does anyone know if Halifax is apart of RBS (Natwest?)

eskbanker

Deleted_User said:

Well, it's been an amazing journey of discovery through this lengthy thread. Maybe someone might soon start a thread asking:

What is 1 + 1?

and we can enjoy days debating all the alternative arithmetic and grammatical possible answers to this highly sophisticated and challenging question...ha, ha ha!

Given the way that many threads on here divide opinion into binary polarised camps, the answer is obviously 10

[Deleted User]

Deleted_User said:

Deleted_User said:

I always used to get confused with the Bank of Scotland (which owns Halifax) and is in itself owned by Lloyds banking group

AND

The Royal Bank of Scotland, which is a completely separate bank and owned by Natwest. The confusion should cease eventually as the RBS branding is becoming less and less. 

I've always found the easiest way of distinguishing them is to refer to the first one as HBOS which was formed in 2001. See this article:

https://en.wikipedia.org/wiki/HBOS#HBOS_Insurance_&_Investment_Group_Limited

HBOS was a holding company like NatWest Group and Lloyds Banking Group - none of these are banks.

Edi81

Deleted_User said:

Deleted User said:

Deleted_User said:

Deleted_User said:

I always used to get confused with the Bank of Scotland (which owns Halifax) and is in itself owned by Lloyds banking group

AND

The Royal Bank of Scotland, which is a completely separate bank and owned by Natwest. The confusion should cease eventually as the RBS branding is becoming less and less. 

I've always found the easiest way of distinguishing them is to refer to the first one as HBOS which was formed in 2001. See this article:

https://en.wikipedia.org/wiki/HBOS#HBOS_Insurance_&_Investment_Group_Limited

HBOS was a holding company like NatWest Group and Lloyds Banking Group - none of these are banks.

... and 1 + 1 = 11.

For several years I also had an account with a BANK called HBOS.

I am also a shareholder in Natwest and my stockbroker assures me it's a bank and not a department store..

Legally the account was held with Bank of Scotland plc. 

It was a branding thing - particularly in Scotland where the branches were dual branded (not sure about England). 

RG2015

Deleted_User said:

Deleted User said:

Deleted_User said:

Deleted_User said:

I always used to get confused with the Bank of Scotland (which owns Halifax) and is in itself owned by Lloyds banking group

AND

The Royal Bank of Scotland, which is a completely separate bank and owned by Natwest. The confusion should cease eventually as the RBS branding is becoming less and less. 

I've always found the easiest way of distinguishing them is to refer to the first one as HBOS which was formed in 2001. See this article:

https://en.wikipedia.org/wiki/HBOS#HBOS_Insurance_&_Investment_Group_Limited

HBOS was a holding company like NatWest Group and Lloyds Banking Group - none of these are banks.

... and 1 + 1 = 11.

For several years I also had an account with a BANK called HBOS.

I am also a shareholder in Natwest and my stockbroker assures me it's a bank and not a department store..

Did HBOS have bank accounts?

I thought that HBOS was holding company with subsidiaries like Halifax Bank and Bank of Scotland. It was these subsidiaries that offered bank accounts.

RG2015

Deleted_User said:

KRG2015 said:

Deleted_User said:

Deleted User said:

Deleted_User said:

Deleted_User said:

I always used to get confused with the Bank of Scotland (which owns Halifax) and is in itself owned by Lloyds banking group

AND

The Royal Bank of Scotland, which is a completely separate bank and owned by Natwest. The confusion should cease eventually as the RBS branding is becoming less and less. 

I've always found the easiest way of distinguishing them is to refer to the first one as HBOS which was formed in 2001. See this article:

https://en.wikipedia.org/wiki/HBOS#HBOS_Insurance_&_Investment_Group_Limited

HBOS was a holding company like NatWest Group and Lloyds Banking Group - none of these are banks.

... and 1 + 1 = 11.

For several years I also had an account with a BANK called HBOS.

I am also a shareholder in Natwest and my stockbroker assures me it's a bank and not a department store..

Did HBOS have bank accounts?

My account with HBOS was a bank account not unlike customers of Natwest today who also have a bank account protected by FSCS. So there's no need for them to panic after reading what Deleted User suggested. Natwest is a bank and not some shady gambling joint in Brixton.

Just to clarify, your bank account had a debit card and cheque book with the HBOS logo and not either the Halifax or Bank of Scotland logo.

