appeals more than the one you have, so you are leaving things as they are. You say your son thinks you should do otherwise. You have, though, accepted the £60. Slow Santander It took two months for Santander to release all the funds from my cash Isas to go to a building society. I was extremely concerned about this as the largest investment was £39,000. When I wrote to Santander to complain, they did not conduct any proper investigation and sent £30, which was completely unacceptable. Wales Unusually, all three Isa numbers had been contained within one transfer form, and the requests concerning the second and third accounts were overlooked. As a result, the transfer took 39 days longer than it should have done. My involvement led to the bank agreeing to refund the £20.83 interest you lost as a result and offering to add £20 to the £30. Then, following a phone call you made to Santander, it paid a further £30. I haven't heard any more from you so I presume this outcome is satisfactory and the case is now closed.