Why Won't Halifax Let Me Spend My Money?

GingerFurball_2

People who complain about this !!!! should have an indicator added that automatically allows all transactions through.

Ironically, they'd then complain if their account ever was subject to fraud.

jamesperrett

dollydiva wrote: »

Late August they stop me buying from Currys.

They're trying to do you a favour - Currys have the absolute worst customer service and their prices are rarely competitive either. I can't understand why anyone shops there anymore.

dollydiva

jamesperrett wrote: »

They're trying to do you a favour - Currys have the absolute worst customer service and their prices are rarely competitive either. I can't understand why anyone shops there anymore.

Well, I bought a PC at a good price and as I work in Tech I don't require their customer services.

dollydiva

GingerFurball wrote: »

People who complain about this !!!! should have an indicator added that automatically allows all transactions through.

Ironically, they'd then complain if their account ever was subject to fraud.

No you're wrong. Hubby bought 2 electric guitars for a helluva lot more than a measly £300 quid and did Halifax stop either one? No, they didn't.


As I explained very clearly, this transaction was to a retailer I'd bought from previously, whom Halifax allowed the previous month to let me buy happily from (only £100 that time) and IT'S MY MONEY AT THE END OF THE DAY

Armorica

£300 is a lot of money if you have to pay out on hundreds or thousands of fraud claims.

It sounds like Halifax's systems aren't sophisticated enough to retain the retailer. Or perhaps they are sophisticated and the retailer is more prone to fraud than other sectors/brands.

It's not surprising that you were caught but your husband wasn't. Electric goods are very easy for fraudsters to on-sell and so are a common target.

brewerdave

@dollydiva - Have you got "verified by Visa/Mastercard" set up on your debit card? if so ,did you get as far as "verified by Visa/Mastercard" screen? Or did your purchase fail before that stage?

jimjames

Armorica wrote: »

£300 is a lot of money if you have to pay out on hundreds or thousands of fraud claims.

It sounds like Halifax's systems aren't sophisticated enough to retain the retailer. Or perhaps they are sophisticated and the retailer is more prone to fraud than other sectors/brands.

It's not surprising that you were caught but your husband wasn't. Electric goods are very easy for fraudsters to on-sell and so are a common target.

I wonder if curry's is particularly susceptible with click and collect? Pay online then immediately pick up without ID.

Maybe OP should move to Barclays, they seem more than happy to pay out money without any checks. They authorised £10,000 cardholder not present transaction to Indian takeaway despite it going over limit and no pin used.

GingerFurball_2

dollydiva wrote: »

No you're wrong. Hubby bought 2 electric guitars for a helluva lot more than a measly £300 quid and did Halifax stop either one? No, they didn't.


As I explained very clearly, this transaction was to a retailer I'd bought from previously, whom Halifax allowed the previous month to let me buy happily from (only £100 that time) and IT'S MY MONEY AT THE END OF THE DAY

Your husband being able to make a larger transaction is irrelevant.

eskbanker

dollydiva wrote: »

IT'S MY MONEY AT THE END OF THE DAY

You're not the first and won't be the last to use that emotive phrase in this sort of context but it doesn't really help when you've entrusted them to look after it for you within a controlled and regulated environment. If you want guaranteed completely unfettered access to your money, day and night, without it being subjected to these controls (and without access to all the associated benefits), then keep the cash under your mattress!

dollydiva

I made a Complaint via the online form and received a text message to call them (how odd why didn't they call me like it said on the form?) to discuss it. Right from the start, the Agent was on the defensive and brusque with me.

I've never experienced a situation like it. I've made a complaint but instead of placating me, I'm given a dressing down. Again, I'm constantly talked over and when I point this out and ask 'why everyone at Halifax won't let me speak' She then says 'go ahead then - speak' and proceeds TO SPEAK HERSELF AT LENGTH.:mad::mad::mad: No manners whatsoever.

I'm told the reason for the Stops - Halifax's system picks transactions at random and that 'it isn't possible for the system to recognise types of purchases'. When I point out that I work in Tech and it is perfectly possible for a system to pick up on 'types of transactions' I'm told cheekily "But you don't work for Halifax do you so you don't know our Systems". Sorry...I didn't realise they were that p*ss poor.

It was evident that along with her Call Handling Time target, she had an Agenda and wanted to swiftly move towards it. So i let her with the upshot that I was given £50 credit for the inconvenience.

Oh..and the word "Sorry" was NEVER used by the Agent at ANY point in the entire conversation.

Bye Halifax...