RG2015

Deleted_User said:

RG2015 said:

Deleted_User said:

KRG2015 said:

Deleted_User said:

Deleted User said:

Deleted_User said:

Deleted_User said:

I always used to get confused with the Bank of Scotland (which owns Halifax) and is in itself owned by Lloyds banking group

AND

The Royal Bank of Scotland, which is a completely separate bank and owned by Natwest. The confusion should cease eventually as the RBS branding is becoming less and less. 

I've always found the easiest way of distinguishing them is to refer to the first one as HBOS which was formed in 2001. See this article:

https://en.wikipedia.org/wiki/HBOS#HBOS_Insurance_&_Investment_Group_Limited

HBOS was a holding company like NatWest Group and Lloyds Banking Group - none of these are banks.

... and 1 + 1 = 11.

For several years I also had an account with a BANK called HBOS.

I am also a shareholder in Natwest and my stockbroker assures me it's a bank and not a department store..

Did HBOS have bank accounts?

My account with HBOS was a bank account not unlike customers of Natwest today who also have a bank account protected by FSCS. So there's no need for them to panic after reading what Deleted User suggested. Natwest is a bank and not some shady gambling joint in Brixton.

Just to clarify, your bank account had a debit card and cheque book with the HBOS logo and not either the Halifax or Bank of Scotland logo.

My grandfather once told me about an ancient thing called a "cheque" which I've not found a use for and I don't normally use debit cards either.

Many years ago I had an account for a while with HBOS which promoted itself as a bank not unlike Natwest which also calls itself a bank. I've got better things to do with my time than argue about the minutiae of every single character in their name or description.

Thank you for you reply. It appears you have no recollection of your HBOS bank account including an HBOS branded cheque book or debit card. I do not wish to argue with anyone but merely increase my knowledge. I accept that this may include topics or details that could be regarded as minutiae.

I understand that you cannot or will not answer my question about your HBOS bank account.

However, I would still like to know, so if anyone else can confirm if HBOS offered retail bank accounts (or otherwise), I would be much obliged.

EarthBoy

Deleted_User said:

Deleted User said:

Deleted_User said:

Deleted_User said:

I always used to get confused with the Bank of Scotland (which owns Halifax) and is in itself owned by Lloyds banking group

AND

The Royal Bank of Scotland, which is a completely separate bank and owned by Natwest. The confusion should cease eventually as the RBS branding is becoming less and less. 

I've always found the easiest way of distinguishing them is to refer to the first one as HBOS which was formed in 2001. See this article:

https://en.wikipedia.org/wiki/HBOS#HBOS_Insurance_&_Investment_Group_Limited

HBOS was a holding company like NatWest Group and Lloyds Banking Group - none of these are banks.

For several years I also had an account with a BANK called HBOS.

No you did not.  Nobody has ever had an account directly with HBOS because it doesn't have a banking licence.  HBOS doesn't appear on the list of banks recognised by the Bank of England:

https://www.bankofengland.co.uk/prudential-regulation/authorisations/which-firms-does-the-pra-regulate

As others have already said, your account was most likely with Bank of Scotland, or Halifax (which used to have its own licence, but which is now part of Bank of Scotland).

Unless you're confusing it with HSBC......

RG2015

Deleted_User said:

Deleted User said:

Deleted_User said:

Deleted_User said:

I always used to get confused with the Bank of Scotland (which owns Halifax) and is in itself owned by Lloyds banking group

AND

The Royal Bank of Scotland, which is a completely separate bank and owned by Natwest. The confusion should cease eventually as the RBS branding is becoming less and less. 

I've always found the easiest way of distinguishing them is to refer to the first one as HBOS which was formed in 2001. See this article:

https://en.wikipedia.org/wiki/HBOS#HBOS_Insurance_&_Investment_Group_Limited

HBOS was a holding company like NatWest Group and Lloyds Banking Group - none of these are banks.

... and 1 + 1 = 11.

For several years I also had an account with a BANK called HBOS.

I am also a shareholder in Natwest and my stockbroker assures me it's a bank and not a department store..

It appears as though you misremembered and your account was with either Bank of Scotland or Halifax.

Some people on this forum can be adversarial. I hope I am not one of them, although this is subjective.

If I make a mistake I admit it and if necessary I apologise.

If you have made a mistake here, the honourable thing to do is to acknowledge it. 

[Deleted User]

HBOS still exists  - so no need to guess 

This wikipedia entry -  provides some background info that might help put it into context

Thrugelmir

Lloyds Bank Group operates under the following brand names (i.e. individual operating companies)

Lloyds Bank
Halifax
Bank of Scotland
Scottish Widows
MBNA
Schroders Personal Wealth
Birmingham Midshires
Lex Autolease
Blackhorse
LDC
AMC
IWeb