Just got off the phone to HL regarding a separate issue, but they've flagged an issue with my ISA allowances.
I have one ISA with HL which I've had for years, and one with Vanguard which I opened this year. I added 10k to both this year (topped up my HL, and opened Vanguard later on). I was under the impression this was fine as I haven't opened my HL one this year, but the guy on the phone seemed to suggest you could only top up 1 account in a year and the second ISA to be paid into (Vanguard) would have to be voided; whatever that means.
It seems this is true and I've totally got the wrong end of the stick/wordings whenever ISAs (plural) is mentioned, ie they have to be different types. So question is what does voiding mean? Just moving the amount over and paying CGT?
Annoyingly, the reason for the second account was purely to keep the two pots and their subsequent gains/losses separate in case I needed to put money back into my business; the Vanguard one is just the S&P so nothing HL don't offer.