Halifax Reviews

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Halifax
★☆☆☆☆
1.3
10.0% of users recommend this
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Latest Reviews

“Not friendly Bank”

★☆☆☆☆

written by fuHoover68 on 08/07/2023

Worst one even you Bank with them, got offered low mortgage but whom I never Banked with they offered high mortgage and secured. Declined my loan application twice now I am soon leaving Halifax.

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“Terrible Customer Service ”

★☆☆☆☆

written by on 29/10/2022

I have been banking with Halifax Bank since 2018 but they blocked my current account because they thought l am using someone else’s identity. I found time to go to their branch bank to inquiry from the customer service and to get the issue to resolve. After they contacted their head office by l was required to sign my signature three times which l did. They later came to conclusion that my signatures don’t much and block my account for four good years and retained my debit card when l tried to withdraw my funds. Currently l have gone to close my current account, gotten my refund without interest and switched to another bank. I believe Halifax Bank is very suspicious about everyone even their customers and all their banking staff. It been a bad experience for me but never the less l am free now and move on with my life. Please beware so you don’t fall into the same situation.

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“Worst bank EVER! ”

★☆☆☆☆

written by Parksig32 on 18/09/2022

Halifax have to be the WORST bank EVER! I've been banking with them since 2007 and have always used my bank account to pay bills etc... Earlier on this year somebody committed fraud using my name with Barclays Bank. I only found out because there was a CIFAS marker on my record. Halifax shut down my bank accounts and treated me like I was a criminal everytime I rang them to try and get access to my money. Barclays bank who I've never even banked with sorted out the CIFAS marker and did a thorough investigation and found that my name was used to commit fraud without my knowledge. Barclays even paid me compensation. Halifax caused me sleepless nights, a lot of stress and treated me like absolute rubbish! I would NEVER recommend that anybody bank with them! I've tried to complain, but they just ignore me. Halifax bank are absolutely disgusting! DON'T bank with them!

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“So Angry”

★☆☆☆☆

written by Rom1 on 06/09/2022

SO Angry - worst customer service ever, misleading information causing distress by telling me my account been used then another member of staff says its not,2nd occasion call answered advisor stayed silent hopping I would end the call staff utter oh my God on phone then blind transfer, complaint raised there idea of resolution is £20 credit same thing few weeks later, absolutely disgusting service, fuming after 20 years of being with Halifax will be moving to a bank that values its customers, So Angry !

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“Basically an Immoral Company”

★☆☆☆☆

written by cjonesy85 on 25/07/2022

I had the most horrific experience with Halifax, and will never use them again. We moved our mortgage to them. As a result of their incompetence and errors on their part it took far too long to move the mortgage. Halifax admitted their errors, and agreed that it "should never have happened" but they were absolutely resolute at not recompensing us for our losses and were incredibly rude on the phone. Months later, the ombudsmen has agreed with us 100% and ordered Halifax to pay us compensation. A simple calculation and one which Halifax should have offered to do from the get go. Really disappointing that we had to take them to third party arbitration; and the fact that we won shows that we had a valid case, that should have been dealt with directly by Halifax. They were awful on the phone, awful at moving the mortgage and I'll never use any of their services from this point onwards.

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“All a bunch of Brain Dead Zombies”

★☆☆☆☆

written by ajWest11 on 19/07/2022

It's a pity you can't give less than 1star. The only star Halifax has is "MON STAR" Bank to try to deal with. Have been trying ALL DAY YESTERDAY to sort problem out. Phoned them on atleast 5 occasions & constantly using the webchat via Internet banking. They are absolute Zombies. Keep sending me FATCA form to fill out. This is only for Americans who have bank accounts outside the US. No idea WHERE THESE Smack Heads got the info on my accounts that I'm a Yank. Even though to open accounts in UK you have to provide proof of name & address & citizenship with either utility bill, drivers licence, passport, birth certificate, national insurance number, they still have somewhere me down as a Yank, not Brit. They are brain dead zombies who won't listen to you when it's them who have mucked up account info.

