Anyone changed over to Halifax (£100 offer) - Corsa Sport - for Vauxhall and Opel Corsa B, Corsa C and Corsa D

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Kippers

Member

Registered: 27th Dec 10
Location: By the sea, Kent Drives: A nee naw
User status: Offline

11th Sep 13 at 18:22

Anyone done this?

Im with RBS and to be honest they are shite.

Thinking of changing over but are Halifax any good or are there catches to it?

Thanks

Kyle T

Premium Member

Registered: 11th Sep 04
Location: Selby, North Yorkshire
User status: Offline

11th Sep 13 at 18:22

I changed to Santander recently from Halifax. Both banks are as "ok" as each other but for the love of god don't change your current account, it's a fucking nightmare

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Kippers

Member

Registered: 27th Dec 10
Location: By the sea, Kent Drives: A nee naw
User status: Offline

11th Sep 13 at 18:30

Thats what i was worried about!

Worried about all my direct debits and shit.

Ben G

Member

Registered: 12th Jan 07
Location: Essex
User status: Offline

11th Sep 13 at 18:36

Changed from natwest (part of rbs) to halifax in 2010 so I could get a mortgage. They did the 100 quid offer back then too.

No problems from what I can remember. They sort everything out.

Stu_22

Member

Registered: 25th Mar 02
Location: Luton
User status: Offline

11th Sep 13 at 19:22

Nationwide 5% is good if you have a spare cash

VegasPhil

Premium Member

Registered: 16th Jan 05
Location: Fareham, Hants Drives: Octavia VRS
User status: Online

11th Sep 13 at 19:35

Halifax are decent. I have been with them for banking, mortgage, loan, credit card, insurances etc. very good overall. Good call centres, open Saturday. Their Switching service is apparently very good.

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MarkM

Member

Registered: 11th Apr 01
Location: Liverpool
User status: Offline

11th Sep 13 at 21:00

Do Halifax still charge £1 a day for being even £0.01 into your arranged overdraft?

Cavey

Member

Registered: 11th Nov 02
Location: Derby
User status: Offline

11th Sep 13 at 21:05

quote:
Originally posted by MarkM
Do Halifax still charge £1 a day for being even £0.01 into your arranged overdraft?

Depends on how big your overdraft is, and what account, the ultimate reward account is £15 a month, you get quite a few benefits, as well as £300 fee-free overdraft, but over that you get charged £1 a day, yeah.

Just changed the missus over online to Halifax, to get the £100 you have to use their changing service who apparently move over everything from your previous account.

Not sure you can do it from RBS though as their HBOS, so essentially the same company?

VegasPhil

Premium Member

Registered: 16th Jan 05
Location: Fareham, Hants Drives: Octavia VRS
User status: Online

11th Sep 13 at 21:06

Rbs isn't hbos.

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Cavey

Member

Registered: 11th Nov 02
Location: Derby
User status: Offline

11th Sep 13 at 21:09

quote:
Originally posted by VegasPhil
Rbs isn't hbos.

Is it not? Thought it was Halifax bank of scotland? Is that not RBS?

4. Existing Bank of Scotland current account customers are not eligible for the offer.

That's not RBS?

John

Member

Registered: 30th Jun 03
User status: Offline

11th Sep 13 at 21:11

Bank of Scotland and RBS are different.

Hammer

Member

Registered: 11th Feb 04
User status: Offline

11th Sep 13 at 21:23

What's shite about RBS out of interest?

John

Member

Registered: 30th Jun 03
User status: Offline

11th Sep 13 at 21:30

I'm just moving back to RBS after I done a 100 switch deal to Santander years ago. Wages and stuff still get paid into RBS and got fed up moving it about every month.

Never had a problem with them.

MarkM

Member

Registered: 11th Apr 01
Location: Liverpool
User status: Offline

11th Sep 13 at 21:52

quote:
Originally posted by Cavey

quote:
Originally posted by MarkM
Do Halifax still charge £1 a day for being even £0.01 into your arranged overdraft?

Depends on how big your overdraft is, and what account, the ultimate reward account is £15 a month, you get quite a few benefits, as well as £300 fee-free overdraft, but over that you get charged £1 a day, yeah.

Just changed the missus over online to Halifax, to get the £100 you have to use their changing service who apparently move over everything from your previous account.

Not sure you can do it from RBS though as their HBOS, so essentially the same company?

