Halifax Compensation?

Im not sure if they will recompense but I think they should, I have just noticed that I have gone a little overdrawn im my current account because of the site being closed these past few days, sorted it out now i'vr got access again but if I get charged I will expect some compo.from H.

John.

I have a similar problem with natwest. I can't make daily payments greater than 1000. How the f*ck am I supposed to pay my credit card bill. I shall be demanding compensation if because of this I end up paying interest on the card.

x-no-archive: yes

i think they will/should pay if any taken fraudulently- though prehaps if your finances were in better shaoe, and you didnt leave payments to the last monent, any 3rd pary charges may not have been made...

What nonsense. Halifax failed to provide its service to the OP. What the OP did or didn't do is beside the point. Probably the small print give Halifax a get out in the event of failure of their services but I am sure that if the OP pushes hard and vocally enough they will compensate him ex-gratia.

I agree, it's stupid. They should have put a notice up like Barclays did

"DON'T TELL ANYONE YOUR PASSWORD OR WHOLE MEMORABLE WORD NOT EVEN US, AND NEVER INPUT YOUR DETAILS EXCEPT ON ....[OUR SECURE SITE]".

And you had to tick a little box to acknowledge you'd read it, or it would keep popping up every time. Mind you, only people without common sense would not realise why someone would want to know the whole memorable word, when the main site only requests two letters at a time.

Marcus

Are you sure thats the case? When this happened with Barclays you were not allowed to make transfers to other *personal* accounts greater than 1,000 but IIRC this did not affect your normal payments such as to known institutions. If it really is everything its ridiculous and is just them being lazy, they could after all have a list of known 'good' recipients for payments, such as credit card cos, utilities etc.

My finances are in fantastic shape, I`ve got quite a few grand sitting in my savings accounts. Then again, I leave paying bills until the very last second and then pay them online. I have the money sitting here fine, I just choose to leave it in my account earning me interest rather than letting it earn interest for the company sending me the bill.

Think before jumping in. Just because some people might not manage their money properly, and need to wait until the last second, doesn`t mean that everyone doing so is unable to handle their finances!

When I checked they'd only prevented users from setting up new payments, not making payments to existing recipients.

If they hadn't done this and your account was affected by some scammer I'm sure you'd complain then, so can they win? Whinger.

What a presumptuous little git u r - and also completely wrong.

Like most people who understand how to manage their money, I have payment dates diarised....and the fact that I have a supposedly 24/7 online service means I pay not a day sooner (or later) than I should.

My main beef is the fact that for approx 24 hours, they were blocking access to a websaver account containing c. 40k.

I guess I'd better pull myself together in order to ensure my finances are in better shape in future.

Or, in your case, idiot.

The situation is as you describe NOW.

However, for a period of time, anyone going to the Halifax online site was greeted with a message telling them that the site was closed due to the scam.

Individuals who use the internet as their main form of banking were therefore effectively barred from access to their money.

And how come u manage to second guess WHAT my attitude to a given set of circumstances would be?

If I was dumb enough to hand over my password, etc. to a scammer, then maybe I would deserve to suffer a loss? Perhaps the Halifax action was done to protect its stupider customers?

Like yourself?

A scammer could use someone else's account to clear their credit card debt

Which would be very stupid, as it would be immediately traceable to the owner and billing address the credit card was registered to. Even if it was not, the bank would simply charge-back the payment and the credit card would still be in debt.

Marcus

All I got when I tried the site was "This page cannot be displayed" ect, Funny how the BOS site was working OK though (for BOS customers - It wouldn't let me into my Halifax a/c)

John.

But surely that argument would apply to whatever means the scammer might use to get money out of an account online. Admitidly, I don't know a lot about the details of how the banking system works, but I don't see how the scammers could ever get money out of an account in an untraceable way.

andrew

Really? Please explain how this would work.

Transfers to other accounts which are then closed, possibly which have out of date contact details. In the end, either the bank or account holder will be down some money. As opposed to credit card which will simply be credited back with no benefit to the scammer.

Marcus

Marcus

Marcus

What do you think happens when you agree to join in a scam where money is deposited into your account, for you to forward out of the country? I`ve had a few emails asking me to do this - the money comes from accounts compromised by scams like this, it goes into my account, I forward it on and then it gets charged back from me, so I end up out of pocket.

Well why do you do it then?

Sigh.... I don`t do it, I was explaining how the scams work.