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Your Halifax Reviews
Noreen Murwhel: 1/5 Stars
Halifax are treating me like a common criminal due to an incompetent Fraud team
In March I started up a new business which included purchasing a new property. That is when the problems started. I started to find that I could not make any purchases online, I called and made a complaint as it was causing me massive issues. On speaking to Customer Services I was put through to the so called Fraud team as I had received a suspicious text and did not answer. I was informed by the Fraud team that there was nothing that they could do as the issue lay with Visa Debit not the Halifax. I did not push it any further as I was too busy. The next month I then found that my current card was being refused which was highly embarrassing and gave the impression to others who I was doing business with that I was a high risk and had no cash flow which was incorrect. Again I called the Halifax and this time I was time I had made too many payments with my card and they had stopped it. However no one had contacted me to advise that there is an issue, I am not a mind reader. So I complained via an online form as this was now getting ridiculous. The response from the Halifax was to send me a standard letter from them telling me we do not uphold your complaint, we will not offer you a solution or an apology but please remember we at the Halifax are wonderful. Then it got progressively worse, I was no longer able to make BACS payments so could not pay monthly bills etc. Again I complained and again the Halifax did not nothing except send me the same letter with the same wording - exactly. I now have four of these letters which do nothing to appease the situation. So prior to going on holiday I called the Customer Services team and again I explained the whole situation to them. They then put me through to the Fraud team (again) and the response from the uncaring representative was to interrogate me and when I got fed up of being grilled on my spending habits,for example why had I spent £6 in Sainsburys or why can't you remember this or are you sure this is your final answer. I flipped and asked how much longer would this take as it had now been over 60 minutes, she snapped it will take me however long that I deem it necessary, I won't be rushed when I am trying to do my job. Now it transpired and confirmed by the customer services team that the Fraud team embargoed my account back in March but never advised me. A decision made in 10 minutes but I was not been put through hell. Also I was told that my account was been given special attention but they could not tell me why. Also I was told that the Fraud team had tried to call me LIARS - they never bothered. Due to me setting up my own business I had my personal phone with me constantly and I had no call from the Halifax. So a week ago I found that I was no longer able to transfer money between accounts, I thought it was an internet blip and as I was on holiday I would try again when I got back home. Yesterday I tried to move money between my accounts for the weekend only to find that I had the same issue. Called Customer Services again and they said they would put me through to Complaints. However it transpired that the person dealing with this complaint and who I need to point out sent me another bog standard template letter whilst I was away was out of the office. So bottom line tough there is nothing we can do now so you will have to wait. So this weekend I have NO access to my main account and the Halifax don't give a stuff. I don't have anyone who I can turn to in order to ask for help, so I have been left high and dry by an uncaring and incompetent bank who don't care about customers who have been with them for 30 yrs. The Halifax know that they have me backed into a corner and they are making my life absolute hell. So if you are thinking about the caring Halifax as your next bank don't, they HATE their customers, they seem them as a nuisance and their customer services team are useless as they care more about the bank rather than the customers which is totally wrong
Halifax has not yet responded.
Thomas Lappin: 1/5 Stars
Refund of transaction not made by me 1
I have been traveling in Thailand and logged on to my internet bank 17/08/2018 to transfer more money for my trip when I noticed a few transactions that I was not sure about one in particular for around £460 to a travel company which I did not use, when I spoke to an agent and explained the issue I got transferred to fraud to raise a case which I did and answered all of there questions. Does anyone else have access to your account or card? No I answered but I did stated who was not to say that I left my phone and or wallet on a disk, counter or elsewhere for a period of time I am only human. Would anyone you know use my card? No What type of smartphone I had? Samsung Where was I when this transaction took please? RAS Al khaimah UAE And a few more I answered the questions openly and honestly to the best of my knowledge to be then told that my case would go no further as the agent believed that there was no fraud here but I did not make the transaction. I asked to be transferred to a manager and was transferred to a complaint manager I think his name was Rob? While the other agent was on the call as well he went over the same facts but again I told him I did not make the transaction on the that date, the other agent agin spoke and said that it was the same IP address that was used to access my online banking and that she got the information from my phone being on the O2 network even after I stated I was in the UAE and that I use my UAE mobile provider Etisalat as I live there. I asked her what the IP address was and she stated it was Dubai and again I told her that I live 150 km north of Dubai and was not in Dubai on that date. I asked her how she got the name of the device used to access the site to make the transaction and again she stated the up address when infact an IP address will only tell you the type of device is mobile, laptop, tablet etc not the make and model to get that info I stated you need either a mac code or an IMEI in this case as it was a mobile. Again she stated it was on o2 when my Samsung as never been on O2 I use a different handset when I am home in the UK so the agent as either given the wrong information to the complaint manager or falsified my statement. After going back and forth and asking for the IP address so I could prove it was not my own they said the can not give that information out as they don't hold the info (if that is the case how can you state you got the info from the IP address) So while I was talking with the complaint manager he asked the other agent to get the reference number as he was closing the case while I was still talking, I then asked to speak to his manager and he refused stating he was the highest point of contact my next option was to contact the banking regulator to make the complaint against the bank which I have done.