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“Incompetence off the scale”

★☆☆☆☆

written by Sandyboy666 on 19/06/2022

Having had a current account and several others with Halifax for years, I tried to transfer the maximum daily amount for phone banking to my savings account at Atom bank but was refused. Here's what has happened four days in a row, because I need to send more every day to reach the total I want in the savings account. Spend HOURS on the phone going through MULTIPLE security checks because when I'm passed to the next person they insist on REPEATING them. Also cut off a few times. Eventually I get to someone capable of authorising the payment and am told this WON'T happen again as they now have everything sorted. Next day EXACTLY the same thing happens and it takes HOURS and I'm assured it is DEFINITELY fixed. The guy who does the transfer gives me £40 compensation and notes on my account that I am in poor health and this must NOT happen again. On day three same AGAIN. A guy says it is definitely fixed and that the block HAD been taken off my account the previous times but his boss says the reason it still happened was a well known problem with Atom bank because they don't have clearance for transfers. An online bank that ONLY does online business doesn't have clearance for online transactions? I doubt it. I'm told it's fixed now. Day four. Try to use automated system and payment is declined. I have 5 more days of this nightmare as I only have a window of a week total to put money in my fixed rate saver. This is beyond belief. I have now spent about 6 hours total at least in order to make simple payments. I TOTALLY understand fraud checks - but nobody should have to go through them over and over every time someone passes you to a colleague at the SAME bank, and nor ought it happen EVERY damn time like groundhog day. And they shouldn't lie and say the problem is sorted over and over again. Incidentally, nobody queried it when my life savings landed in my current account from NatWest (getting THEM to close my account took a month of denials, another horror story) even though my current account normally only has a few hundred in it. They only seem to object when you want to take your funds out. I would change but at this point all major banks appear to be dreadful. But Halifax have really reached a new low in customer torture.

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“Over 2 hours waiting in a queue ”

★☆☆☆☆

written by Kendal300 on 10/05/2022

Was having problems with my card and needed try and sort it out. Unbelievable amount of time you are in a, queue, they can't be that busy

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Sandyboy666's Comment

Written on: 20/06/2022

I empathise as I've spent 7 hours trying to send cash over the last few days.

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Sandyboy666's Comment

Written on: 20/06/2022

I empathise as I've spent 7 hours trying to send cash over the last few days.

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Sandyboy666's Comment

Written on: 20/06/2022

I empathise as I've spent 7 hours trying to send cash over the last few days.

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“Zero star review. It's been a little over three years...”

★☆☆☆☆

written by on 01/04/2022

Zero star review. It's been a little over three years since I had money stolen and Halifax couldn't care at all. I've tried many times to contact them in connection with this but am repeatedly ignored; letters, emails and phone call enquires all go unanswered. It's little wonder fraud is so prevalent as Halifax don't investigate and aren't bothered. Why do you not care and why do you not want to stamp out fraud?

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“Halifax bank takes your Lindy from you account with...”

★☆☆☆☆

written by Badshah007 on 31/03/2022

Halifax bank takes your Lindy from you account with out prior communication or consent. Then sends out a statement showing 0 balance with money out reason Credit Decisioning. This is how institutions that your supposed to trust take from you. DONT trust them with you money or finances. Take out you money. Close you account before it’s too late. We are living in strange times. Even institutions are hungry. So they take from their own customers.

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“Organisation who doesn’t help families in desperate...”

★☆☆☆☆

written by rebecca_driver on 08/02/2022

I am writing this review whilst simultaneously taking steps to remove all links we have with Halifax and with the wider Lloyds Banking Group as a whole. We recently discovered that we are in desperate need of a new roof and require other necessary home improvement measures. We turned to Halifax, our current lender for additional borrowing. Since taking out our mortgage in the first place our financial situation has improved SIGNIFICANTLY. Excellent credit scores (999 and 960 on Experian), increased family income, very healthy equity on our property, no crazy credit agreements. Nothing has changed with our financial situation other than it has improved. However, computer says no. When we asked for the reasons why, we were told, in a nutshell, that they don’t have to give us any reasons. To us, this basically says their customer service is non-existent. They know the reason(s) but refuse to divulge. We again complained saying we need to know the reasons so we can make informed decisions about our options (whether to jump ship or wait it out). But they literally won’t share ANY information which means we are at their mercy. We need the additional borrowing so we are now looking at remortgaging options but because of this, we will face a hefty early redemption fee. We have absolutely no idea if this route is even necessary but without any information or advice this is the only route we can possible take in order to ensure our two children have a secure roof over their heads. Even after the refusal there was no further offer of advice or direction. I’m not sure why they say they are the people’s bank, it’s a load of absolute rubbish. They didn’t help our family in the slightest. We will never do business with Halifax or Lloyds ever again.

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“Disrespectful and arrogant”

★☆☆☆☆

written by IzabellaOrr252 on 26/01/2022

My elderly mother had a substantial investment with Halifax. She needed the money back to pay her care home fees. Halifax treated her as if it was their money and were downright obstructive, patronising, rude and arrogant. They had no concept that a disabled lady in her late 80s could not just pop into a branch in the middle of a pandemic with a driving licence and a passport. They need to train some of their staff to use their initiative and get some concept of the realities of life for the elderly.

