The Halifax lost another customer today. I have been a customer since I was born. I have my current account, mortgage and credit account with them. Through my student days I had a huge overdraft which I paid over the odds for. In my early life I had a whopping personal loan which they made a few thousand out of. I maxed my credit card regularly paying huge interest charges. All the while never missing a payment.
My reward, when I am earning the most I have ever earned, and my debt is the lowest it has ever been (mortgage notwithstanding): my credit card happens to have a zero balance (for a couple of years, but I like to keep it "just in case." However, seems like I am no longer profitable enough for the Halifax, who are closing my credit card down due to "inactivity on the account." Yes, that's what you get for being a responsible borrower. Should have maxed it out and bought a new motorbike after all.
Of course, customer loyalty isn't what it has always been either. 10 minutes later and Barclay's has a new customer. And, the mortgage will move too.
Bye bye Halifax!
When it comes to money problems sometimes unexpected changes occur which can make life difficult. Sometimes this can be your own fault or someone else's fault, just like my bank - HALIFAX. My bank decided to close my account down for no valid reason what so ever without any warning! They did not give me any explanation to. I don't see how when I have been with them for a long time now and was very dependent on them as this is where my wages get paid into and where my bills get taken out off. Now because of this, it had created a massive inconvenience as I have to ring up all off the companies which take payments for my bills and tell them what has happened in addition try to find another source for my wages to get paid into otherwise I wont have any money therefore cant survive. To top it off I have a family to take care off who rely on me to bring income in. I am a law abiding citizen with no criminal records. I have no loans taken out and have weekly income therefore there is no reason to close my account. In this day and age, financial life is becoming harder and everyone depends on having bank account and you reply on the banks to help you with your financial life but for them to just take it away from you then how can you trust them. I feel very disappointed and betrayed.
I walked in the other day and the kid(!) in the branch called me "boss. I will not start on what else happened that day and the next day incase an executive would look at this review. We don't want Halifax executives and managers to lose their jobs now do we?
try and buy something online, last 3 transactions i have had stopped, the last one i rang their creditcard customer services to say i am going to buy a tv and just to inform them, they say they cant stop the automated service from blocking the transaction thinking its fraudulent, i tried to buy on the currys site which has veritas, it skipped the verify process and just blocked the transaction, quess what halifax, stick your cards where the sun dont shine, you are a sh1t bank and your methods are antiquated, you just lost a customer, shame there is no zero star option or minus stars
Never trust Halifax ! They didn't give me 3 months worth of £5 from the 'Rewards' account. I wrote 2 letters, then received an unwanted phone call. (Why do they do this-I wrote to them because I didn't want to handle this over the phone) They promised a 'goodwill gesture' I gave them 1 month but didn't receive a penny. Wrote again, no reply. Took my letters into a large branch, they said the manager would get back to me. I am still waiting, 3 weeks later. Bet they lost my letters yet again !
I am sick of this company, I never got £100 for joining them, nor any perks when I got my mortgage through them, these are only for their new customers.
So I will become a new customer with First Direct instead - £100 in my pocket and hopefully less hassle too !
I cannot rate Halifax too low, they are rude unprofessional and incompetent and I would never willingly deal with them. My son got into arrears and even though he had moved out several years before these "people" started to call me. We would get calls at all hours, some silent and these continued even after them being told each time that my son no longer lived at home. Eventually I made a formal complaint (which came with a reference number) and was promised that the calls would stop. They didn't and the next caller at 9.00pm "Angie" not only refused to accept a complaint had been made despite the reference number and declined SIX times to refer me across to her line manager before just disconnecting the call. A letter to Halifax HQ did finally stop the calls and generated a grovelling apology. Sadly (luckily!!) I am not actually a Halifax customer & could not make a complaint to the Banking Ombudsman. No problem with any bank collecting what is owed but Halifax are just plain incompetent and their call centre staff's rudeness must be known to Halifax management.
There are plenty of better banks out there and I could never recommend Halifax. Don't judge a bank by the way it behaves when things are running smoothly, rather when there are difficulties,as it is then that you can judge their true nature. Some have said they are happy with Halifax; just wait until something goes wrong and see if you still think the same!!
I have been banking with Halifax for 5 years and can't fault them, advanced online banking with almost all the payments can be accessed faster than you think, the reward scheme certainly proves to be success as you receive £5 every month, good work halifax keep it up!
Was with The Halifax when I was younger and have recently joined them again but now with them being owned by Lloyds Banking Group.
Had a few problems on opening the account On-line as I wanted to claim the Reward they had at the time of opening. I was given a PDF which I saved. The next day I rang Halifax up and then had nothing with my name on it on there systems and asked to wait till Wednesday. Phoned Wednesday still nothing with my name on it. So I went into local Branch that Wednesday and the Branch manager approached the help desk at where I was stud and he sent me to an advisor when they offered half the reward which I opened the account. Got back home and reported it on Facebook and the staff member sent what problems I had to customer relations including PDF as evidence. They gave me the difference and also game me something as good will gesture.
I have been now with The Halifax for 2 weeks and thing the service is great as they have local rate numbers and the Twitter & Facebook Team are on hand 7 days a week. Having the local rate numbers has saved me a lot of money doing my banking and good for mobiles too.
I think the Online Banking side needs improving with Halifax Though, including Mobile App.
But over all fantastic. :)
I think fear of what they can do to my account if I leave.
I've been a customer for 20 odd years and I dread having to deal with customer services, it's like being in a keystone cops film. I once was so frustrated I wrote them a letter telling them that if they persisted I would close my account, 5 days later my card was denied, it turned out they had decided that my threat was tantamount to asking for the account to be closed, this was 3 days after moving house and 4 days before getting married, cheques were bouncing, direct debits were going unpaid, my credit rating went through the floor and I ended up with multiple threats from multiple trades persons. I wrote to the board of directors at their home addresses, only one of 15 responded (the guy who started Carphone Warehouse), the others couldn't even be bothered to forweward the complaint on.
As for their website, well, it works, but in terms of technology it's about 10 years behind everyone else, they've recently implemented security that was being used by Smile and Egg in 2000. At one point they had an on-line customer services site which opened a new window linking to a different site in India, when I questioned the security of a) being passed to a different site and b) how exactly having to give your login details to 3rd parties in India via a different site was secure, they fobbed me off with the equivalent of "it just is", needless to say, this fiasco was pretty short lived. All in all avoid, I'd move myself but seeing as last time I threatened they destroyed my account and credit rating, I'm too scared to.
I have always had issues with the Halifax online system - it never works, and when you try to ring them you get transferred between 5 different departments before you get to speak to the right person! If it was a one off I wouldn't mind, but it's everytime. They should take a leaf out of Barclay's, or Santander, or even the AA Credit Card online service!
Terrible terrible service and website!
I wanted to start buying and selling my own shares but had no idea where to start! I did some research and gave Halifax Share Dealing a go. I started with their fantasy trader which was incredibly easy to use and their prices in line with the standard for a main stream bank whose name you can trust. You can get cheaper but these are often with people you don't know and there are terms attached (for example one I found was half the price to buy and sell but you could only trade at three set times a day- what goods that?!). Overall I've been really happy with the service.
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