So unless you pay £15 a month you do pay £1 a day for being in an overdraft?

James

Member

Registered: 1st Jun 02
Location: Surrey
User status: Offline

12th Sep 13 at 08:33

I'm with Natwest (RBS), never had a problem with them.

Can always get through to a UK call centre very quickly if required. Good online banking and iPhone/iPad apps.

I've considered changing before, but I don't the benefits justify the hassle involved.

[Edited on 12-09-2013 by James]

James

Member

Registered: 1st Jun 02
Location: Surrey
User status: Offline

12th Sep 13 at 08:35

quote:
Originally posted by MarkM
Do Halifax still charge £1 a day for being even £0.01 into your arranged overdraft?

Surely they can't do that. Maybe for an un-arranged overdraft, but if it's arranged then surely you just get charge the extortionate interest rate associated with the overdraft?

Stu_22

Member

Registered: 25th Mar 02
Location: Luton
User status: Offline

12th Sep 13 at 09:34

quote:
Originally posted by James

I've considered changing before, but I don't the benefits justify the hassle involved.

[Edited on 12-09-2013 by James]

Not much hassle when I switched to Nationwide the only hassle was going to to the branch to prove address and stuff the rest they did. Plus you get £100 if its not done in a week.

when I did apply on line the page just froze at the end and there was no conformation email so I ended up with three accounts. The third they said to them longer than a week to swich(even though there wasnt anything to switch) so they gave me £100. Which was nice

If more people switched there maybe more offers out there

Hammer

Member

Registered: 11th Feb 04
User status: Offline

12th Sep 13 at 09:47

quote:
Originally posted by James
Can always get through to a UK call centre very quickly if required. Good online banking and iPhone/iPad apps

This is why I like them. Missus just changed all of her accounts to RBS as well as they are far easier to deal with.

I have to use; Clydesdale, Santander and Lloyds through work and RBS have by far the better online and App services.

Jamie Walby

Member

Registered: 15th Nov 04
User status: Offline

12th Sep 13 at 10:29

quote:
Originally posted by Kyle T
I changed to Santander recently from Halifax. Both banks are as "ok" as each other but for the love of god don't change your current account, it's a fucking nightmare

I changed to Santander from Halifax, including current account, and was no issues at all. Transferred all my direct debits and apart from having a different debit card it was like i had never changed banks. Perfect.

A2H GO

Member

Registered: 14th Sep 04
Location: Stoke
User status: Offline

12th Sep 13 at 12:13

I always consider switching but then I think about credit applications asking how long you've been with your bank and having to say months instead of 12 years and think nah.

Kyle T

Premium Member

Registered: 11th Sep 04
Location: Selby, North Yorkshire
User status: Offline

12th Sep 13 at 12:31

quote:
Originally posted by Jamie Walby

quote:
Originally posted by Kyle T
I changed to Santander recently from Halifax. Both banks are as "ok" as each other but for the love of god don't change your current account, it's a fucking nightmare

I changed to Santander from Halifax, including current account, and was no issues at all. Transferred all my direct debits and apart from having a different debit card it was like i had never changed banks. Perfect.

The banks were fine, but changing the details on every e-commerce website and stuff like that was just a huge PITA

Direct Debits and Salary etc all got sorted without a fuss

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Ben G

Member

Registered: 12th Jan 07
Location: Essex
User status: Offline

12th Sep 13 at 16:18

Halifax overdrafts are as below:

Pay 15 quid for the ultimate reward account:

300 quid fee free overdraft. Over that its £1 a day upto a certain amount, then it's £2 a day.

Normal account is £1 a day, even if you arrange an overdraft

MarkM

Member

Registered: 11th Apr 01
Location: Liverpool
User status: Offline

12th Sep 13 at 20:02

That's steep for an arranged £300 overdraft.

Gaz

Member

Registered: 24th Aug 03
Location: Widnes, Cheshire
User status: Offline

13th Sep 13 at 20:35

We moved from them to First Direct last month. PITA for us, constant problems and there charges are ridiculous.

Andrew

Member

Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline

13th Sep 13 at 22:06

Don't have any problems with Halifax and been with them for around 15 years.

There charges are a bit on the high side but quite simple to understand. You pay £1 per day if you have and use an overdraft of a value of £2500 and £2 per day for anything over that. These are arranged costs.

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