Stung by halifax web saver reward scam. Advice?

pqrdef

Hominu wrote: »

Therefore the loss of interest is completely your fault.

I've had trouble twice with Halifax online applications. The first time, I thought I was applying for an instant-access account and I ended up with a one-withdrawal-a-year account. I have no idea how that happened - I only know the account I got wasn't the one I read the description of.

What I don't get is the willingness of the willy-wavers on here to say it's the customer's fault. Even if I'm too stupid to live, it's not my fault. There's nothing I can do about it. Mass-market businesses are supposed to protect me from my own stupidity.

Dimey

The Advertising Standards Authority might be a more appropriate recourse than County Court.

http://www.asa.org.uk/Consumers/How-to-complain.aspx

jem16

pqrdef wrote: »

I've had trouble twice with Halifax online applications. The first time, I thought I was applying for an instant-access account and I ended up with a one-withdrawal-a-year account. I have no idea how that happened - I only know the account I got wasn't the one I read the description of.

Perhaps you would be best not using online applications and going into the branch where someone can guide you through it.

What I don't get is the willingness of the willy-wavers on here to say it's the customer's fault. Even if I'm too stupid to live, it's not my fault. There's nothing I can do about it. Mass-market businesses are supposed to protect me from my own stupidity.

What a load of twaddle. There are too many people who now refuse to accept any responsibility for anything. It's always someone else's fault.

Businesses can only do so much but they cannot force people to read applications and T&Cs properly. There comes a time when everyone has to grow up and accept responsibility - that's what being an adult is all about. Mummy and Daddy can't always fix it for you.

Hominu

pqrdef wrote: »

What I don't get is the willingness of the willy-wavers on here to say it's the customer's fault. Even if I'm too stupid to live, it's not my fault. There's nothing I can do about it. Mass-market businesses are supposed to protect me from my own stupidity.

And that's exactly why we are in the nanny state that we are with the government going "You can't provide more than one tariff for your xx bills, customers might get confused" and now the "You should offer the discounts you give to people paying their bills online to the people paying by receiving paper statements and posting cheques.".

It used to be that people with more than one braincell that could be bothered to do things got more than others, but the government seems to be trying to force an equal playing field for all so you no longer need to use effort.

It seems to be coming over to banking as well, even if you spell everything out in 72pt font, customer will complain as they can't be bothered to see what they are signing up to. Banks will eventually remove all online application forms and force you to visit a branch, so they read out the T&Cs to you, then we'll get more complaints that it takes an hour to open a savings account!

Gromitt

Hominu wrote: »

"You should offer the discounts you give to people paying their bills online to the people paying by receiving paper statements and posting cheques.".

You just know they are not going to do that.

Instead they'll hike the prices for the people paying using online payments to help pay for the payment processing costs of the people who like to pay by cheque, and then argue that the difference is negligible.

BlindLeadingTheBlind

Some of the bullying I see on these boards I haven't witnessed since the school playground! Some posters ought to remind themselves of the overriding rule of this forum!

OP I hope this might be helpful to you http://www.bbc.co.uk/news/business-19511542

obviously the article is quite old but surely the principle still stands. You know you've been treated unfairly; why would anyone transfer so much money to a lower interest bearing account if they hadn't been misled into thinking it was earning a better interest!! I say get your evidence together and take them to court!

opinions4u

BlindLeadingTheBlind wrote: »

obviously the article is quite old but surely the principle still stands. You know you've been treated unfairly; why would anyone transfer so much money to a lower interest bearing account if they hadn't been misled into thinking it was earning a better interest!! I say get your evidence together and take them to court!

The answer to the bolded bit is "because the customer wanted an ATM card".

Case closed.

lippy1923

BlindLeadingTheBlind wrote: »

Some of the bullying I see on these boards I haven't witnessed since the school playground! Some posters ought to remind themselves of the overriding rule of this forum!

OP I hope this might be helpful to you http://www.bbc.co.uk/news/business-19511542

obviously the article is quite old but surely the principle still stands. You know you've been treated unfairly; why would anyone transfer so much money to a lower interest bearing account if they hadn't been misled into thinking it was earning a better interest!! I say get your evidence together and take them to court!

Great advice :rotfl:

Move on OP. Put it down to experience and learn in future to read things twice over. Halifax did not make the error.

BlindLeadingTheBlind

opinions4u wrote: »

The answer to the bolded bit is "because the customer wanted an ATM card".

Case closed.

Others have obviously been similarly misled otherwise why so many changes to the information surrounding the account?

jem16

BlindLeadingTheBlind wrote: »

Others have obviously been similarly misled otherwise why so many changes to the information surrounding the account?

To help the Blind leading the Blind.