Halifax Shared My Credit Agreement!

Remember that hilarious letter I got from British Gas a in 2023 where they messed-up my name? This is like that… but much, much worse.

Today, Ruth and JTA received a letter. It told them about an upcoming change to the agreement of their (shared, presumably) Halifax credit card.

Except… they don’t have a shared Halifax credit card. Could it be a scam? Some sort of phishing attempt, maybe, or perhaps somebody taking out a credit card in their names?

I happened to be in earshot and asked to take a look at the letter, and was surprised to discover that all of the other details – the last four digits of the card, the credit limit, etc. – all matched my Halifax credit card.

I spent a little over half an hour on the phone with Halifax, speaking to two different advisors, who couldn’t fathom what had happened or how. My credit card is not (and has never been) a joint credit card, and the only financial connection I have to Ruth and JTA is that I share a mortgage with them. My guess is that some person or computer at Halifax tried to join-the-dots from the mortgage outwards and re-assigned my credit card to them, instead?

Eventually I had to leave to run an errand, so I gave up on the phone call and raised a complaint with Halifax in writing. They’ve promised to respond within… eight weeks. Just brilliant.

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