📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Halifax Reward

We very clearly were told when we were advised to join the Reward scheme that it would support loan and mortgage applications. I also remember being frustrated by the mobile phone insurance excess (more than our phone value) but never did cancel.

I have decided to follow this up but I have no recollection of when we signed up. It must be around 15 years.

As I don’t know when we joined what can I do?

Thankyou.

Comments

  • brettcta
    brettcta Posts: 4,693 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    You can cancel it and move on with your life. Packaged bank account complaints have a low uphold rate at the best of times. No paperwork isn’t a barrier to complaining but banks got wise to them years ago and started sending out annual benefits statements.

    quite often packaged accounts had benefits such as preferential rates for loans. This wouldn’t be a mis-selling point as they would have offered you a lower rate but not a better chance. There’s a chance you could be getting confused with that?
    helpful tips
    it's spelt d-e-f-i-n-i-t-e-l-y
    there - 'in or at that place'
    their - 'owned by them'
    they're - 'they are'
    it's bought not brought (i just bought my chicken a suit from that new shop for £6.34)
  • Even if you could prove your allegations, your complaint will be time barred anyway - 6 years from account opening and 3 years from knowing, or when you could reasonably have known, you had cause for complaint - any of the customer account letters that they send annually trigger that and they have been doing those for at least 7-8 years if not longer (I had the old Halifax rewards account in my last job prior to 2014 and used to get them way back then
  • Moneybox
    Moneybox Posts: 194 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    I see. Thankyou both.
    I got pulled in by the constant FB posts. Will leave it with that info.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.5K Banking & Borrowing
  • 253.3K Reduce Debt & Boost Income
  • 453.9K Spending & Discounts
  • 244.5K Work, Benefits & Business
  • 599.8K Mortgages, Homes & Bills
  • 177.2K Life & Family
  • 258.1K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.