Halifax Appalling Treatment

noms_2

Thanks again to all those that offered advice. There were differing opinions but ultimately this is a rare circumstance which the Halifax's systems were not able to deal with as sensitively as I would have liked.

The solution to our problem though came when they sent out a form for my fianc!e to sign allowing me access to the account (this despite me telling them she's in a cancer induced coma). I just forged her signature and sent it back. Needs must.

opinions4u

noms wrote: »

I suppose it says a lot about the erosion of our expectations when in comes to defending the inactions of those in the financial services industry.

I don't want to swap places with you. It must be a very difficult time.

But the financial services industry is governed by the law of the land. While you have found a way round the problem (with an illegal act, but one that I would probably have considered myself) complaining about the bank's inaction is simply unfair.

The law provides for these circumstances. If you wish to manage somebody's financial affairs you either obtain power of attorney when they are able to agree to it, or you apply to the Court of Protection.

It would appear that you have been "inactive" in seeking either solution.

Thrugelmir

noms wrote: »

As explained in my opening post Halifax are aware of our circumstances which means I have told them that my fianc!e is in a cancer induced coma and unable to nominate me or sign anything. Whether they're being callous or not depends on your point of view but from where I'm sitting a good old fashioned poke in the right direction is not going to hurt anyone.

I suppose it says a lot about the erosion of our expectations when in comes to defending the inactions of those in the financial services industry.

Whatever your personal circumstances. Breaking the law by committing fraud takes the whole matter into a new dimension. The bank has operated within the law so has nothing to answer for.

Gary123456790

Hi,

I cant add much advice but wanted to add my support. My mother in law had a long battle with cancer which suddenly overcame her and left her confused and unable to make much sense.

Fortunately for the father-in-law, they didnt have a mortgage so the financial affairs could wait. I know first hand the affect on the family so I really feel for you, especially with the mortgage to deal with.

The only things I can add are that I hope you have contact with a Macmillan nurse - they are very good at what they do. They helped out my father-in-law a lot more than the NHS when really needed.

Also, I have overpaid my Santander mortgage by walking into a branch with the account number and writing out a cheque to myself and handing it over - no ID checks, etc, so hopefully you can do this also.

For what its worth, I'd have forged the signature too. It is impossible to understand this kind of situation unless you've been in it.

Feel free to send me a PM if you want any support.

You will get through it and life will get brighter.

All the best.

Gary.

Yorkie1

Thrugelmir wrote: »

Whatever your personal circumstances. Breaking the law by committing fraud takes the whole matter into a new dimension. The bank has operated within the law so has nothing to answer for.

One now hopes for your sake OP that the bank isn't sufficiently competent to put everything together and investigate either:

a) who had fraudulently told them that the mortgage holder was in a coma (i.e. because the form has been returned so that story couldn't be true); or

b) who has forged the signature on the document because it couldn't be legally signed given the repeated assurances that the mortgage holder was in a coma.

I am not saying that you've told the bank lies about your fiance, OP, but if anyone is clued up on your account then the two stories are mutually exclusive so one of them must be fraudulent.

DVardysShadow

Yorkie1 wrote: »

One now hopes for your sake OP that the bank isn't sufficiently competent to put everything together and investigate either:

a) who had fraudulently told them that the mortgage holder was in a coma (i.e. because the form has been returned so that story couldn't be true); or

b) who has forged the signature on the document because it couldn't be legally signed given the repeated assurances that the mortgage holder was in a coma.

I am not saying that you've told the bank lies about your fiance, OP, but if anyone is clued up on your account then the two stories are mutually exclusive so one of them must be fraudulent.

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