Halifax bank repeatedly declining payment

la531983

SamanthaR said:

la531983 said:

Where are you attempting to buy it from? Apple direct?

The Apple Store app on my iPhone 

Try and do it actually through their website rather than the app. Or, use another retailer like Currys PC World.

Devongardener

Do you bank online? A spend limit can be set in the app by the customer, so worth checking.

la531983

Devongardener said:

Do you bank online? A spend limit can be set in the app by the customer, so worth checking.

Looking at mine now. You can freeze online payments, but there is no option to set a limit on payments other than contactless ones.

400ixl

Given the daily limit mentioned, then this is a current account with a debit card? Or is this some savings account?

Odd that a debit card would have a daily limit that low. Maybe speak to Halifax before making the request so that they can do whatever they need to pre-approve the transaction (for the iPad you want, not a cheaper compromise).

As mentioned, having a second current account would be highly advisable, something like Starling, Monzo or other digital banking facility.

SamanthaR

la531983 said:

SamanthaR said:

la531983 said:

WillPS said:

Strikes me as bizarre advice to suggest buying something cheaper as a solution when you have enough money.

There must be more to the story that has been told. No bank would decline a payment for this reason assuming funds are there, the card is valid and the merchant is legit, they arent social workers.

They aren’t social workers, but they are adamant that there is a daily spending limit which I keep going over, though they won’t tell me what it is.

I think this bit is a load of bull tbh, Ive spent thousands in one go on my Halifax card, and I cant find anything online about a daily spending limit. Transfer limits, yes.

You need to put an official complaint in.

Thanks. I will do. TBH I bought an M1 MacBook Air and an iPhone 13 Pro both via the same source, which is also where I bought my existing iPad Pro. I’ve also bought other products there, those are just the most expensive. Nothing was ever said about any limits on any of those occasions. That’s why I can’t understand it. 

WillPS

la531983 said:

SamanthaR said:

la531983 said:

Where are you attempting to buy it from? Apple direct?

The Apple Store app on my iPhone 

Try and do it actually through their website rather than the app. Or, use another retailer like Currys PC World.

The OP should not change the legitimate merchant they wish to buy from to suit their bank's authorisation whims.

la531983

WillPS said:

la531983 said:

SamanthaR said:

la531983 said:

Where are you attempting to buy it from? Apple direct?

The Apple Store app on my iPhone 

Try and do it actually through their website rather than the app. Or, use another retailer like Currys PC World.

The OP should not change the legitimate merchant they wish to buy from to suit their bank's authorisation whims.

Of course not, its worth a try though (as is the new account suggestion) rather than a to-and-fro with Halifax that likely wont be quick.

SamanthaR

I think I am going to speak to the fraud team, just go double check that they don’t suspect fraud. If they don’t, I shall definitely be moaning. It’s my money, not theirs. Thanks.

SamanthaR

Ok, I’ve phoned the fraud team and they were very very dismissive and again just reiterated that it was over my daily limit and again refused to say what that limit is, so I’m going to complain 

Not that I suspect it will do me much good 

DullGreyGuy

New iPads are likely to launch next month/in a few weeks time. May not be the ones you want to buy but could push down the price of the older models.