Page 1 of 3 07 December 2023

MR V IGNAT Statement No. 3

18 MYRTLE ROAD Branch SUTTON IN ASHFIELD
SUTTON Sort Code 11-07-66
SURREY yTQUZXyQxZwVRYuRTv
Account No 12640469
SM1 4BX jhpX;GoUiohtdi:yEc
k6wuSUT5pn:zgfVK26 IBAN GB12 HLFX 1107 6612 6404 69
oE7rqw3CcyqQgCrmAC
kzZoSOuv6jtCyFfApp
zzzzzzzzzzzzzzzzzz BIC HLFXGB21U97
Banking Helpline 0345 720 3040

www.halifax.co.uk

CURRENT ACCOUNT 08 November 2023 to 07 December 2023

Your Account
Date of previous statement 07 November 2023
Balance on 08 Nov 2023 £0.41
Money in £719.42
Money out £719.72
Balance on 07 Dec 2023 £0.11
Arranged overdraft interest £0.00

Fees Explained
Other fees for special services are detailed in the Reward Payments and Account Fees leaflet, previously provided.
If switching to us, different rates and fees may apply.

Halifax is a division of Bank of Scotland plc, Registered in Scotland No. SC327000. Registered Office, The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and
regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Things you need to know
Getting in touch

J Write to us: Halifax,

PO Box 548, Leeds, LS1 1WU x Visit us in branch W Go online:
halifax.co.uk/contactus Z Call: 0345 720 3040
8am-8pm, seven days a week

Ways to manage your account About the fees we charge if you use your card abroad
Keep track of what's going in and coming out of your account at any time If you’re planning to travel overseas, we advise you to take a range of currency
using: options including foreign currency as well as your debit and credit card. To help
• Online Banking - View and manage your accounts online - 24 hours a protect you from fraud we always monitor transactions. In some circumstances
day, 7 days a week. Register at halifax.co.uk/onlinebanking this might mean we block your cash machine or card transactions in the UK or a
• Mobile Banking – Manage your account on the go with your mobile foreign country. If this happens, just call us on 0345 720 3040. We’ll ask you a
phone or tablet - 24 hours a day, 7 days a week. Download our app from few security questions and unblock your card for you.
Google Play or the App Store. If you use your card to withdraw cash or make a payment in a currency other
• Telephone Banking - Our automated service is available 24/7, or you can than pounds, the amount is converted to pounds on the day it is processed by
talk to us between 8am and 8pm, 7 days a week. Not all services are Visa using the Visa Payment Scheme exchange rate on the day. You can find the
available 24 hours a day, 7 days a week. exchange rate by calling 0345 720 3040 (+44 113 242 1984 from overseas); if you
• Text Alerts – We can also send you mobile alerts. Alerts can help you call before the transaction is processed, the rate provided will be an indication
manage your money and avoid charges. They remind you when you need only. You can find more information on our website about the exchange rates
to pay cleared funds into your account. They can also help you avoid that apply to your transaction to help you compare them with other card
going into an unarranged overdraft or having payments refused. Unless issuers' rates.
you’ve opted out, you’ll automatically receive alerts provided we have an
If you use your savings card to withdraw cash in a currency other than pounds
up to date mobile number for you. Find out more at
we’ll charge a foreign currency transaction fee of 2.99% of the value of each
halifax.co.uk/mobilealerts
transaction. This is a fee for currency conversion. If you use your savings card to
Overdrafts - choosing the right way to borrow withdraw cash in a currency other than pounds (at a cash machine) we will also
An arranged overdraft can help out when you need to borrow in the short charge a foreign currency cash fee of £1.50. Where you elect to allow the cash
term. For example to pay an unexpected bill. But if you use it often and don’t machine operator/financial service provider to make the conversion to pounds
reduce your balance, it can turn into an expensive way to borrow. Our cost we will only charge a foreign cash fee of £1.50. The provider of the foreign
calculator, which you can find online at halifax.co.uk/overdrafts tells you currency may make a separate charge for conversion. We won't charge a foreign
how much an arranged overdraft costs. You should consider if an arranged currency cash fee or a foreign cash fee if you withdraw euro within the EEA or
overdraft facility is the most suitable option for you to borrow money. If you UK.
need to borrow money for a longer time, there may be other options better If you use your debit card to withdraw cash or to make a payment in a currency
suited to your needs. For more information visit halifax.co.uk/borrow or call other than pounds we’ll charge a foreign currency transaction fee of 2.99% of
us to talk through your options. the value of each transaction. This is a fee for currency conversion. When you
Check if your account is still right for you use your debit card to make a purchase or other transaction (not cash
Your banking needs can change over time so it’s important to check your withdrawal) in a currency other than pounds, whether in person or by internet
account is still right for you by visiting halifax.co.uk/bankaccounts to see or phone, we will also charge a £0.50 foreign currency purchase fee. We won’t
our latest current accounts. charge a foreign currency purchase fee if you make a payment in euro within
the EEA or UK. If you use your debit card to withdraw cash in a currency other
Our interest rates than pounds (at a cash machine or over the counter) we will also charge a
If we pay interest on your balance, your current interest rate is shown on the foreign currency cash fee of £1.50. Where you elect to allow the cash machine
front of this statement. To find out what the interest rates are on our other operator/financial service provider to make the conversion to pounds we will
accounts, visit halifax.co.uk/bankaccounts/rates-rewards-fees or ask us in only charge a foreign cash fee of £1.50. The provider of the foreign currency may
branch. make a separate charge for conversion. We won’t charge a foreign currency
cash fee or a foreign cash fee if you withdraw euro within the EEA or UK.
jProtecting yourself from fraud With Travel Ready you can use your debit card abroad as often as your like with
no debit card fees for £7 a week. Add it to your account before you travel and
• Check your statements regularly - If something doesn’t look right
it’ll start on the date you tell us.
or you spot a transaction on your statement you didn’t make, call
us straight away on 0800 500 3914 or +44 1132 888 408 if outside Keeping your data safe
the UK. We may not be able to refund a payment on some types of We promise to keep your personal information safe and only use in the way
account if you tell us more than 13 months after the date it you’ve asked. See our privacy notice at halifax.co.uk/privacy or call us for a
happened. copy on 0345 720 3040.
• Keep your statements in a safe place - If you want to throw them
We’re here for you if something isn’t right
away, you should do it in a secure way, like shredding them – please
We want to make sure you’re happy with the products and service we offer. But
don’t just put them in the bin.
if something goes wrong, let us know and we’ll do everything we can to put
• Helping you stay protected - We’ll do all we can to help you avoid
things right. If you’re still not happy, you can ask the Financial Ombudsman
fraud. Visit halifax.co.uk/security for ways to protect yourself and
Service to look at your concerns, for free.
information on the latest scams.
• If your card, cheque book or PIN is lost or stolen - Call us straight The Financial Services Compensation Scheme (FSCS)
away on 0800 015 1515 or +44 (0) 113 242 8196 if outside the UK - The deposits you hold with us are covered by the Financial
lines are open 24/7. Services Compensation Scheme (FSCS). Every year we’ll send
• The freeze card feature in our Mobile Banking app lets you quickly you an information sheet which tells you the types of deposits
freeze and unfreeze different types of transaction on your cards covered and the protection offered by the FSCS. For more
whenever you need to. Find out more at information visit FSCS.org.uk
halifax.co.uk/aboutonline/download-apps/card-freezes
We send statements and other communications from time to time for legal
reasons or to let you know about changes to your accounts or services.
When you call us your call may be monitored or recorded in case we need to
check we have carried out your instructions correctly and to help improve our
quality of service.

