Halifax overdraft charges?

noh

Wig wrote: »

So you don't think it was possible to get either

A few software engineers to make sure this didn't happen by combining accounts if neccessary
or
Have the new HCA account created with exactly the same conditions as the RCA and call it PRCA (provisional RCA) either for everyone to have or just as you say for those who already have RCA accounts.

Instead of giving everyone automatic access to the new better account conditions they chose the best option for the bank, and the worst option for the customers, they chose to change everyone to an account that pays almost nothing.

I'm afraid you are simply wrong, they could have done this if they wanted to and it would have been no more difficult than what they did do which was to create the new rubbish HCA account and transfer everyone into it.

Other banks are the same, Lloyds for example creating the Classic plus account and not automatically giving it to existing customers, then allowing the classic plus to be less than attractive and offering a new account classic with vantage again without telling existing customers, and without automatically putting customers into it.

Thanks for telling me that I am simply wrong. Which I am clearly not.

As you have pointed out to change every HICA to a Reward account where eligible would have required more effort and therefore would have been more difficult.
All they have done is to rename the HICA to CA.
It's up to the individual to ensure they have the best account for their circumstances which only they know.

Wig

You are simply wrong because you have ignored the point I made, in order to avoid the problem you highlighted, they could have created not a HCA but a PRCA with exactly the same benefits as the RCA This would have required NO MORE effort than that of creating the HCA with the T&Cs they applied to it.

They did not simply rename HICA to CA, They changed the name and the T&Cs of the HICA into a totally new CA/HCA account. Which could just as easily have been made to match the T&Cs of the RCA and called PRCA.

Andystriker

Wig wrote: »

All the new current accounts had "different fees and charges" from the HICA it was as simple as the process they used to change everyone onto HCA, to have changed everyone to the RCA. They chose not to do it because to do so would have been in the best interests of their customers. And as I said banks never do that.

I take responsibility for what is in my best interests and I don't rely on my bank or any other financial institution to do so for me.