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Phillipa
Veteran Investor
Joined: 05 Feb 2005
Posts: 419
Cash Points ££ 3383.78
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 Posted: Thu Apr 21, 2005 4:43 am Post subject: Halifax to force Self-Service on Cardcash & Easycash cus |
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From 1st of May 2005, Halifax Cardcash and Easycash account holders will not be allowed to use the branch counter to make deposits.
Instead customers will have to use the Self-Service 'Express' Pay-In letterboxes (in some branches only) or you will be have to use their 'Intelligent' Deposit machines.
Halifax says: "You'll be able to take money out of your account in the same number of days as paying it in over the counter. You can also continue to use most of our cash machines to make deposits".
Personally, being a halifax customer, I already use the deposit envelopes which are at times more conveient than the qeues |
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Neo
Saving Enthusiast
Joined: 24 Oct 2004
Posts: 147
Cash Points ££ 595.04
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| Posted: Sat Apr 23, 2005 12:17 pm Post subject: |
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| I also use the envelopes occasionaly, most of the time I use the cash machines to make deposits. Not a problem and much more convienient than queing up, |
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birdie
Newbie
Joined: 04 Apr 2005
Posts: 15
Cash Points ££ 197.56
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| Posted: Mon Apr 25, 2005 7:52 pm Post subject: |
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I wonder how much longer cheques will take to clear as against over the counter deposits ?  |
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Neo
Saving Enthusiast
Joined: 24 Oct 2004
Posts: 147
Cash Points ££ 595.04
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| Posted: Sat Apr 30, 2005 10:59 am Post subject: |
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| birdie wrote: | | I wonder how much longer cheques will take to clear as against over the counter deposits ? |
Yeh halifax have been 'picking' on their cardcash customers for a while, it takes a lot longer for a cheque to clear for them than 'ordinary' customers ! |
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Shezz
Beginning Saver
Joined: 08 Mar 2005
Posts: 45
Cash Points ££ 348.80
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| Posted: Sun May 01, 2005 2:47 pm Post subject: |
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| Deemy wrote: | | birdie wrote: | | I wonder how much longer cheques will take to clear as against over the counter deposits ? |
Yeh halifax have been 'picking' on their cardcash customers for a while, it takes a lot longer for a cheque to clear for them than 'ordinary' customers ! |
I can vouch for that up until about 6 months ago I was a card cash customer and it would take upwards of 12 days to clear a cheque !!!! |
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Fanthony
Stranger
Joined: 13 Oct 2005
Posts: 2
Cash Points ££ 15.00
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| Posted: Thu Oct 13, 2005 8:44 am Post subject: Halifax 2nd class citizens |
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Posting the cheque in the box is sometimes convenient but I deeply resent Halifax's mistreatment of me as a customer. There is a serious issue of freedom of choice here. Of course, all banks will say "change your bank if you don't like it" but for people on low incomes this choice often doesn't exist. For instance, I lack a passport or driving license, having neither money for foreign holidays or a car, and this makes it very difficult - actually impossible really - to open a new account. Ludicrously, in order to get either of these (apart from learning to drive!) I would only have to present my existing ID - so why don't the banks take this?
The fact is, no citizen these days can afford to be without a bank account, since there is enormous pressure to accept electronic cash transfer, even if one is unemployed - it's yet another aspect of society in which we do not have a choice. Personally, as a person on a low income, I feel kicked about by banks in general and Halifax in particular. One of the most annoying things is that the virtually useless Electron card is not accepted at train stations! Halifax now say they have stopped using this card but they could only offer me an even more useless card that can only be used in machines! |
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cardjunkie
Professional Investor
Joined: 24 Jul 2004
Posts: 311
Cash Points ££ 2248.20
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| Posted: Sun Oct 23, 2005 5:00 am Post subject: Re: Halifax 2nd class citizens |
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| Fanthony wrote: | Posting the cheque in the box is sometimes convenient but I deeply resent Halifax's mistreatment of me as a customer. There is a serious issue of freedom of choice here. Of course, all banks will say "change your bank if you don't like it" but for people on low incomes this choice often doesn't exist. For instance, I lack a passport or driving license, having neither money for foreign holidays or a car, and this makes it very difficult - actually impossible really - to open a new account. Ludicrously, in order to get either of these (apart from learning to drive!) I would only have to present my existing ID - so why don't the banks take this?
