Questions Of Cash: Bank error was not in student's favour
Q. My student daughter closed her old Halifax bank account to open a new account with the bank in August. But Halifax accidentally cancelled the debit card on her new account instead of her old one.
The manager advised her to transfer money to her old account as an interim measure so that she could have access to cash.
Halifax's cashier then admitted that she may have also cancelled the card on the old account, but couldn't find out for two days.
Amazon and other online retailers then suspended supplies of books that were urgently needed for my daughter's university course because the cards were not valid.
It was only when we chased Halifax for her new card that it was found that no new card had been ordered by the bank's cashier.
My daughter was then charged for having gone overdrawn. DM, Scunthorpe.
A. Halifax apologises. Not only were there administrative failings, but your daughter should not have been told her old card might have been cancelled and that it would take two days to find out whether it had been - this could have been investigated immediately.
Halifax says that the bank charges related to the old account having gone overdrawn in July and were not a result of the problems with the opening of the new account.
But it has refunded the charge of £1.13 as a gesture of goodwill. As a more substantial gesture, it has also credited your daughter's account with a sum of £50.
The member of staff concerned is being referred for extra training.
Q. I began a redirection service with Royal Mail from 4 September. But two days later, it made a special delivery to the old address.
I called Royal Mail twice in the two weeks after delivery and made an online complaint. Royal Mail claimed it would collect the package from my old address and redeliver in the week beginning 18 September - but still nothing has happened. All this with an urgent package after I paid to have my mail redirected. SK, Wolverhampton.
A. Royal Mail has now collected the item and redelivered correctly. It apologises.
Questions of Cash cannot give individual advice. Please do not send original documents. Write to: Questions of Cash, The Independent, 191 Marsh Wall, London E14 9RS; email@example.com.
- 1 What, let gays get married? We must be bonkers
- 2 Rocky Horror star Tim Curry 'suffers major stroke'
- 3 Exclusive: How MI5 blackmails British Muslims
- 4 EDL marches on Newcastle as attacks on Muslims increase tenfold in the wake of Woolwich machete attack which killed Drummer Lee Rigby
- 5 Farewell, Shameless. Your heirs have work to do
BMF is the UK’s biggest and best loved outdoor fitness classes
Find out what The Independent's resident travel expert has to say about one of the most beautiful small cities in the world
Nook is donating eReaders to volunteers at high-need schools and participating in exclusive events throughout the campaign.
Get the latest on The Evening Standard's campaign to get London's children reading.
Win anything from gadgets to five-star holidays on our competitions and offers page.
Day In a Page
A modern home of almost 1,000sq ft is close to Stoke Newington's high street. £499,950
A five-bedroom bungalow in Hoveton with riverside garden and mooring dock, £550,000
A refurbished one-bedroom flat with south-facing reception and high ceilings. £579,950
A four-bedroom Grade II-listed house in Nazeing with large gardens. £550,000
A modern four-bedroom house in a converted stable within walking distance to Peckham Rye. £695,000
Three-bedroom house in a quiet residential area within close distance to Battersea Park. £450,000
A three-bedroom cottage within commuting distance of London, Norwich and Cambridge. £250,000
A two-bedroom cottage with a sun room and gardens in South Chard. £350,000.
A three-bedroom semi-detached house with original features including fireplaces and wooden flooring. £399,950
A modern two-bedroom flat split across two floors and close to several public transport links. £595,000
A one-bedroom flat with an open-plan reception/kitchen and private balcony. £315,000.
A bright two-bedroom garden flat between South Acton and Chiswick Park. £499,950.
A listed four-bedroom farmhouse with stables, set in four acres. £500,000.
A three-storey family home with four bedrooms and an extended kitchen/diner. £995,000.
A three-bedroom Hamstone cottage in the rolling Somerset countryside. £430,000.
A luxury one-bedroom apartment on the first floor of a converted Victorian house. £425,000.