Halifax Problems. advice needed.

Kca

I just have a ready cash With the Halifax and I can deposit money in over the counter I only set up a basic ready cash account with them as my job at the time I was paid by cheque , I could walk straight up to the counter or any one I new could and put money straight in and my cheque cleared straight away so I don't agree that's my personal experiences tho.........:)
Although I am in the middle of closing that account as I hate them lol

And it is a debit card just a visa electron......

innovate

Savvy_Money wrote: »

People choose to be 'different'! Oh yes people 'choose' to have a restrictive service - yes I'm sure people 'choose' to be unemployed, or made redundant. Yes some people recklessly spend, but actually Innovate choice is not open to everyone - some people have to really struggle to work, care for their families, and make ends meet - is it a choice - not really.

I'd like to stick with the subject of the thread. We were talking about the fact that some people only have basic bank accounts and limited facilities with them. We weren't talking about the much larger subject of people struggling to work, caring for their families, and making ends meet.

Just because you are unemployed/made redundant doesn't mean you have to have a basic bank account. There are very, very few people who - due to no fault of their own - never had the choice of more than one current account. Even those people who have only basic account access do have a choice of various accounts. So I stick to what I said before - make your bed and lie in it.

Savvy_Money wrote: »

But I suppose the word empathy is not something you use often considering your last statement. What nonsense!

Yes, what nonsense. Why should I emphatise with someone because they chose a bank account they don't like.

Savvy_Money

No innovate not everyone can choose a standard current account and have to take a basic option. Yes they can go with another provider but it is not always that simple. And not everyone makes their bed to lie on. Life can and does cause difficulties. My point which I have mentioned several times is that I personally don't like the fact that banks treat this vulnerable group as different to a standard customer. I acknowledge this is my view and I acknowledge yours and I apologise for misunderstanding your description of choice as I read this to be a generic view. But I reserve a right to express a view that criticises the bank.

pmduk

Savvy_Money wrote: »

No innovate not everyone can choose a standard current account and have to take a basic option. Yes they can go with another provider but it is not always that simple. And not everyone makes their bed to lie on. Life can and does cause difficulties. My point which I have mentioned several times is that I personally don't like the fact that banks treat this vulnerable group as different to a standard customer. I acknowledge this is my view and I acknowledge yours and I apologise for misunderstanding your description of choice as I read this to be a generic view. But I reserve a right to express a view that criticises the bank.

I'm usually ready to criticise banks where due, but we're going to have to agree to differ on this matter.

For years this category of vulnerable people couldn't get a bank acount full stop. Now they can. The trade-off is that some services aren't available to them.

The extension of your argument is that this group should be provided with overdrafts or Barclays basic bank account holders should be entitled to the facilities of Barclays Premier, solely on the argument that they should be treated the same as other customers.

Sadly, they're not the same and until banks become charities we have to accept that those customers who are more profitable will attract additional attention.

Savvy_Money

Yes I agree to differ on this one. By the way I'm not comparing basic accounts with premier accounts just bog standard ones. I'm not suggesting that they have access to overdrafts or preferential mortgage rates just access to a real person instead of a machine. But I appreciate that the Halifax is not offering this so there we are. As I said I don't like it but hey ho that's the way it goes.

pmduk

When Halifax experimented with Sunday opening about 14 years ago, they posted a notice on the door of my then local branch, stating that there were no services available in-branch on Sundays for Cardcash holders. (Cardcash being the predecessor to Easycash.) So this isn't a new attitude they've adopted.

opinions4u

pmduk wrote: »

When Halifax experimented with Sunday opening about 14 years ago, they posted a notice on the door of my then local branch, stating that there were no services available in-branch on Sundays for Cardcash holders. (Cardcash being the predecessor to Easycash.) So this isn't a new attitude they've adopted.

Indeed it isn't.

They used to charge 60p for a counter withdrawal on low balance accounts. And £2.50 quarterly servicing charge.

dr_adidas01

All I can say is if your not happy with the account that you have, why don't you just open an account with either Barclays or the Co-Operative.

There basic accounts offer a visa debit card (subject to status) let you take out cash from any ATM and offer counter services.

Banks are not obliged to provide people with a bank account if they don't want to. Yes everything these days is based on your credit rating as to which account type they will or will not give you.

Gone are the days when you could pop into a bank and open an account simply because your family banked with them or some one could refer you to them. Don't like what you have then there is only you that can change it, moaning about it isn't going to make Halifax change the service they provide with the type of bank account you have.

Vote with your feet and change to a bank whose account suits your needs.

pmduk

I've always suspected that Halifax want their queues to be full of people that they can sell additional services to. It would explain why they allow the queues to get so long, possibly I'm being cynical.

pvt

Savvy_Money wrote: »

Except you pay for a service with BA

whereas the service the bank provides should simply be an entitlement?