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Chezza7's Comment

Written on: 31/03/2022

My experience is similar, I'm 70 and tried to take some of my own money out, and had my time wasted when they called the police, saying they thought it was a scam and they were protecting me. I'm now very worried about getting my own money.
The bank was locked when I got there, although it was lunchtime & should be busy. When they finally unlocked the door, there was only 1 person in there. Had they false imprisoned him too, I wonder? I may have saved him, unfortunately nobody else came in the bank to save me from those monstrous females. I now worry about my own safety in that bank

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Capex53's Comment

Written on: 03/05/2022

I am an old man and I am hard of hearing and they accused me of abuse when I spellled out my name for them when they were supposed to be dealing with my mum of nearly 90 and ignored her phoning the police as I am a scary old man. This bank does not deserve to be in business.

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Capex53's Comment

Written on: 03/05/2022

The same has happened to my mum and the staff at the local branch are rude and incompetent. My mum has been in 5 times and every time gets nowhere. It has taken well over 2 years to get them to change her address and she has no passport or driving licence.

They asked for a bank statement and when she provided one told her it was the wrong sort of statement. I am a chartered accountant with a masters in finance and also an NVQ assessor so these bank staff would not show evidence of competency.

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“THIS IS A ZERO STAR REVIEW”

★☆☆☆☆

written by sexpistoljohnny on 23/01/2022

THIS IS A ZERO STAR REVIEW: I've been with the Halifax since 1984 and over the last few years they've treated me like a piece of garbage. I cannot log into my account online due to the 'third as I call it password' that is needed. Halifax's automated phone calls my cell phone but every time it calls it goes into my voicemail and the phone does not ring so therefore I cannot put their four digit code in. have complained to a lady and basically this bank has just tossed me aside and are completely and utterly unwilling to help. Therefore I cannot login. I disgusting way to run a banking institution A complaint has been filed with the Ombudsman.

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Chezza7's Response to sexpistoljohnny's Review

Written on: 31/03/2022

Good, I now fear for my personal safety in their Margate branch. I talked about why in the article above about their arragance and treatment of the elderly

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“AVOID AT ALL COSTS”

★☆☆☆☆

written by Ford95 on 18/01/2022

Halifax taking no responsibility for their extremely misleading online fraud guarantee. The guarantee states “ If you do everything you can to keep your details and devices safe but another person uses your account without your knowledge or approval, we’ll refund any money you may lose” THIS IS NOT TRUE. they refused to pay back the amount taken from me (after it took three days to be able to get hold of them) Following a complaint they did then agree to pay the amount back. Had I known how hard it would be to get hold of them and then get my money back I would never of taken a card with them. I believed what they had written and took my card out on this basis of the guarantee (what I thought was) an informed decision. Halifax unwilling to compensate me for the misleading information they have written on their website. Will update with financial ombudsman decision in due course.

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“Wait Time errrmm?? ”

★☆☆☆☆

written by JaidenBain on 02/10/2021

I have called customer service 3 times this week each time being told the WAIT TIME is 40 minutes to speak to customer service.. If they worked for me id make them redundant because its pointless having them.. What a waste of time and money.. Its a pity because Halifax used to be a brilliant customer service dept.. Its sadly gone..

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“lost money transfer”

★☆☆☆☆

written by coggs on 06/09/2021

the halifax were asked to transfer a sum of money between halifax account this money went astray the hasel and upset caused by the lack of help onlt Freyer tried to help this bank needs to look at it's customer service and efficiency

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“What has happened at Halifax Bank, service is now very...”

★☆☆☆☆

written by SueW22 on 01/09/2021

I have been banking with the Halifax for over 25 years and I have always been pleased with every aspect of the service but recently their standards have dropped dramatically. Almost all of the branches near me have closed and at the same time they appear to have hardly anyone answering the phones. Think it’s time to switch banks.

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“Terrible at getting through to fraud dept. to make...”

★☆☆☆☆

written by on 12/02/2021

I set up a new beneficiary & was trying to make a payment. The bank refused to let me make the payment & I had to ring them. I was on hold for 1 hour & 15 minutes. Not good enough... Terrible service. Employ more staff & pick up the phone to answer genuine customers. I am very unhappy with being put on hold for over 1 hour. AWFUL. Waste of my time when I'm away. I will think about leaving this bank now. Don't bank with this rubbish bank. Now I am blocked from using my on-line bank. Absolutely atrocious.

