All Basic Accounts Will Be Affected Sooner Or Later

badmemory

It was probably all in the updated t & cs the Halifax sent out for various account types (in my case several times) a couple of months ago. Unfortunately many people seem to think these are sent out to fill their recycling bins. Whilst I do not have one of these basic accounts I did notice the new exclusions in the t & cs. But then I am a little anal & tend to read at least the bits that they say are changes.

System

d123 wrote: »

I think as it’s ALL basic account holders the Halifax don’t have to publish card numbers.

Also, as we only have the OP’s (slightly sensationalised) account we don’t actually know whether Halifax sent out notice of the change,

They issue the same type of cards on some standard current accounts, that's why they specify by MPAN.

LBG should still put it in the T&Cs like RBS/NatWest do - otherwise you'd rightfully expect the card to work anywhere the logo on the card is displayed.

As for the change to T&Cs, they are on the website and normally highlight any major changes in the summary element.

veryintrigued

Mods - can you move this thread to the 'Always someone elses fault' part of the forum please?

PROLIANT

You see the problem here is "Social Justice Warriors" and their deluded views on entitlement.
The banks gave people a facility previously not available and then subsequently the users if the facility took the pesh, plain and simple so as a previous poster stated they have closed the loophole as people can't be trusted to act consciously and responsibly.
Yes mistakes can happen, an oops moment but this is far beyond that and the banks have said enough is enough - protect people from themselves!

mgdavid

badmemory wrote: »

It was probably all in the updated t & cs the Halifax sent out for various account types (in my case several times) a couple of months ago. Unfortunately many people seem to think these are sent out to fill their recycling bins. Whilst I do not have one of these basic accounts I did notice the new exclusions in the t & cs. But then I am a little anal & tend to read at least the bits that they say are changes.

that's not anal, that's just common sense...

stclair

Heng_Leng wrote: »

They issue the same type of cards on some standard current accounts, that's why they specify by MPAN.

LBG should still put it in the T&Cs like RBS/NatWest do - otherwise you'd rightfully expect the card to work anywhere the logo on the card is displayed.

As for the change to T&Cs, they are on the website and normally highlight any major changes in the summary element.

Tesco bank do this aswell advise customers of the difference between card types by identify the BINS that wont work in an offline situation.

https://yourcommunity.tescobank.com/t5/Current-Accounts/Why-do-I-have-a-different-type-of-contactless-debit-card/ta-p/668

Littlebigmoose

I support the banks to be honest. Speaking as someone who has a basic bank account and have previously gone overdrawn using p@p.

tastyhog

Maybe people should take some personal responsibility.

Why allow your petrol to get so low that you can't drive to another petrol station?

Why not keep a full 5l can in the boot if you're going to chance running on fumes?

Why not fill up when your petrol light comes on and you have 50+ miles left in the tank

tempus_fugit

tastyhog wrote: »

Maybe people should take some personal responsibility.

Why allow your petrol to get so low that you can't drive to another petrol station?

Why not keep a full 5l can in the boot if you're going to chance running on fumes?

Why not fill up when your petrol light comes on and you have 50+ miles left in the tank

Because then they'd have nothing to rant about on a forum, about how terrible the banks are against poor people, and how "there were children in the car". It seems easier nowadays to blame every problem on other people or organisations than to take responsibility for things ourselves.

Robisere

18cc wrote: »

Having cash does not help if there was a cashier available to take his cash then he could pay with his debit card the problem occurs when the cashier is closed and the only way you can pay for fuel is via pay at pump

Then I am fortunate in my choice of regular filling station, which is a very large, 24/7 multi-pump Spar/Subway/Greggs/Costa station. There are NO PaP facilities, but an outside ATM.

I also (as has been said here by another) make sure that I never allow my fuel tank to go much below 100 Miles of diesel.