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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