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“beware halifax savings”

★☆☆☆☆

written by summer259 on 02/02/2021

under the care of Halifax banking we lost our entire life savings in one day, we have been with them for over 40 years and didn't realise how bad the bank was because our savings was [ we thought]safely in a secure place; when we got to know we had lost 50 thousand pound we tried to contact the Halifax by phone as this was the only option we had it took hours and was sent to other departments that showed no interest, the outcome of all this has paid a terrible toll on our 50+ years of married life and we have been trying everyday to get them to act as a responsible bank with no success so we are taking our case to the financial ombudsman in the hope that we can get justice from them, we had money taken from a Barclays account which was repaid in full + money for the inconvenience, that is the difference we didn't know before but will never forget and I want others to know just how unsafe your money is with the Halifax bank and don't trust them with anything especially money they are unthinkably laps in anything relating to our transactions with them and as soon as we are sorted with them we are leaving but we have completely lost faith in all banking after that ordeal BE AWARE OF THE HALIFAX SAVINGS BANK

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Zig88Zag's Response to summer259's Review

Written on: 28/12/2021

I had a similar problem with money being taken from my account and being put in to another Halifax account they blamed me for the loss as I used a bogus Halifax web site on my laptop I tried to contact them by phone POINTLESS. Then found it quicker to take a 20 minute journey to report the loss, After reporting the loss they refused to refund me as they blamed me in full for being hoaxed with their old web site and releasing the money. I found out later they did not mention they opened a Halifax account for the person to put my money in to before he took it from me he then withdrew it. If they had not opened an account for the person the money could not have been taken from me in the first place. Get a little xtra help.

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“AVOID!!! AS YOUR MONEY IS NOT PROTECTED THERE!!!”

★☆☆☆☆

written by galinabag on 30/01/2021

I have been with halifax for over 9 years, on the 24 and 25th of december lots of money was fraudulently withdrawn from my account when i was enjoying my time with my family on christmas day. Called them immediately and they refused to refund me without even looking into my account. Bunch of useless incompetent staff who couldnt even answer my questions. Applied to complaints department, action fraud and financial ombudsman to recover my hard earned money.   a so called "manager" an absolute joke, i think it would have been more helpful to speak to virtual assistant than him, as all he kept saying "i am satisfied with the decision made". When i asked him on what grounds he refused to reply. Another useless fraud department officer, who asked me 2 questions: 1. Have you got your card with you? Yes 2. Does anyone know your pin- no. Based on that she made a decision not to refund my money!!!!!! Never within 9 years with halifax i withdrawn that much cash, so bank should have blocked it on grounds of suspicious activity. Also it has been withdrawn from the atm from different boroughs of uk, very far from where i live. Clearly they have poor security performance. I spent 4 hours on the phone to halifax to get zero result. Stay away from halifax and any of the banks under the lloids banking group, they had 21, 304 ombudsman complaints in the last 6 months!! I will recover my money, and you will compensate me for the destress you caused me and i will be closing my account with halifax. Thanks for ruining my xmas.

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Asked by Luxmagi on 12th August 2023 Report this content
How long after my new debit card is created can I get a statement from an ATM? How many days history are transactions shown on an ATM statement?

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Asked by emm7875 on 6th August 2016 Report this content
How long will it take once I take my id to the bank for my card to arrive?

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Answers (1)
Report this content DavidM61 Written on: 10/08/2016
Based on my experience with the Halifax, once all documentation, ID etc have been completed and processed, about 14 days.
Asked by lallygee on 12th August 2014 Report this content
Halifax bank have allowed E C Car rentals to debit my account for a car hire contract that I had only for 24 hours! My friend asked to hire him a car out for 24 hours. He kept the car without me knowing. About a month and half later the hire company rang me and asked for authorisation to extend the hire car on my visa debit card. I said I do not give you authority to take money out of my account and said report the car stolen and report the matter to police. She said I'm sorry but you gave your card details and I'm going to take money out of my account and put the phone down on me. This happened last year in April and E C Car rentals have debited my card for £819.00. My bank is refusing to help me. What should I do?

