Several months on now from HBOS/Lloyds - how is it for you?

backinbusiness

As the title says really re HBOS

How do you view the changes now they've had time to bed down?

Anyone still experiencing difficulties?

Anyone upped sticks and moved to another bank as a result?

My two-pence worth:- (1) The ISA no longer shows online how much is still available to transfer in and, (2) customer service does seem to have dipped as they find their way round their own new systems.

Interested to hear your experiences.

BiB

opinions4u

Two things I'd like:

1) The option to close a savings account online.
2) Proper details of credit card balance.


Two things I like:

1) Online international payments for £7.95.
2) 6 years transaction history on my accounts.

jen245

I think their credit card servicing leaves a lot to be desired, cant increase/decrease credit limit without phoning, same with setting up dd's, balance info and previous statement info lacking etc. I hope that over the coming year, they will sort it out.

With their ISA's if you go to transfer money into it from another Halifax account, it does tell you how much allowance you have left, at least it did with mine before I moved onto a FRISA.

backinbusiness

jen245 wrote: »

With their ISA's if you go to transfer money into it from another Halifax account, it does tell you how much allowance you have left, at least it did with mine before I moved onto a FRISA.

Just going to go and experiment with this. Will report back.

BiB

No - no details online.

jalexa

opinions4u wrote: »

Two things I'd like:

1) The option to close a savings account online.

Ah, you mean like you used to be able to close Halifax websavers online before the migration? And have the maturity account listed.

MoneySaverLog

opinions4u wrote: »

I'd like:

1) The option to close a savings account online.

Unlikely, for some reason the banks like to make it as hard as possible to close an account down, I've yet to see any bank offer the ability to "close" an account online. But I agree there should be a way.

opinions4u

MoneySaverLog wrote: »

Unlikely, for some reason the banks like to make it as hard as possible to close an account down, I've yet to see any bank offer the ability to "close" an account online. But I agree there should be a way.

From 1999 to 2009 Halifax Web Saver accounts could be closed online.

pinkdalek

The option to remove accounts from your portfolio/select which ones you want to view.

Ability to change your username.

Being able to open joint accounts/children's accounts online.

strawberrylane

The interest rates for all of my Halifax fixed rate accounts are still not being displayed online.

The interest rates were being displayed for my fixed rate accounts prior to the middle of December 2011 since when they have all been removed.

This applies to the following types of accounts which I hold: Fixed rate websaver, fixed online saver, stepped income reserve.

Come on Halifax, please display my (fixed) interest rates again.

Mandelbrot

backinbusiness wrote: »

How do you view the changes now they've had time to bed down?

They're a complete mess.

Anyone still experiencing difficulties?

Yes.

Anyone upped sticks and moved to another bank as a result?

Generally, Yes. (Partly because they are now user-unfriendly, partly because they often get things wrong, and partly because their interest rates are rubbish.)


And how can you say you operate an 'online' system if you don't do email?

fira

I'd been with BofS for close to 10 years with a mixture of savings and current accounts, including Share Dealing. Up to the changeover I was very happy with them, including the service from my local branch.

Then it all went wrong. No access to online banking for 5 days, no promised return phone calls after I queried the loss of service. When they did eventually get it up and running again the accounts were a mess, some were missing and I had about five rows of duplicate account names.

More calls, again no return contact with me despite more promises they would. It took another 4 days for everything to appear as it should online.

A few days later I sign-on again. This time a completely white screen instead of my accounts’ page. Three more days of that.

Letter of complaint issued and £50 credited to my account.

I've now transferred all accounts to First Direct. Those were opened with ease by phone (apart from Share Dealing which was paper based), cheque books, cards etc in my hands within a week. I'm very impressed with them. Yes, their online banking seems a wee bit past its sell-by date but it’s sufficient for me and does all I need.

To be honest, if HBOS/Lloyds had talked to me and kept me up to date with the problem and the fixes I’d probably still be with them. The fact they made promises to do just that and never did was the reason I left.