HBOS ARE A DISGRACE. Please read this item, as we all can learn from the experience.

opinions4u

JoeBloggs001 wrote: »

BTW - we are scouting for a highly experienced (with banking disputes) solictor. Not looking for compensation, looking to make a point.

And what point will you prove?

If you took them to court over this, what would you be asking them to do?

I assume you'll get a letter of apology and explanation from a senior manager, some flowers and a cheque in the next few days.

If you take them to court over it, it is possible that the judge will rule in your favour, award you £100 for the distress and makes you pay the bank's legal costs because you didn't bother using the formal complaints procedure.

You've been treated poorly and I sympathise. But solicitors? I don't get it.

olly300

OP don't waste your money going to court. Follow HBOS's complaints procedure to the letter. I know you are annoyed about a bank not allowing you access to your own money but there is no point throwing good money at it.

I also suggest you open up two personal current accounts each with 2 different institutions not with HSBC. And make sure you put money in both of them regularly.

That way you will not fall foul of this again.

JoeBloggs001

Hi everyone,

Some good news.

The Managing Director of Halifax has been in touch with us by email.

A clear and satisfactory explanation has been provided to us, as well as

an apology. A real effort has been made to put this right and we do

appreciate the response from Halifax.

The MD has also offered to call us personally to discuss the matter.

We are very pleased with this outcome and it's largely to do with the

help given on this thread. A big thank you to everyone.

Anti-fraud policies are exceptionally important but more care has to be

taken to not get innocents caught in the fishing nets.

We'll close with one point. It's a shame that the Customer Experience

professionalism at the top of this Bank has not found it's way to down to

Branch level. This is the key Customer touch point for us all and the Halifax

need to get it right.

Million thanks everyone.