#FAIL

[bellinghman]

Dear HBOS

Thank you for sending me the updated terms and conditions for my Halifax Current Account last Friday.

And thank you for sending me the updated terms and conditions for my Halifax Savings Accounts yesterday.

I am particularly taken by the thoughtful way you attempt to mitigate the impact of the production of the leaflets by putting prominent signs urging people to recycle them.

However ...

Perhaps you didn't need to send me a copy for each of the accounts I have? You might like to tell your programming bods about the DISTINCT keyword in SQL. That way, you'd have sent me only one copy of the applicable savings account leaflets, you'd have saved an extraneous 360 grammes of printed material, and I'd have saved the time carefully looking for any differences before coming to the conclusion that in all of this, I had only two different sets of leaflets.

Till next time

Me

Comments

[bellinghman.livejournal.com]

Yes.

On Friday, one set for Current Accounts.

On Monday, four sets for Savings Accounts. Each account getting (in a separate envelope) a letter (unique in that it lists one account number), one leaflet of full terms and conditions, and a smaller leaflet of 'what the changes are'.

It took a bit of checking to assure myself that they were all the same leaflet pair, as it wasn't the same as the current account ones. But there is, on the back cover of each leaflet, a box with large letters, with a code in. That code was the same for all 4 savings accounts, and different for the current account.

But the savings accounts are cookie-cutter equivalents of each other, so getting different T&Cs for them would have been really odd.

[alexmc.livejournal.com]

I'm not a fan of companies coming up with their own terms and conditions. I would prefer it if a company like Which (or ISO, or whoever does British Standards - the BSI?) came up with these. That way companies like your bank could say "we use standard number BLAH, which can be read at BLAHADDRESS,"

Are you really going to read your T&C?

[bellinghman.livejournal.com]

I'll be looking for weasel words along the 'sneeze in our branch and we'll charge you £2,000 to send you a letter' type of stuff.

[alexmc.livejournal.com]

Do you remember the games company who put in at the bottom of their T&C "By agreeing to this then we purchase your soul"

and then highlighted the clause afterwards when no one complained.

[bellinghman.livejournal.com]

Tee hee

(Quite how they expect to collect is another problem.)

[bellinghman.livejournal.com]

I'm also of the understanding that, at least within this jurisdiction, courts will rule unreasonable T&C clauses as inapplicable. I think this would count. So a savvy person may have seen the clause and rightly dismissed it as unworkable.