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  • FIRST POST
    • Jlawson118
    • By Jlawson118 12th Oct 16, 6:00 PM
    • 378Posts
    • 23Thanks
    Jlawson118
    Halifax 'sending me around the houses' to close my account down?
    • #1
    • 12th Oct 16, 6:00 PM
    Halifax 'sending me around the houses' to close my account down? 12th Oct 16 at 6:00 PM
    I opened a student account with HSBC earlier this year, and I was unhappy with the way they treated me (a second time ) So I used the switch service to claim £100 and also the £5 a month with Halifax Rewards.

    Around July, I upgraded it to their Ultimate Reward as I was buying a car and wanted the breakdown cover. I've had it for a few months, but they kept rejecting me for a credit card and overdraft, and the car deal I got has a year's breakdown cover anyway, so I don't really need it anymore, and I've decided to move over to Barclays anyway as I found a better deal.

    I went into Barclays today to use the switch service and Halifax rejected it. So I phoned them up and Halifax kept me on the phone for about 50 minutes on hold, then making me downgrade my account back to just Halifax Reward, and then when asking when I can cancel it now they've downgraded it, I have to wait another week to wait for my new card and terms and conditions to arrive!

    I wanted rid of this account and I can't believe I'm being dragged through all of this just to close down an account. I've never had this problem before..
Page 1
    • jonesMUFCforever
    • By jonesMUFCforever 12th Oct 16, 7:02 PM
    • 23,188 Posts
    • 10,534 Thanks
    jonesMUFCforever
    • #2
    • 12th Oct 16, 7:02 PM
    • #2
    • 12th Oct 16, 7:02 PM
    Did you ask the obvious question? Why was the switch rejected?
    Could it be that the account is overdrawn? Did you provide the correct 16 digit card number - is your address exact with both banks??

    Downgrading is a red herring in my book just mudding the waters.
    What goes around - comes around
    give lots and you will always receive lots
    • Doctor Duke
    • By Doctor Duke 12th Oct 16, 8:29 PM
    • 256 Posts
    • 106 Thanks
    Doctor Duke
    • #3
    • 12th Oct 16, 8:29 PM
    • #3
    • 12th Oct 16, 8:29 PM
    I thought you were a fan of First Direct.... �� http://forums.moneysavingexpert.com/showthread.php?t=5540020
    • Jlawson118
    • By Jlawson118 12th Oct 16, 8:50 PM
    • 378 Posts
    • 23 Thanks
    Jlawson118
    • #4
    • 12th Oct 16, 8:50 PM
    • #4
    • 12th Oct 16, 8:50 PM
    Did you ask the obvious question? Why was the switch rejected?
    Could it be that the account is overdrawn? Did you provide the correct 16 digit card number - is your address exact with both banks??

    Downgrading is a red herring in my book just mudding the waters.
    Originally posted by jonesMUFCforever
    It just stated on their system that the particular account could not be used on the switch service
    • Jlawson118
    • By Jlawson118 12th Oct 16, 8:51 PM
    • 378 Posts
    • 23 Thanks
    Jlawson118
    • #5
    • 12th Oct 16, 8:51 PM
    • #5
    • 12th Oct 16, 8:51 PM
    I thought you were a fan of First Direct.... �� http://forums.moneysavingexpert.com/showthread.php?t=5540020
    Originally posted by Doctor Duke
    I am, but after the fraud incident that I mentioned, I was left without money and so I opened up another account to avoid it happening again. And since then I've been here, there and everywhere trying to find another account, and well Halifax wasn't the one
    • Alter ego
    • By Alter ego 12th Oct 16, 8:56 PM
    • 1,766 Posts
    • 1,683 Thanks
    Alter ego
    • #6
    • 12th Oct 16, 8:56 PM
    • #6
    • 12th Oct 16, 8:56 PM
    Why phone Halifax? Switching is done by the new bank without any help from you provided your old account is in credit.
    Ignore me if you like, it's not the real me anyway.
    • Jlawson118
    • By Jlawson118 12th Oct 16, 9:08 PM
    • 378 Posts
    • 23 Thanks
    Jlawson118
    • #7
    • 12th Oct 16, 9:08 PM
    • #7
    • 12th Oct 16, 9:08 PM
    Why phone Halifax? Switching is done by the new bank without any help from you provided your old account is in credit.
    Originally posted by Alter ego
    Well this is the problem, I've used the switch service before so I know how it works, so I had accounts with Halifax and Lloyds. But I wanted to move them both over to Barclays. The lady in Barclays entered the Halifax details and it popped up something like "This account is unavailable on the Switch Service" so she did the Lloyds one with no problems.

