HALIFAX Service - Can it get any worse... probably

nickyhutch

I don't get this. If I'm paying cash or cheque into my Halifax account over the counter, I can use my card.

backinbusiness

no you can't

BigAndy_79

To pay money IN, yes, you can...

pinkdalek

nickyhutch wrote: »

I don't get this. If I'm paying cash or cheque into my Halifax account over the counter, I can use my card.

Yeah u can but at the moment until the chip & PIN comes live you need also a paying in slip.

Their Immediate Deposit Machine is far easier, and it gives you a copy of the cheque when you pay it in

nickyhutch

pinkdalek wrote: »

Yeah u can but at the moment until the chip & PIN comes live you need also a paying in slip.

Their Immediate Deposit Machine is far easier, and it gives you a copy of the cheque when you pay it in

How long's that been happening? I paid cash in about a month ago without needing a slip.

nickyhutch

backinbusiness wrote: »

no you can't

Yes, I can - about a month or so ago, I could anyway; that's why I'm asking how long this has been the case.

JuicyJesus

nickyhutch wrote: »

Yes, I can - about a month or so ago, I could anyway; that's why I'm asking how long this has been the case.

It's quite recent. Scallyfax's systems are merging with those of Lloyds, leading to the change.

pqrdef

opinions4u wrote: »

"First off, I had problems with 3 DDs which Halifax assured me had been switched to them-they hadn't so I incurred fees as there was no money in my old Santander account."

If Halifax had details of these direct debits, Santander must have provided them and failed to cancel them. Almost certainly Santander's fault.

No reason it would be Santander's fault. Supplying the details to Halifax is all they have to do.

They aren't supposed to cancel the mandate at their end, and they aren't supposed to contact the merchant. For all they know, you might be negotiating with your new bank about which DDs you want to switch and which you want to leave alone. Good switching services do this.

Halifax puts the mandate in place on the account and tells the merchant to claim payments from Halifax in future. If the merchant takes a while to get round to updating his records, he may claim a payment from the old account in the meantime.

You can complain to the merchant if you think he's been excessively slow, but really the answer is to leave enough money in the old account.

It's the merchant who initiates the payment, and Halifax can't tell you when the merchant gets up to date.

opinions4u

pqrdef wrote: »

No reason it would be Santander's fault. Supplying the details to Halifax is all they have to do.

They aren't supposed to cancel the mandate at their end, and they aren't supposed to contact the merchant. For all they know, you might be negotiating with your new bank about which DDs you want to switch and which you want to leave alone. Good switching services do this.

Halifax puts the mandate in place on the account and tells the merchant to claim payments from Halifax in future. If the merchant takes a while to get round to updating his records, he may claim a payment from the old account in the meantime.

You can complain to the merchant if you think he's been excessively slow, but really the answer is to leave enough money in the old account.

It's the merchant who initiates the payment, and Halifax can't tell you when the merchant gets up to date.

Hate to say it, but I think I'm wrong!

chexum

The most informative piece about this was Tesco's complaint about the barriers of entry to become a bank:

Competition and choice in the banking sector
http://www.publications.parliament.uk/pa/cm201011/cmselect/cmtreasy/memo/banking/m22.htm
..."the Service User’s Guide and Rules to the Direct Debit Scheme states that service users must action change of account requests within three working days of receipt, all too often these companies (utilities, councils, telecoms and media providers) either continue to take money from the wrong account, or finding that they cannot, threaten to cut off the service."