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Answers (4)
Report this content sramsay100 Written on: 12/08/2014
This is an EC Directive Law (2013) issue and possibly Section 75 Consumer Credit Act (1974) where you can hold your bank responsible. I am no expert though but I believe that although this is not considered to be fraud, it is intentional misuse of their merchant facilities to obtain money without authority. My advice as your first point of call would be to contact the Citizens Advice Consumer Helpline. They are trained for situations just like this and have templates in order for you to create a legal letter establishing your position and the laws that protect you. Halifax are useless in this instance and always have been. However, If the consumer helpline say that this is an instance where this does fall under Section 75 then you can force Halifax to take action. There are plenty of routes you can take here before having to file a claim with the local county court. I wish you luck.
Report this content BeHappy1978 Written on: 12/08/2014
Companies don't call to ask for authorisation if they already hold the card details. They would just debit the account the transaction was initially made on. It's not a fault of Halifax as this is a dispute between you and the company in question. As you have authorised this transaction before, no bank has liability in this instance as you, as a consumer, have used (or allowed your card details to be used) for this transaction. If banks were to start refusing transactions that companies ask for, all commerce would ground to a halt. You cannot authorise each individual transaction. For example, you use your card to purchase something online. Say it wasn't actually you, but the transaction is low value and to a company you have used before. Should that transaction be brought to your attention? No. Same thing here, you've used the company before, albeit in a third party capacity. Normally you could make a fraud claim however you have let your "friend" use your card details. No fraud team on earth would touch that claim. Your account is your responsibility, do not let others use it. Sadly, in this instance, the bank cannot help you as you must dispute this with the merchant. At the end of the day, the "friend" who didn't give the car back is as fault along with yourself for allowing your account to be used. No-one else is liable at all. Hopefully you can find some resolution, but this is one of life's lessons to be learned here. Oh and please stop saying the bank "refuse" to help, they can't help, they're not to blame. Good luck.
Report this content BonnieBee Written on: 12/08/2014
If you hired it on his behalf, then you are liable and it was your responsibility to ensure his car was returned. You may have grounds to sue your friend on the basis that he knew you were paying and took advantage. Speak to CAB and get advice.
Report this content BeHappy1978 Written on: 21/08/2014
Section 75 only applies to credit cards and if the merchant/bank are at fault which neither are.
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Asked by warhead on 9th June 2014 Report this content
Can anyone recommend getting a Reward Current account from the Halifax? Are the Halifax really as bad as these reviews?

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Answers (4)
Report this content sramsay100 Written on: 09/06/2014
Halifax once was a great bank to be with... and for years. Ahead of the game in IT systems and online banking with great customer service. Feedback was always welcomed and even actioned and as a result and all round, strict but fair bank to be with. Unfortunately ever since Lloyds took over three years ago the banks reputation and level of service started to diminish almost immediately and now three years, service is so bad that I made the decision to leave the Halifax after being with them for 31 years. When I raised a feedback with them as I thought that may have been interested to know the reason why they were losing such a loyal long term customer they treated the feedback as a complaint and treat me like absolute rubbish, sparing no feeling and not accepting any of feedback. Instead they decided to take a defensive posture, and for no reason whatsoever. So, you may as well be banking with the awful Lloyds if you want to bank with the Halifax because unfortunately, it is ultimately now the same bank in its practises and customer values.
Report this content TheUltimateRealist Written on: 09/06/2014
I disagree, I've been with the Halifax bank for over twenty years myself and never had one single problem. See, the problem with a review site is most people use them to complain, not many are complimentary, as Britain has now become, sadly, a blame shifting society full of imbeciles incapable of owning up to their own mistakes. I know banks will make mistakes, human error occurs everywhere, but for every one hundred complaints, I would say one is due to bank error, the other ninety nine don't know how to run an account or have no personal responsibility. If you know how to run an account properly then yes, the Halifax is an excellent and worthwhile contender, if not and you'd blame them at the drop of a hat for anything that goes wrong, stay clear!
Report this content BBlackie Written on: 09/06/2014
Ever since Lloyds took over, yes. Nothing on God's EARTH would persuade me to go back to Halifax. Use of an overdraft incurs a cost of £1 a day. Advice is given by staff without looking at your record, and as a result is usually wrong. You cannot trust anything they say, and you can do nothing but watch your money ebb away into their coffers. Their statements are confusing and do not update quickly so they can charge you more. The queues to see staff go on for miles, and when you finally see someone, they are rude and abrasive. I made a complaint in writing to Halifax, after I had been misadvised about my ISA. The response was short and instead of taking responsibility, they blamed me. I would suggest Nationwide instead. I pay 5p a month for a £1000 overdraft. The most I have ever been charged in a month is 13p. The staff are friendly, reliable and efficient and I have been very happy, (and somewhat richer) since I left Halifax.
Report this content vw001 Written on: 16/06/2014
Ok once the account is up and running, big problems and delays in moving direct debit instructions from existing bank resulting in missed payments/
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