Been Naughty applied for Halifax c/c

Bosie

After applying for an Alliance and Leicester account on Monday and was accepted, I'm just a bit worried about their move to Santander?
So thought blow it will see if I can get an Halifax current, not the Reward account.
Applied, got given the account details, sort code, I know though they can do this anyway and still be declined.
But this was also on the decision email as well,it mentions about having to put in £100 first? Would you say it has been opened?

Please keep scrolling to read the confirmation details!




Help


Select
Next steps Printer Friendly View






'X' indicates a field that needs to be completed.
Your account details Thank you for completing your application. Your account has now been opened.



X
Account numbe


X
Roll number







IMPORTANT - What you need to do next You haven't credited your account at this time but you can do this later in a way that’s convenient for you.
-By transferring money using our online service, if you've an eligible account with us.
-Over the counter at any Halifax or Bank of Scotland branch.
-By standing order or a money transfer from another financial provider. You'll need to quote your new account details as shown above.
-By posting a cheque to us, made payable to yourself, at the following address. Please write your new account details on the reverse.
-Halifax
-PO Box 548
-LEEDS
-LS1 1WU
You can also arrange for credits such as your salary or benefits to be paid straight into your account.






What we will do next We'll send you full account details in the post within the next 7 days.
Your Visa Debit card and Personal Identification Number (PIN) will be sent to you separately within 8 days of your account holding a balance of £100.
If you've requested our switching service a member of the switching team will be in touch to confirm your details.
If you have any queries about your new account please contact us on 08457 20 30 40.


We are sorry we are unable to register you for our online banking service at this time. Please make a note of your account details above and complete your registration by clicking Register now.



Thank you for choosing to bank with us










Calls to 0845 numbers from BT landlines cost a maximum of 4p per minute. The price of calls from other telephone companies will vary.
Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh, EH1 1YZ.

stclair

It looks like to me you have been accepted well done.

When i used to have a halifax account I had to pay money in to release the card and cheque book etc.

YorkshireBoy

So this is the 'Everyday' account?

Looks like it's identical to the Reward account, apart from the £1K monthly funding/£5 Reward.

How about redesignating it a Reward account (once it's formally open) and making yourself a free £60 a year? I remember from an earlier post you're "not on big money". That doesn't matter since as long as you credit a total of £1K (ie 2 x £500...just cycle it out to a WebSaver and back again) you'll get the fiver.

Worth a thought?

stephane_2

It looks like you've been accepted if you put in first £100 to receive your card...

Bestselling_Author

You may NOT have been accepted.

I applied for the Reward account on 13th June and got a similar email. I registered for online banking at the same time and 48 hours later I had online access, but the current account wasn't open. About 24 hours later, when I logged on, I discovered that the account had been opened.

This morning, (10 days after opening) I have just received a letter confirming that I have been accepted, but telling me to take two forms of ID into a branch to confirm identity. (Despite email saying that a debit card will be issued when I transfer £100 into the account, the letter I received today clarifies that the debit card won't be ordered until my identity has been verified. So, although my £100 has been in the account for nearly a week, a debit card hasn't been ordered yet, until I can do the 30 mile round trip to get to my nearest Halifax.

The point I'm making is that the Halifax emails look encouraging, but things actually take a bit longer than they hint at before you'll be up and running the account properly.;)

samjef11_2

Bestselling_Author wrote: »

You may NOT have been accepted.

I applied for the Reward account on 13th June and got a similar email. I registered for online banking at the same time and 48 hours later I had online access, but the current account wasn't open. About 24 hours later, when I logged on, I discovered that the account had been opened.

This morning, (10 days after opening) I have just received a letter confirming that I have been accepted, but telling me to take two forms of ID into a branch to confirm identity. (Despite email saying that a debit card will be issued when I transfer £100 into the account, the letter I received today clarifies that the debit card won't be ordered until my identity has been verified. So, although my £100 has been in the account for nearly a week, a debit card hasn't been ordered yet, until I can do the 30 mile round trip to get to my nearest Halifax.

The point I'm making is that the Halifax emails look encouraging, but things actually take a bit longer than they hint at before you'll be up and running the account properly.;)

Good info i never had this problem mainly because i think i had reward current account before and i got a halifax easycash account and got my savings with them and a instant saver account so they know me pretty well.

Bosie

Bestselling_Author wrote: »

You may NOT have been accepted.

I applied for the Reward account on 13th June and got a similar email. I registered for online banking at the same time and 48 hours later I had online access, but the current account wasn't open. About 24 hours later, when I logged on, I discovered that the account had been opened.

This morning, (10 days after opening) I have just received a letter confirming that I have been accepted, but telling me to take two forms of ID into a branch to confirm identity. (Despite email saying that a debit card will be issued when I transfer £100 into the account, the letter I received today clarifies that the debit card won't be ordered until my identity has been verified. So, although my £100 has been in the account for nearly a week, a debit card hasn't been ordered yet, until I can do the 30 mile round trip to get to my nearest Halifax.

The point I'm making is that the Halifax emails look encouraging, but things actually take a bit longer than they hint at before you'll be up and running the account properly.;)

I'm very close to my nearest Halifax thankfully, my main bank account at the moment is a 32 mile 'round trip!
I rang the Halifax and she said as you, to take in 2 forms of ID and to credit it with £100.

Bosie

YorkshireBoy wrote: »

So this is the 'Everyday' account?

Looks like it's identical to the Reward account, apart from the £1K monthly funding/£5 Reward.

How about redesignating it a Reward account (once it's formally open) and making yourself a free £60 a year? I remember from an earlier post you're "not on big money". That doesn't matter since as long as you credit a total of £1K (ie 2 x £500...just cycle it out to a WebSaver and back again) you'll get the fiver.

Worth a thought?

Never thought of that, thanks!

Bosie

Just an update really, went into the Halifax today, and they are crediting me with £50, which isn't bad!
I was told Halifax no longer issue cheque quarantee cards, you can request a cheque book.

The lady advisor was attentive and has put a £250 overdraft on my account, don't like overdrafts though, so that will be coming off:o

Hannah_10

Are you sure it's not just better to lower it to £100 for damage limitation? It would mean that 1. If you did have a hiccup and went slightly over you wouldn't have the bank charges to worry about and 2. £100 isn't a lot of temptation compared to £250 and compared to the charges it might save you.

samjef11_2

Hannah_10 wrote: »

Are you sure it's not just better to lower it to £100 for damage limitation? It would mean that 1. If you did have a hiccup and went slightly over you wouldn't have the bank charges to worry about and 2. £100 isn't a lot of temptation compared to £250 and compared to the charges it might save you.

Yeah by default i said i not want a overdraft but i applied for one on online banking and the default max limited is £100.