    So I had no other option but to phone Halifax, because if I don't cancel it then I'll have to pay for another month of their service that I don't need anymore
    • KJSmith
    • By KJSmith 12th Oct 16, 11:26 PM
    • 84 Posts
    • 34 Thanks
    KJSmith
    • #8
    • 12th Oct 16, 11:26 PM
    • #8
    • 12th Oct 16, 11:26 PM
    Well this is the problem, I've used the switch service before so I know how it works, so I had accounts with Halifax and Lloyds. But I wanted to move them both over to Barclays. The lady in Barclays entered the Halifax details and it popped up something like "This account is unavailable on the Switch Service" so she did the Lloyds one with no problems.

    So I had no other option but to phone Halifax, because if I don't cancel it then I'll have to pay for another month of their service that I don't need anymore
    Originally posted by Jlawson118
    So the switching process was never started which means it wasn't actually rejected by Halifax.
    • Mr Goodkat
    • By Mr Goodkat 13th Oct 16, 2:12 PM
    • 360 Posts
    • 220 Thanks
    Mr Goodkat
    • #9
    • 13th Oct 16, 2:12 PM
    • #9
    • 13th Oct 16, 2:12 PM
    I wonder if it is technically possible to switch a packaged bank account to either another packaged account or like in this case a packaged bank account to a non packaged bank account?
    • Westie983
    • By Westie983 13th Oct 16, 4:16 PM
    • 3,214 Posts
    • 12,574 Thanks
    Westie983
    Was the account a URCA? or was it a basic bank account? The former can not be switched.

    You can cancel your account in branch, and you will get any credit back, if you are overdrawn or you will need to pay this back before the computer allows you to cancel.

    Reading the thread the URCA, has been downgraded to the reward account so the pro rata fees have already been paid, so you should be able to close the account in branch.

    If you still require to switch then you need to keep the account open and let Barclays initiate the switch, if you are overdrawn then the switch will fail as you are required the account to be in credit before switching.

    hope this helps.
    Save 12k in 2016 #16 Total £14650/£12000 = 122.08%
    Sealed Pot Challenge ~ 10 #97 Total (£252) +£13/£300 = 88.33% ( x 10)
    Xmas 2017 £1 a Day #6 Total £34.00/£365 = 9.31%
    Virtual Sealed Pot #1 Total £800/£800 = 100.00%
    £2 Savers Club 2016 #104 Total (£1060)+£386/£2000 = 72.30%

    Total £17195.78/£15465 = 111.18%
    • Jlawson118
    • By Jlawson118 15th Oct 16, 12:28 AM
    • 378 Posts
    • 23 Thanks
    Jlawson118
    Was the account a URCA? or was it a basic bank account? The former can not be switched.

    You can cancel your account in branch, and you will get any credit back, if you are overdrawn or you will need to pay this back before the computer allows you to cancel.

    Reading the thread the URCA, has been downgraded to the reward account so the pro rata fees have already been paid, so you should be able to close the account in branch.

    If you still require to switch then you need to keep the account open and let Barclays initiate the switch, if you are overdrawn then the switch will fail as you are required the account to be in credit before switching.

    hope this helps.
    Originally posted by Westie983
    I wasn't too bothered about the switch, although I had one Direct Debit on my Halifax that I wanted to move over, but when I get a minute then I am just going to contact the company and have them move it over.
    I wrote a complaint to Halifax after the way they've treat me, and the lady dealing with it said it was due to it being ultimate reward and them wanting to take the fees for the month, which I explained to her that I thought it was. So anyway, she said that it's not usually her place to shut such an account down, but this time she would do, and she took about a £4 payment for the month I think, closed the account down and the remaining balance of about £5 will be sent to me in a cheque
    • jimjames
    • By jimjames 15th Oct 16, 12:46 PM
    • 10,836 Posts
    • 8,902 Thanks
    jimjames
    I wonder if it is technically possible to switch a packaged bank account to either another packaged account or like in this case a packaged bank account to a non packaged bank account?
    Originally posted by Mr Goodkat
    You can switch it anywhere you want in my experience
    Remember the saying: if it looks too good to be true it almost certainly is.
    • pinkdalek
    • By pinkdalek 15th Oct 16, 3:25 PM
    • 1,176 Posts
    • 666 Thanks
    pinkdalek
    Was the account a URCA? or was it a basic bank account? The former can not be switched.
    Originally posted by Westie983
    I beg to differ.
    You may not receive an incentive for switching to a basic, but you can switch a basic account to either another basic account elsewhere or to a full facility account if both banks are on the switching service.

