Some people have been posting here about the Halifax scam. What they may not realise is that, in response to that scam, the Halifax shut down its online banking for a period of time.
That meant: if you had a websaver or similar account, you had extreme difficulty in moving money around or paying bills.
In the end, I managed to move some money out of my websaver via a special phone helpline they set up - but was only able to pay a time critical bill when the site came back up. I think I will not be penalised, but....
....if I am, should Halifax recompense. Bear in mind that their online instructions were unclear. Their branches did not fully appreciate what was happening. And those, like me, who bank mainly online, were barred from their money for a period of time.