Do I have a Hal­i­fax bank ac­count?

The Daily Telegraph - Your Money - - READERS’ LETTERS -

In April 2007 I had a let­ter from Hal­i­fax giv­ing me a user­name and say­ing I would re­ceive a tem­po­rary pass­word. For some rea­son I took no fur­ther ac­tion. I have no record of hav­ing re­ceived a pass­word, or maybe it did not work.

In Au­gust 2011 Hal­i­fax wrote to “wel­come” me back, giv­ing me a tem­po­rary pass­word.

These two let­ters got lost in my sys­tem un­til re­cently. When I found them I wrote to Hal­i­fax ask­ing the sta­tus of this ac­count but had no re­ply. I wrote again but still heard noth­ing back.

It could be that there is only a tiny sum in­volved and pos­si­bly it has sent it to me

and closed the ac­count, but I would like to know.

This lack of a re­sponse makes me won­der if some­thing strange is go­ing on. Can you please find out? PT, SOM­ER­SET

I spoke to Hal­i­fax, which ex­plained that be­fore 2011 a cus­tomer with a Hal­i­fax or Bank of Scot­land prod­uct could reg­is­ter for both Hal­i­fax or Bank of Scot­land in­ter­net bank­ing – this be­ing a legacy of the HBOS or­gan­i­sa­tion.

It be­lieves that in this case you were in­cor­rectly reg­is­tered for Hal­i­fax in­ter­net bank­ing in re­spect of a Bank of Scot­land prod­uct given the coser­vic­ing ca­pa­bil­ity.

Puz­zlingly Hal­i­fax adds that if, af­ter 13 months

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