Arghh I've lost my Halifax Rewards accounts, 14th April setup must have been correct

noh

MisterMotivated wrote: »

Not sure if this is a sneaky trick by Halifax but I have 3 reward accounts and each has at least 2 DD's already set up. However, I set up a third DD on one of them for a new credit card in March, with first payment due to be made 20th April. Despite the CC company sending a letter to say it was all set up, the DD never appeared on my online banking until 19th April. It made me wonder if they have been stalling on setting these up fully so people miss the deadline...:think:

They are not normally listed until the first payment has been taken.

YorkshireBoy

aliasojo wrote: »

I have letters about the changes and also screen shots taken from when I logged in online and read info about the changes.

Not once was the 14th ever mentioned.

The 14th was mentioned in each of the 4 letters I received about my accounts.

Why would your letters be different?

aliasojo

YorkshireBoy wrote: »

The 14th was mentioned in each of the 4 letters I received about my accounts.

Why would your letters be different?

I have no idea. My OH got 3 too (we have 3 reward each and 1 joint current) his letters were identical to mine.

YorkshireBoy

aliasojo wrote: »

I have no idea. My OH got 3 too (we have 3 reward each and 1 joint current) his letters were identical to mine.

There were reference numbers on the letters. Mine were 2 & 5 (from memory...but could have been 5 & 6). One of my accounts already received my salary by BACS Direct Credit and paid more than enough DDs (the aforementioned 2 maybe?). The other 3 accounts were just being (ab)used for the free fivers (and so had the 5 reference).

But I'm 99.99% certain they all made reference to the 14th, so I'm at a loss as to why yours didn't.

SnowTiger

noh wrote: »

They are not normally listed until the first payment has been taken.

The three Direct Debits I've set up are showing, but only one has made a payment.

Frogletina

My account has been downgraded also.

One thing that concerns me is that I transferred £1000 in and then transferred £900 out of the account. The £900 shows as going out first on the account which means my statement shows a large debit. Therefore had this remained a reward account I would not have got the £5 as it has not been in credit the whole of the month. This has never happened before with my transfers.

Oh well, I suppose I could cancel the account and wait 6 months and hope they still have the joining bonus. I never got one when I opened the account this time round.

Seems they are happy to lose existing customers but pay willing to pay £100 for new ones.

gt94sss2

HoneyAndLemon wrote: »

They've been telling people of these changes since at least the start of the year so I think they're covered.

Not a lawyer but did study some law once and I sincerely doubt it.

Even if I haven't been in the UK since January (so haven't seen the letters) - the only thing that counts is the change in T&C - which they also put on their website, not anything else.

As such, Halifax need to give two months individual notice to each customer they intend to downgrade and could only do this from the 1 May. As such customer's can't effectively be downgraded until July under their own T&C.

If the 14 April was a relevant date, it should have been in the new T&C - sounds like an elementary mistake from someone in Halifax

Regards
Sunil

pqrdef

gt94sss2 wrote: »

As such, Halifax need to give two months individual notice to each customer they intend to downgrade and could only do this from the 1 May.

It doesn't say the notice period couldn't start before 1 May.

Obviously the first target here is the gamers. But they aren't going to write and say "Dear Mr & Mrs Gamer, If you don't stick two Tesco DDs on each of your 9 Reward accounts pronto, we'll chop off your £540 a year." It's catch-as-catch-can with gaming.

Vladislavs

so let me clarify a few things!
Ive got my 2 DD set on my reward current account, but let say only one of my DD will be actually paid during may. Am i still getting a fiver on 1st of june?
Or those 2 DD should be paid during the month?

Gromitt

Vladislavs wrote: »

so let me clarify a few things!

T&Cs: http://www.halifax.co.uk/bankaccounts/pdf/130501-bank-account-changes.pdf

Basically: You'll get the £5 if you pay in £750 or more each calendar month and have a minimum of two different direct debit mandates paid from your Reward Current Account each calendar month and have not had a debit balance (planned or unplanned) by the end of any day during the calendar month