The fact is, no citizen these days can afford to be without a bank account, since there is enormous pressure to accept electronic cash transfer, even if one is unemployed - it's yet another aspect of society in which we do not have a choice. Personally, as a person on a low income, I feel kicked about by banks in general and Halifax in particular. One of the most annoying things is that the virtually useless Electron card is not accepted at train stations! Halifax now say they have stopped using this card but they could only offer me an even more useless card that can only be used in machines! |
Halifax is makign so much profit these days - they should continue to allow people to use the counters regardless of how much they earn... its not right that they are discriminating against people who don't earn much or are on benefits ! |
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Fanthony
Stranger
Joined: 13 Oct 2005
Posts: 2
Cash Points ££ 15.00
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| Posted: Sun Oct 23, 2005 9:23 am Post subject: Customer revolt |
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I'd actually like to see (lead?) a customer revolt on this issue. I'm livid about it. I have to wait ten days for a cheque to clear and I've been with Halifax for over 20 years.
I'd like to stage protests outside branches, leafleting customers. My partner suggests dealing with the issue by queuing for the counter every time, feigning ignorance and therefore forcing an explanation. If every Cardcash customer did this it would cost them considerable counter time. Maybe wearing a 'Halifax 2nd Class Citizen" t-shirt in the street might dent their PR a bit.
I wonder if we could persuade richer customers to change their bank in support of us. 
If anyone is interested in a co-ordinated customer protest I'd like to hear from them. |
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guest123
Stranger
Joined: 25 Oct 2005
Posts: 4
Cash Points ££ 15.00
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| Posted: Tue Oct 25, 2005 11:41 pm Post subject: Re: Customer revolt |
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This is rubbish about cheque clearance
The cheque clearance on a cardcash is 7 working days - remember weekends and bank holidays are not working days. The reason it was changed from orginal 5 days to 7 was because a queque is not effectively clear until the funds are received.
The current accounts are 4 working days, and the savings accounts, again take 7 - not 12 days i see some of you state?
I don't think they are discriminating against people one benefits - but these accounts mainly have cards - cards should not be used at the counters anyhow really should they?
and regarding id that can't be taken - most banks allow "special circumatnces" where they could possibly allow a letter from employers/solicitors ect - remember the need to take ID is rules by AML on the banks themselves to be complaint |
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Deborah
Veteran Investor
Joined: 12 Jul 2004
Posts: 418
Cash Points ££ 1730.36
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| Posted: Thu Oct 27, 2005 4:24 pm Post subject: Re: Customer revolt |
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| guest123 wrote: | This is rubbish about cheque clearance
The cheque clearance on a cardcash is 7 working days - remember weekends and bank holidays are not working days. The reason it was changed from orginal 5 days to 7 was because a queque is not effectively clear until the funds are received.
The current accounts are 4 working days, and the savings accounts, again take 7 - not 12 days i see some of you state?
I don't think they are discriminating against people one benefits - but these accounts mainly have cards - cards should not be used at the counters anyhow really should they?
and regarding id that can't be taken - most banks allow "special circumatnces" where they could possibly allow a letter from employers/solicitors ect - remember the need to take ID is rules by AML on the banks themselves to be complaint |
So a cheque deposited on friday in a card cash account would clear by ....... 12 days.... ... the card cash account is a current account but treated differntly in cheque clearance then the other halifax current account |
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guest123
Stranger
Joined: 25 Oct 2005
Posts: 4
Cash Points ££ 15.00
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| Posted: Thu Oct 27, 2005 5:36 pm Post subject: Re: Customer revolt |
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A cardcash is not a current account - it has basic account, visa electron, no interest, no overdraft facility. The halifax do not open this account to new customers anymore - it is either the current account or the Easycash - because the Banking Code wanted simplified accounts.
If paid in on a friday then yes 4 of them days are not working days (the two weekends)
but its the same with current account ( 2 of the days are not working days). |
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cardjunkie
Professional Investor
Joined: 24 Jul 2004
Posts: 311
Cash Points ££ 2248.20
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| Posted: Sun Nov 13, 2005 1:09 am Post subject: Re: Customer revolt |
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| guest123 wrote: | A cardcash is not a current account - it has basic account, visa electron, no interest, no overdraft facility. The halifax do not open this account to new customers anymore - it is either the current account or the Easycash - because the Banking Code wanted simplified accounts.
If paid in on a friday then yes 4 of them days are not working days (the two weekends)
but its the same with current account ( 2 of the days are not working days). |
In other countries it takes 1 day to clear cheques, here yuor talking about 7 working days !!! The banks are making profits by holding on to cash unnecessarily for extra days ! |
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guest123
Stranger
Joined: 25 Oct 2005
Posts: 4
Cash Points ££ 15.00
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| Posted: Tue Nov 15, 2005 6:40 pm Post subject: Re: Customer revolt |
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| But they arn't getting the money themselves are they - until its cleared. |
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cardjunkie
Professional Investor
Joined: 24 Jul 2004
Posts: 311
Cash Points ££ 2248.20
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| Posted: Wed Nov 16, 2005 8:16 pm Post subject: Re: Customer revolt |
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