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Is anyone else absolutely SICK of Halifax and their Student Account service?!
I've been messed around so much with Halifax recentely when trying to open my student account.
Firstly, I went into my local branch about 3 weeks ago and tried to open the account. I took with me my Uni offer letter, my accepted students undergraduate pack with official letters and everything to open a student account. They said they couldn't open an account for me because they needed a UCAS letter and the official letter from my Uni was not acceptable. So I left.
I went back the next week with every single uni related document I had in my possession and tried to open an account then. I gave them my Ucas letter they wanted and they said they did not accept the Ucas letter, so I gave them the original Uni letters I brought with me and they said they were fine. My account was opened and I was asked to deposit £100 in my account to activate it so I did. After my credit check I got a £200 overdraft facility.
Once my account was activated I checked it on the net and it just said Halifax Current Account so I phoned them to confirm it was a student account and they said it wasn't. It took me half an hour to convince them over the phone I had indeed opened a student account and they said that they will contact my branch.
After a few days I got a call from my branch saying that they had made a mistake and will convert my account into a student account.
After it had been converted I saw online that my overdraft was still £200. I phoned them again asking why my overdraft limit had not been changed and why it is advertised online that I can get an overdraft of up to £2750.
The woman on the phone said, no thats only in your third year of study, in your first year you can only get £1500. I told her I was on the halifax website and staring at the page where it says I can get £2750 in my first year and she said oh... well it still says "up to." She said my overdraft cannot increase more than £200 for 6months!
Does anyone else have a stupidly low overdraft limit with Halifax and had problems with their service? Their main tagline in their promotion of the student account is that they give more overdraft than anyone else... errr... I'm pretty sure if I went anywhere else they would give me more than £200!
Firstly, I went into my local branch about 3 weeks ago and tried to open the account. I took with me my Uni offer letter, my accepted students undergraduate pack with official letters and everything to open a student account. They said they couldn't open an account for me because they needed a UCAS letter and the official letter from my Uni was not acceptable. So I left.
I went back the next week with every single uni related document I had in my possession and tried to open an account then. I gave them my Ucas letter they wanted and they said they did not accept the Ucas letter, so I gave them the original Uni letters I brought with me and they said they were fine. My account was opened and I was asked to deposit £100 in my account to activate it so I did. After my credit check I got a £200 overdraft facility.
Once my account was activated I checked it on the net and it just said Halifax Current Account so I phoned them to confirm it was a student account and they said it wasn't. It took me half an hour to convince them over the phone I had indeed opened a student account and they said that they will contact my branch.
After a few days I got a call from my branch saying that they had made a mistake and will convert my account into a student account.
After it had been converted I saw online that my overdraft was still £200. I phoned them again asking why my overdraft limit had not been changed and why it is advertised online that I can get an overdraft of up to £2750.
The woman on the phone said, no thats only in your third year of study, in your first year you can only get £1500. I told her I was on the halifax website and staring at the page where it says I can get £2750 in my first year and she said oh... well it still says "up to." She said my overdraft cannot increase more than £200 for 6months!
Does anyone else have a stupidly low overdraft limit with Halifax and had problems with their service? Their main tagline in their promotion of the student account is that they give more overdraft than anyone else... errr... I'm pretty sure if I went anywhere else they would give me more than £200!
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I tried to open a bank with Halifax, but they refused me because i had no credit rating, and basically because i wasn't in debt. Plus when i went in to apply for it, the service was abysmal, they were so rude. This guy took me into a tiny room out back, phoned up another branch, handed me the phone and pissed off. I never saw him again. I was left totally on my own. Its put me off banking with Halifax for life.
I decided i'd make a complaint and phoned halifax customer relations.
I told them about what had happened and they bumped up the overdraft to £1000 within about 5mins.... which is STILL less than other banks.
I think I may go on a student account opening spree tomorrow and just keep the account which gives me the biggest overdraft because i'm sick of all this hassle..
I told them about what had happened and they bumped up the overdraft to £1000 within about 5mins.... which is STILL less than other banks.
I think I may go on a student account opening spree tomorrow and just keep the account which gives me the biggest overdraft because i'm sick of all this hassle..
01422 380880
That's the free phone number I use from www.saynoto0870.com
I'm not paying Halifax's extortionate phone call charges just because they're incompetent.
Yeh just ask for customer relations because when you call you reach the HBOS switchboard
When you get there just sound really pissed off and tell them what happened and that you want to switch accounts to another bank
It's worked twice for me
Good luck and report back!
That's the free phone number I use from www.saynoto0870.com
I'm not paying Halifax's extortionate phone call charges just because they're incompetent.
Yeh just ask for customer relations because when you call you reach the HBOS switchboard
When you get there just sound really pissed off and tell them what happened and that you want to switch accounts to another bank
It's worked twice for me
Good luck and report back!
I went to Halifax to open a student account and I only talked to the accountant for around 20 minutes and I got my student account set, then I had to wait for my Halifax account card to be posted to me. I was asked which uni I'm in but not asked to provide any proof whatsoever. I think they treat customers differently, lol. I looked young so they automatically believed I'm a student without needing proof.
haha what a bunch of crap they're telling you!
I suggest you just call customer relations saying you want to make a complaint and see what happens; they seem to be clued up on how to deal with these things properly.
I suggest you just call customer relations saying you want to make a complaint and see what happens; they seem to be clued up on how to deal with these things properly.
devilsthorn
I went to Halifax to open a student account and I only talked to the accountant for around 20 minutes and I got my student account set, then I had to wait for my Halifax account card to be posted to me. I was asked which uni I'm in but not asked to provide any proof whatsoever. I think they treat customers differently, lol. I looked young so they automatically believed I'm a student without needing proof.
