Halifax Reviews

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Halifax
★☆☆☆☆
1.3
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10.0% of users recommend this
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“The worst and most clueless bank in the UK stuck in...”

★☆☆☆☆

written by Rednax on 27/03/2024

By far and away the worst bank in the UK. They are stuck in the 90s. 27 times in three months I have sent payments to my staff and Halifax block the payment and tell me to call their fraud hotline or they will remove my banking access to approve the payment. They can't do something as simple as send a digital statement of a closed account my accountant required. Their staff are incompetent. Their app is slow. Their staff take hours to respond to chats and close the chat without bothering to ask if they have resolved the problems they create, which means going through chat again from the beginning, then the next chat agent does exactly the same thing. I have had my debit card declined in Asda with text asking me to confirm I'm trying to pay for my groceries, which in one case caused me to sit in Asda for 2 hours on the phone to 6 different staff members who are equally clueless and inept. DO NOT EVER OPEN AN ACCOUNT WITH THIS BOOMER BANK.

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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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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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