    The OP should have found out via Barclays why it was rejected, then if the rejection was from Halifax to contact them and find out why.
    • YorkshireBoy
    • By YorkshireBoy 15th Oct 16, 3:47 PM
    • 28,271 Posts
    • 16,096 Thanks
    YorkshireBoy
    I beg to differ.
    You may not receive an incentive for switching to a basic, but you can switch a basic account to either another basic account elsewhere or to a full facility account if both banks are on the switching service.
    Originally posted by pinkdalek
    I think Westie was saying the URCA could not be switched away (although I'm not sure why?), not that a basic account could not be switched away from Halifax.
    • Westie983
    • By Westie983 15th Oct 16, 6:11 PM
    • 3,214 Posts
    • 12,574 Thanks
    Westie983
    I think Westie was saying the URCA could not be switched away (although I'm not sure why?), not that a basic account could not be switched away from Halifax.
    Originally posted by YorkshireBoy
    Thats correct, I was trying to explain that the URCA pays fees pro rata and there was no mention of an OD in the OP, so if you are overdrawn you would need to put the account in credit before closing or switching,

    From what I can see the URCA was downgraded to the reward account so the fees have been paid on downgrade.

    I cant understand why the account couldn't be closed, if the switch is no longer required unless there was an overdraft present, you can cancel/close accounts in branch but not over the phone.
    Save 12k in 2016 #16 Total £14650/£12000 = 122.08%
    Sealed Pot Challenge ~ 10 #97 Total (£252) +£13/£300 = 88.33% ( x 10)
    Xmas 2017 £1 a Day #6 Total £34.00/£365 = 9.31%
    Virtual Sealed Pot #1 Total £800/£800 = 100.00%
    £2 Savers Club 2016 #104 Total (£1060)+£386/£2000 = 72.30%

    Total £17195.78/£15465 = 111.18%
    • pinkdalek
    • By pinkdalek 16th Oct 16, 11:15 AM
    • 1,176 Posts
    • 666 Thanks
    pinkdalek
    Thats correct, I was trying to explain that the URCA pays fees pro rata and there was no mention of an OD in the OP, so if you are overdrawn you would need to put the account in credit before closing or switching,

    From what I can see the URCA was downgraded to the reward account so the fees have been paid on downgrade.

    I cant understand why the account couldn't be closed, if the switch is no longer required unless there was an overdraft present, you can cancel/close accounts in branch but not over the phone.
    Originally posted by Westie983
    The only fees paid on a downgrade would be a pro-rata fee for the Ultimate Reward for the current month's usage as the account is still opened. If it was closed the consumer would pay any outstanding fees owed. Bank may have declined it due to being overdrawn or outstanding overdraft fees due at the following month. As I stated the OP needed to contact Barclays first to find out why it was rejected and then if it was Halifax who rejected it to then speak to them.
    • Westie983
    • By Westie983 16th Oct 16, 7:23 PM
    • 3,214 Posts
    • 12,574 Thanks
    Westie983
    The only fees paid on a downgrade would be a pro-rata fee for the Ultimate Reward for the current month's usage as the account is still opened. If it was closed the consumer would pay any outstanding fees owed. Bank may have declined it due to being overdrawn or outstanding overdraft fees due at the following month. As I stated the OP needed to contact Barclays first to find out why it was rejected and then if it was Halifax who rejected it to then speak to them.
    Originally posted by pinkdalek
    The URCA wasn't closed it was downgraded to the reward account.
    You are repeating what I have already posted earlier about the overdraft or fees being outstanding.
    Save 12k in 2016 #16 Total £14650/£12000 = 122.08%
    Sealed Pot Challenge ~ 10 #97 Total (£252) +£13/£300 = 88.33% ( x 10)
    Xmas 2017 £1 a Day #6 Total £34.00/£365 = 9.31%
    Virtual Sealed Pot #1 Total £800/£800 = 100.00%
    £2 Savers Club 2016 #104 Total (£1060)+£386/£2000 = 72.30%

    Total £17195.78/£15465 = 111.18%
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