Halifax is one of the oldest banks in the United Kingdom. It first came into being as Halifax Building Society in 1853 but has since grown to become a well-known name in the country. Currently, Halifax Bank’s parent company is the Lloyds Banking Group which holds it via its wholly owned subsidiary, Bank of Scotland.
While a fairly popular and respected name, the size of Halifax Bank’s customer base often results in customers developing complaints against their systems, services, or even employees. If you are an individual who has been using some product or service from Halifax Bank and have some Halifax complaints then you are most probably wondering what you can do next. Consider the following.
What Kind Of Halifax Complaints Can You Have?
You can essentially have any number of complaints with Halifax, depending upon which of its services or products you are using. Your complaints could also range from something basic and mundane to something much more troublesome and frustrating. Here is a list of some of the common complaints that Halifax Bank receives off and on.
- Problem with bank accounts: Customers have reported various types of Halifax complaints pertaining to bank accounts ranging from something as severe as discrepancies in bank account balance to something as trivial as new accounts taking too long to become active. Sometimes, ATM related problems can also arise.
- Issues with credit cards: Credit cards remain one of the most complained about products or services in most countries in the world and the same is true in the case of the United Kingdom and Halifax Bank. Such issues can range from hidden fees and charges to the need to block the cards.
- Investment related concerns: Halifax, like many other banks, offers numerous investment instruments for its customers to benefit from. However, problems can arise with the handling of these instruments as well which can directly lead to complaints.
- Loans and mortgage discrepancies: Because a lot of money is involved with products like loans and mortgages, customers often panic when some discrepancies arise in balances and repayment schedules. Thus, complaints about loans or similar borrowing instruments are not uncommon with Halifax.
- Payment Protection Insurance complaints: The majority of complaints pertaining to Payment Protection Insurance policies relate to how the policy was sold or claims resulting from it.
- Poor customer service: While the customer service department of Halifax may not be considered the best in the country, it is still accomplished in dealing with all the Halifax complaints it gets. Still, some customers may take slight at something said in the wrong tone or manner. This can also cause complaints.
How to Make Halifax Complaints?
As is the case with all financial service providers in the country, Halifax Bank also has a detailed customer service department that deals with all the complaints that come in from their customers. In fact, Halifax Bank offers four different ways for you to get your complaints through to the right people for consideration. Once your complaint is received, the support team of this bank moves into action in a bid to figure out whether the complaint is genuine or not and how to go about resolving it. Here are the four ways through which you can reach the bank with your Halifax complaints.
- Personal meeting: The best method of complaining to a bank is to go to a branch and file your complaint personally. While they may need to take your complaints to the headquarters or even their technical teams, you would at least have the satisfaction of talking to someone in person and making your plight clear.
- Telephoning: If you are short on time then you can always call the Halifax contact number and get your Halifax complaints through via the phone. This method is swift and efficient but it will result in you not having documentation of what was talked about on the phone.
- Online form: Halifax Bank also provides an online complaint form on its website where you can complain and provide all the details properly. The benefit of using this method is that you would not have to worry about email addresses and can just fill out the relevant information on their website.
- Posting complaints: Finally, you also have the option of posting your complaints to the bank in the form of a complaints letter. This is the slowest method to complain but it does give you the safety net of having things documented as soon as you receive a response from the bank.
How Will Your Halifax Complaints Be Handled?
Halifax is bound by the same code that other financial service providers have to adhere to in the country. These codes are very much in the favour of the end user and are designed to protect. In addition, a brand such as Halifax relies on have a good reputation amongst its target audience. This would be impossible for the bank unless it was willing and capable or resolving the complaints that its customers bring to its attention. What this means is that if you take your Halifax complaints to the bank then you can expect swift and professional action on them.
What Methods Can Be Used To Escalate Halifax Complaints?
You can only escalate your complaints in two conditions. The first is that the bank has given you a final response regarding your complaint and the other is that eight weeks have passed without any resolution. If either of these conditions is met then you can approach the Financial Ombudsman Service in the country. The job of the Financial Ombudsman Service is to resolve disputes and discrepancies between financial service providers in the country and their customers.
The ombudsman goes about resolving such complaints in a neutral and objective manner endeavouring to arrive at a fair and legal resolution. The decisions of the ombudsman regarding your complaints are not binding on you but if you accept them then they are binding on the bank. Therefore, you will always have the option of taking your Halifax complaints to court.