Halifax has not yet responded.
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Scott Brown: 1/5 Stars
Having someone using my bank card I went into branch to be told they can't help. I called them to discuss over 2 days total waiting time 6 hours over 2 days!! Rude staff abrupt and I got called a liar
Halifax has not yet responded.
George Irvine: 1/5 Stars
phoned to change my address but unable to do this by phone, have to go to a branch. I have informed over 30 companies by phone of my new address and not one asked for personal branch visit. WHY WHY WHY WHY.
Halifax has not yet responded.
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Story by Robin Bowman
Home buyer’s fury as bank pulls mortgage AFTER contract-to-buy signed
A first-time home buyer has revealed how he faced having to raise over £250,000 when Halifax cancelled his mortgage offer – AFTER he had been allowed to exchange contracts!
Michael Oyelami, 25, received a mortgage confirmation letter from the bank giving him access to £204,000 allowing him to buy a new-build flat in Dartford, Kent.
A Spokesman Said has a copy of the letter from Halifax confirming the offer.
Michael then instructed his solicitor to exchange contracts on the £272,000 property, putting down a deposit of £13,595. The remaining balance would be funded by the government's Help-to-Buy scheme.
This exchange of contracts meant he was committed to completing the purchase on July 10.
But the DAY AFTER the exchange, Michael’s solicitor received an email from the Halifax saying they were withdrawing the mortgage offer.
Halifax adverts promise they will be there for customers - but they abandoned Michael weeks before he moved in to his new flat.
“I got the final offer on Friday the 24th June, and this was what I needed to exchange contracts,” said Michael, who has a full-time, £45,000-a-year job as a web content project manager.
“The letter said everything was fine. The final checks had been made by the underwriter and when I contacted them they said, as far as they were concerned, that’s the end of the process – let us know how the move goes.
“So, on the Sunday I go along to the flat to measure up for furniture, and the sales people came round and said they were sorry but they’d heard via my solicitor that the mortgage offer had been withdrawn.
“But I had been through the whole process,” added Michael, who currently lives in East Ham, London.
“They suddenly said they couldn’t 'validate' my salary; but they must have done that already to have made the offer in the first place.
“They had everything – details of my employer, bank statements showing my salary going in regularly – the same amount, every month – payslips, my P60. They had already verified it all and given me the offer, so how can they do this to me?"
Michael was told the Halifax wouldn’t reveal details of why they had withdrawn the offer, only repeating that his salary could not be ‘validated’.
“If only they would tell me so I could put it right,” he added.
Michael has now contacted A Spokesman Said with his complaint in the hope of receiving some answers from the Halifax.
“I gave them everything they asked for and if there was something wrong, why did they say it was all fine and let me go through with the sale like this? They can have details from HMRC – anything.
“I’ve looked this up since and it seems that this is very, very rare, but it does happen that they can withdraw an offer after it’s been made, even if circumstances haven’t changed.
“My solicitor agrees it is very rare, but says there’s nothing I can do. But I don’t intend to leave it there – I’m planning to take legal action. It’s not right that they can do this.”
Luckily, the developers will not hold Michael to completing on the purchase and will put the property back on the market.
Otherwise, he could have been faced with financial ruin because they could have demanded he find the balance of the purchase price by the completion date or pay a big penalty.
But Michael is unsure whether he will see his deposit again and believes he will now have a black mark against his credit rating.
He has also spent around £1,500 on fees – including around £1,100 to the Halifax for arranging the mortgage. This is only paid when the mortgage offer is made, but he’s been told he won’t get it back – because he was made an offer!
“I also gave notice to my landlord,” said Michael.
“So, I could end up with nowhere to live. I’m hoping that I will be ok and he’ll let me stay on. But this whole process has been a total nightmare.
“I would just like to be told why the bank changed their mind and for them to give me a chance to address the issue, whatever it is.”
Although rare, cases of mortgage offers being withdrawn after exchange of contracts are not unknown and have become more common since lending criteria has been tightened.
Mortgage lenders are not normally told of an exchange of contracts and a withdrawal can happen without any need for explanation.
Even so, it seems outrageous that a lender would do this at such a late stage without giving a clear reason.
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