halifax! can they do this?

kenshaz

Mark7799 wrote:

What site rules?

Where is this thread going?

P.S. To save time or further enquiries, I am an ex-bank manager (six years out of the job).

Thank-you ,you have my respect

Alfie_E

vix2000 wrote:

I could transfer the money from any of my other, or any other halifax accounts by online banking and make an instant transfer up to 11.59pm tonight.

Get a Nationwide FlexAccount. There’s no “ring fencing” of money; batch transactions are processed once, in the early hours of the due date. So long as the money’s there for 11:59.59pm, everything’s fine. Ok, Nationwide’s on-line banking says Sunday into Monday is an exception, in that the money has to be there by 9:00pm Sunday. However, I’ve been told by a member of Nationwide staff that this is incorrect, and that even Monday transactions only ever start after midnight on Monday. In my experience, that seems to be true.

(As well as on-line transactions, Nationwide have a type of ATM that can accept cash deposits and instantly credit them to an account. While I’ve never seen one outside of a branch, if there are any publicly accessible outside branch hours, when you draw the line for the end of the day becomes even more important.)

Hereward

kenshaz wrote:

I will now ask you to declare as per the site rules,have you any financial links or receive salary from a bank or financial organistion ,try to evade that and the answer will be clear

Certainly, the aforementioned accounts all bear interest, thus I receive a modest income from my accounts. The organisation that I work for has income and expenditure, so it could be deemed a financial institution, along with every other organisation I could mention…

kenshaz wrote:

I know that you declare ,would others please also declare, it helps,when you have received training from an an organisation,your points are bound to be different,and perhaps sometimes biased by your experiences with customers.

In addition I have attended various training courses, the majority of which have nothing to do with finance. All of these courses have enabled me to understand the principles of thought and reasoning. I happen to belong to the school of though that all learning is the absorption of the teachers’ prejudices and opinions; as such I was try to look at all arguments before reaching my conclusions.

masonic

kenshaz wrote:

Would you please declare ,any links or have recieved a salary from a financial organisation

Would you please declare any prejudices or personal vendettas you hold against a financial institution... That argument works both ways, you see

Also, you might like to take a look at this page.

CopperPlate_2

Does it really matter? I mean if you want to take money out and put money in to your account several times a day on the day before DD/SO's come out then fine, whatever floats your boat, but why would you need/want to? A thrill that you might go overdrawn the next day! :rolleyes: come on! I know that it is a bit of a thought that the bank might have paid out early/taken early, but it's only acting on the instructions set up by SO or DD - it's not taking it for itself.

I think it's a bit of a drama really - if unhappy with it, lose the bank and find another one that pleases you, but remember that the grass isn't always greener on the other side and there's no such thing as a bank that hits all the right buttons of good customer service, decent interest, flexible internet features, etc, etc.

CopperPlate_2

masonic wrote:

Would you please declare any prejudices or personal vendettas you hold against a financial institution... That argument works both ways, you see

Also, you might like to take a look at this page.

oooohhh, very clever! :cool:

M_Thomson

kenshaz wrote:

Would you please declare ,any links or have recieved a salary from a financial organisation

So presenting and argument that differs in opinion to yours automatically means I work for a financial organisation?

CopperPlate_2

Thought better of this post and edited. Not wanting to get too involved in this...:rolleyes:

kenshaz

Hereward wrote:

Certainly, the aforementioned accounts all bear interest, thus I receive a modest income from my accounts. The organisation that I work for has income and expenditure, so it could be deemed a financial institution, along with every other organisation I could mention…



In addition I have attended various training courses, the majority of which have nothing to do with finance. All of these courses have enabled me to understand the principles of thought and reasoning. I happen to belong to the school of though that all learning is the absorption of the teachers’ prejudices and opinions; as such I was try to look at all arguments before reaching my conclusions.

Evasive

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not worthy of further response

Hereward

kenshaz wrote:

Evasive

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not worthy of further response

Good, that was what I was aiming for. <statement removed> I notice that you haven’t declared your prejudices yet…