Lol show off!
I would laugh if you get a letter through in the next few weeks asking for your student details
I phoned them up (on their published 0845 number) to increase my overdraft the day after opening the account (I think they can only authorise £500 in the branch), and they increased my overdraft immediately to £1000, which they said was the limit they could do there and then.
They then put in a request for the full £2750 to the student overdraft department.
Natwest wouldn't give me a student overdraft until September, and then only the branch could do it.
Oh, and I agree that Halifax can be somewhat unhelpful and rude, I think it just depends who u get.
Natwest can also be rather unhelpful and rude. If I didn't have to deal with banks I wouldn't! They're all evil!!
They then put in a request for the full £2750 to the student overdraft department.
Natwest wouldn't give me a student overdraft until September, and then only the branch could do it.
Oh, and I agree that Halifax can be somewhat unhelpful and rude, I think it just depends who u get.
Natwest can also be rather unhelpful and rude. If I didn't have to deal with banks I wouldn't! They're all evil!!
My Halifax branch said they'll only give me a overdraft once I get my first payment in from the SAAS.
mrcrazy04
I phoned them up (on their published 0845 number) to increase my overdraft the day after opening the account (I think they can only authorise £500 in the branch), and they increased my overdraft immediately to £1000, which they said was the limit they could do there and then.
They then put in a request for the full £2750 to the student overdraft department.
They then put in a request for the full £2750 to the student overdraft department.
Yeah that's what i've done.
I already had a joint account with HBOS and so got a £500 overdraft. As soon as i get my card i'm phoning up to extend my overdraft to £1000. Might even do that tomorrow.
hsb pissed me off the most, my loan was late which was my fault i went to uni with no money but the uni then helped me. i went to hsbc they were fine the letters came all i had to do was sign it this was all done by September cause i knew my loan was late. so come September 21 ( i applied for this in july, confirmed it the next day after my uni accepted me) so i am at my local branch queue veeeeerrrrry long, the women goes
" hi, how can i help you"
"i here to for my students account and would like to confirm i am a student"
" oh wait i will get someone else to help"
"ok"
man " Hi how can i help you"
me "i here to for my students account and would like to confirm i am a student"
Man " okay i will photocopy this and will send it off now, we don't deal with this but it should be sorted within 3-5 days"
me "okay"
i go off home a few days left till i leave for uni and i have no money to buy uni stuff or live off anything but my mother helped me a bit but just for the week. so i call them the day before uni. on the phone a women for india is telling me that i haven't been to confirm my status and it is incomplete, right now am fuming and this women cant help me, so i go into my local branch once again they tell me i haven't done it and they dont deal with it all they can do is photocopy it or i apply in the area am moving into. by now am nearly in tears as i have no money its not they're fault but i applied again and done everything in time so i could have something. so i do it in my new area same bull**** i didn't get my overdraft till January, my loan hadnt come through cause i had some problems with it not they're fault but they proper ****ed me around. just needed to let that out. not a great way to start uni, i had like 30 quid to my name and friends helps and uni help but i hate hsbc.
" hi, how can i help you"
"i here to for my students account and would like to confirm i am a student"
" oh wait i will get someone else to help"
"ok"
man " Hi how can i help you"
me "i here to for my students account and would like to confirm i am a student"
Man " okay i will photocopy this and will send it off now, we don't deal with this but it should be sorted within 3-5 days"
me "okay"
i go off home a few days left till i leave for uni and i have no money to buy uni stuff or live off anything but my mother helped me a bit but just for the week. so i call them the day before uni. on the phone a women for india is telling me that i haven't been to confirm my status and it is incomplete, right now am fuming and this women cant help me, so i go into my local branch once again they tell me i haven't done it and they dont deal with it all they can do is photocopy it or i apply in the area am moving into. by now am nearly in tears as i have no money its not they're fault but i applied again and done everything in time so i could have something. so i do it in my new area same bull**** i didn't get my overdraft till January, my loan hadnt come through cause i had some problems with it not they're fault but they proper ****ed me around. just needed to let that out. not a great way to start uni, i had like 30 quid to my name and friends helps and uni help but i hate hsbc.
i know this topic is a week old but i#m in the same predicament.i applied for loans late because i'm a dumbass but apparantly people don't get maintenence loan until after you have to pay your first rent installment,what a crock of ass! anyway i thought with 2,750quid overdraft i'd be safe but i checked today and i had a measly 500quid overdraft. i rang up and told them i only applied to halifax because of the 2,750quid overdraft and the woman on the phone up'd it to 1000 but i have to wait 48 hours for somebody to ring me wether they will up it to the full amount or what.
its really annoying,my first rent thingy is well over 1000, and i'm self catered and i have to buy loads of stuff like everybody else.its like i have to work so hard and stress out about a milllion things to do with uni so i can enjoy the luxery of being a bajillion quid in debt.
its really annoying,my first rent thingy is well over 1000, and i'm self catered and i have to buy loads of stuff like everybody else.its like i have to work so hard and stress out about a milllion things to do with uni so i can enjoy the luxery of being a bajillion quid in debt.
Im with HBOS (Halifax, Bank of Scotland) and I have never had such brilliant service. I walked in, asked for an account transfer. Signed two forms and all my Direct Debits etc. moved themselves over. I then went in with just a student card and asked for it to be made a student account and it was done straight away. Overdraft limit is at £500
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