Do you / will you use ISAs?

As I linked to, according to HMRC this is simply against their rules. They wouldn’t consider it ā€œfairā€. Some platforms might not enforce the limit, leaving it up to you to do it correctly, but when I and most people say something like ā€œyou can’tā€, the implication is ā€œif you want to follow the rules and avoid penaltiesā€. We don’t mean it’s literally impossible.

It’s always possible to lie to HMRC, to try and cheat and use some loophole, but that’s hardly something that should be advocated here.