Trying to streamline the way I do my accounts and have just downloaded my statements to MS Excel 2002 using the .csv format. The problem is that there is no entry on the 'Description' column. It's blank. I have the following columns ... Transaction Date/Transaction Type/Sort Code/Account Number/Transaction Description/Debit Amount/Credit Amount/Balance ... all OK except for a blank in the 'Transaction Description' column. I'm with HBOS and they also offer to download the statement to Quicken 98/2000 or Money using the .qif (file extension) format. Not sure if the entries in the description column would then magically appear. Has anyone else had this problem?

You'd think they'd be grateful for our business. Not a bit of it. It's really strange that they are so woeful. I spoke to a lady who sounded as if she was a cleaner fielding calls out of hours. The phone line must have been a VDphone cheapo in/out tube echo effect payg - a chinatel toy karaoke machine speaker ran it close. Still I persevered - too British I guess. What a relief though, to get through the 15 minutes of security interrogation (good job I had my hat and collar size to hand) after all my £4.53 was at serious risk for a mo'. She then told me I was in the wrong section and I could ring a premium rate number (I know that old trick but hey I'm not green you know - got her to transfer me) - waited and waited and you are ahead of me on this - you get the idea - anyway 9 minutes later a dialling sound burred away and yes I waited and .... I was at the point of self harming when another cleaner err sorry customer services lady spoke. Hooray a proper Skype signal (sounds poor but much better than the VDphone line) I wanted to set up some direct debits as they had just written to me to say if I didn't they would withdraw - here's the punchline the 'reward' bank account. I'm paying in £1000 per month and its not good 'enuff' - they want a little bit Xtra. I asked her to do this but no, she was too busy probably the bullion needed buffing) go into the branch. And they tell us to stop bashing the banks. Criminal.

memorable information? what a joke. impossible to remember unless you write it down. they security is just over the top and unnecessary - developed by lazy people who can't come up with a better designed interface. i also have 2 accounts in the usa with chase and citibank - both which have excellent websites and online services.

i have 2 accounts both can be used checked online i have 50.00 overdraft on both however one never shows the correct ballance one is correct wil say balcance 10.00 avaialable balance 60.00 the other always included the overdraft in the balance not available balance so is misleading for example it will say balance 60.00 available balance 60.00 when in actuall fact my balance is 10.00 any one else having this ?

Firstly, I don't have any serious objections with regard to Halifax Bank and have been a loyal customer for over 10 years. However, the security Division within the Bank is over zealous (especially this Christmas) and quite frankly don't seem to look for obvious patterns in peoples spending. I've had to call them a couple of times and it's costing me my time and money! I was refused a Credit Card by them, even though I've never been overdrawn and my credit history is average to good - Cheers for that! Also last time I phoned customer service, the girl on the other end (and I understand the calls are monitored for training purposes ... that old chestnut)felt it necessary to "tut" as I was obviously inconveniencing her! Very charming indeed. First Direct bank have an excellent approach to customers and I think a few banks could benefit from some training with them to improve customer liaison.

I would say the bank is good.great customer service when they actually answer the phone. They are quite intense with security which is a good thing but at the same time frustrating when I have my card blocked or payments refused because they believe it could be fraud. That means I have to phone them (chargeable number) and wait some time to prove I am me and I want to use MY money ! I am currently on the phone to the fraud department to ask then to unblock my card so I can buy my item in eBay.according to my phone I've been waiting 38min! They could improve by actually phoning me before blocking my card or rejecting payments that's i have made. I'll be making a proper complaint to my bank and request to have a refund of my phone bill.if they refuse to then I will be cancelling my accounts with them. 40 min on the phone now.complete joke!

Anyone who has business accounts and personal bank accounts with the Bank of Scotland should be very wary. Following the takeover by Lloyds Bank if you go on to their call centres with a problem with your business account they will ask you security questions relating to you personal accounts. In my view this is not acceptable, but if you refuse to divulge this info they will refuse to deal with you. I phoned up because the new Smart card system meant I could not get into either of my online business accounts. I told the three people I spoke to that the cards that I had just been sent were saying they were expired when I tried to log on. Worringly none of them seemed to grasp the concept that they had sent out cards that did not work. It took a couple of times to explain this to them which makes me worry about the intelligence of some of these people. When I refused to give details about my personal account for a query about my business accounts I was told they could not deal with me. And when I then said that their system was incompetent I had the phone put down on me. So I got no help from the bank officials I spoke to and am left with business accounts I cannot access online. I am walking away from this train wreck of a bank and I advise you to do so as well.

International payment made from Halifax online. I ok'd the 10pound fee. However i got charged another fee by an "intermediatary bank", which they did not tell me about. They said it was in their fine print. When I asked for a copy of the fine print, they said they could not make it available, as I had agreed to it online. They also said they never know what the fees are going to be that the intermediatary bank charges. What a sham. I dont mind paying fees when I know about them and agree to them up front. This is underhanded. They dont even have an email address to write a complaint to. This is 2012, what business does not have an email address??? Faceless greedy corporations.

Their online banking system for credit card users is a total joke. You can only pay your bill using the online service if you have a halifax account. Something that wasn't told to me on the phone when I called to initially get my card set up. Compared to the likes of the Barclay card website which is an absolute treat, this website is like going back in time 10 years. You can't even set up your direct debits online. I've used Gym websites which can do that, so why can't the Halifax online system? Very disappointed with their website. I'm almost tempted to incur the balance transfer charge of moving my cash back to Barclaycard because at least their website is user friendly and doesn't purposely try to make it difficult for you to pay, so you end up missing a payment. The halifax online banking system is nigh on malicious.

over the past 6 weeks since i've open a new ac with halifax so all my savings are with the same bank i've had to call them 8 separate times because my card has been blocked, stood in front of a cash point after you enter the correct pin with a lengthy line looking at you when they decline you is not good. Even tho you haven't reached your limit by far and you have funds there available. their excuse was 'well you used your card for an internet purchase this morning twice and now your taking cash out, so fraud prevention had placed a block on" ! so everytime i wanna do a bit of shopping i have to explain myself to these people. get a grip its my money i expect access 24/7 without lengthy phone calls every 2 minutes, i put the correct pin in and i have funds that should be it. Now to top off my day my internet banking wont let me transfer my money between my ac's without having to phone someone. Again its my money getting transferred to me between halifax ac's really would like to know what the problem is with this bank

Trying to change your address is like trying to change the tides. First they give you the news that you have to post in a printed out form. You cannot do it online due to security (even though you have passed their security). Then there's no option for your account type. It's loan, mortgage or current account. Credit card customers obviously don't exist. When I tried an option anyway and tried to enter my card number, I ran out of space to type it. When I instead selected post a form to an address, it said "a form has been posted to your current address, please check this address is correct." Really? Oh and it takes 30 working days to make this change. Not fit for purpose.

The Halifax banking service through online banking have been taking unauthorised direct debits from my account. I have a payment going out each month for a loan. Its never been in arrears but since 8th June they have taken 3!! payments. I have phoned every day for 11 days and had two indemnity claims made but they have only returned 1 payment and are using my overdraft for which they charge £1 a day. They admit they are in the wrong saying they are putting in a new computer system and my money will be returned by close of business . They say that every day but it never happens . and it take more than 20 mins waiting to even speak to them Terrible service I am closing my accounts as soon as this is resolved -- if ever !!

Surprised to read so many bad reviews. Always found the service easy to use and never known it to be offline (unlike barclays). Any transactions ive done on there have been easy to set up and have gone through without any problems