ISAs

[lottie63]

So if I try to transfer some money from my current bank a/c into this last year's ISA, would it still go in even if I'd gone over the maximum amout you can have. And - if so - what happens about me paying tax on the taxable amount that's gone over?

You have a new allowance each tax year, so if you haven't paid anything in since April 2012 you can pay into it now (either the same ISA or a new one) and it will be tax free. If you have paid in the full allowance since April 2012 you can't pay any more in until the start of the 2013/14 tax year.