Halifax C**P

Gromitt

Apreciar wrote: »

All well and good. The point is it is an immediated access account but they will no make it immediate or even quick. Sixteen plus days I ask you, and I am expected to jump through hoops to get MY money.

The point I'm trying to make is that I got my cash the very same day (actually within a few hours, which included travelling to the branch) without any hoop jumping. You could have done the same.

Apreciar

Gromitt wrote: »

The point I'm trying to make is that I got my cash the very same day (actually within a few hours, which included travelling to the branch) without any hoop jumping. You could have done the same.

Which included travelling to the branch? Sorry but how BIG a hoop is that for an immediate access INtERNET account.

calypso_rhapsody

I'm with the OP that a delay of this extent is unacceptable ... but i am afraid that it does happen quite often (I had one particular nightmare with HSBC that comes to mind) and the 'find a way around the rules' approach is what i adopt now.

I completely agree that it is madness that you have to write in or to visit a branch to close an internet account - on the other hand it is not unreasonable that they might apply some additional security checks for such large sums.

Not all of us live or work near a branch and it can be a real pain/time consuming/expensive/bad for the environment to have to make a special journey to close an account.

Nowadays i do look pretty carefully at that part of the T&Cs that deals with account closure!

Mandelbrot

I'm not usually in the position of coming to Halifax's defence these days, but you could of course close most of Halifax's internet-based accounts online until last September when they merged their systems with those of their boss, Lloyds. This exercise has been the cause of many subsequent problems for customers.

I would therefore suspect that the senior management of Halifax would agree with Apreciar and calypso rhapsody (though they probably wouldn't say so openly).

Gromitt

Apreciar wrote: »

Which included travelling to the branch? Sorry but how BIG a hoop is that for an immediate access INtERNET account.

The travel to the branch was to transfer over 100K to another provider which can't easily be done online since it's above the FP maximum and I didn't feel like doing it over 10 days or so (probably triggering anti fraud/moneylaundering algorithms in the process)

The actual transfer of the internet-based account to my current account happened in minutes and I did it on my phone.

I didn't care how long the account closure took as it had a NIL balance when I requested closure.

Apreciar

Gromitt wrote: »

The actual transfer of the internet-based account to my current account happened in minutes and I did it on my phone.

I didn't care how long the account closure took as it had a NIL balance when I requested closure.

You cannot close this account by phone and although you can draw down to a zero balance as it is a yearly interest account there is accrued interest which is locked into the account until August. As I only have savings accounts with them I could not transfer all the balance into a current account.

It has now taken twenty days and still no sign of the account being closed.

Apreciar

What a shambles Halifax are. Rang on the 27th Feb, told them it was now twenty days since I asked for the account to be closed, they took me through the complaints procedure and said I would be contacted. No contact by today so rang them, to be told that they cannot close the account because it is in the complaints department.

The account has now been drawn down to zero but because it is annual interest, my accrued interest £1840 is locked away by them.
They have this money which belongs to me but I cannot get hold of it. Pity the government didn't let this crowd go to the wall.

atush

Then, my friend you would but up Sh*t creek w/o a paddle.

As you would only have gotten back 85K, instead of 160K plus interest? you were over the FSCS comp limit.

Apreciar

atush wrote: »

Then, my friend you would but up Sh*t creek w/o a paddle.

As you would only have gotten back 85K, instead of 160K plus interest? you were over the FSCS comp limit.

Oh no my smart ar*e friend, it was a joint account, double 85k. Even I was not daft enough to trust these cowboys with anything over the limit, that's why it was just 160k.

atush

You never mentionned it was joint, and you are a pretty rude person so maybe they are doing this to spite you?

I was going to say, that despite being rude to others with suggestions you finally took their suggestions and got most of your money out safely, even if you are waiting for your interest- so good for you.

but I guess I no longer care.