If your vision is impaired – please contact us for an alternative format

such as large print, Braille or audio CD.
If your hearing or speech is impaired – you can contact us using the Relay UK Service which is available 24 hours a day, 7 days a week; or via
textphone on 0345 732 3436 (lines are open 9am - 5.30pm, 7 days a week).
SignVideo services are also available if you’re Deaf and use British Sign Language at halifax.co.uk/accessibility/signvideo
Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the
Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.
Fair lending – we adhere to The Standards of Lending Practice which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk
Statement No. 3 Sort Code 11-07-66
07 December 2023 Account Number 12640469
Page 3 of 3

CURRENT ACCOUNT

Your Transactions
Date Pmnt Details Money Out (£) Money In (£) Balance (£)
Type
07 Nov 23 STATEMENT OPENING BALANCE 0.41
21 Nov 23 FPI V IGNAT 100000001238939284 150.00 150.41
21 Nov 23 CPT LNK TESCO SUTT BRI CD 8429 21NOV23 100.00 50.41
21 Nov 23 CPT LNK TESCO STN LW R CD 8429 21NOV23 5.00 45.41
21 Nov 23 FPI V IGNAT 400000001247186270 400.00 445.41
21 Nov 23 FPO VALENTIN IGNAT 21NOV23 01:52 300.00 145.41
21 Nov 23 FPI V IGNAT 600000001242149031 50.00 195.41
21 Nov 23 FPI V IGNAT 600000001242205490 37.00 232.41
21 Nov 23 FPO KIERAN J CONDON 21NOV23 08:21 37.50 194.91
21 Nov 23 FPO KIERAN J CONDON 21NOV23 15:59 5.00 189.91
21 Nov 23 DEB eBay O*19-10812-13 CD 8429 4.80 185.11
21 Nov 23 DEB eBay O*19-10812-13 CD 8429 16.98 168.13
21 Nov 23 DEB TEMU.COM CD 8429 62.58 105.55
21 Nov 23 FPI V IGNAT 200000001238921975 20.00 125.55
22 Nov 23 CPT LNK COOPERATIVE SM CD 8429 22NOV23 10.00 115.55
22 Nov 23 FPI V IGNAT 300000001246536431 50.00 165.55
22 Nov 23 DEB SUTTON EXPRESS CD 8429 5.29 160.26
22 Nov 23 DEB TESCO STORES 6698 CD 8429 11.65 148.61
22 Nov 23 DEB AMAZON* 204-391599 CD 8429 26.00 122.61
22 Nov 23 DEB OYSTER MOBILE APP CD 8429 30.00 92.61
23 Nov 23 DEB SUTTON COURT S STN CD 8429 31.88 60.73
23 Nov 23 DEB TESCO STORES 6698 CD 8429 7.50 53.23
24 Nov 23 DEB TESCO STORES 6698 CD 8429 14.25 38.98
27 Nov 23 DEB MATCH_COM OURTIME CD 8429 25NOV23 9.99 28.99
27 Nov 23 DEB TESCO STORES 6698 CD 8429 26NOV23 6.90 22.09
27 Nov 23 DEB TESCO STORES 6698 CD 8429 26NOV23 15.00 7.09
27 Nov 23 DEB SUPPERSAVE CD 8429 5.99 1.10
04 Dec 23 FPI V IGNAT 03DEC23 200000001246794790 9.41 10.51
04 Dec 23 FPO VALENTIN IGNAT 03DEC23 16:56 10.00 0.51
04 Dec 23 FPO VALENTIN IGNAT 04DEC23 01:53 0.51 0.00
04 Dec 23 FPI V IGNAT 400000001255965730 3.01 3.01
05 Dec 23 DEB TESCO STORES 6698 CD 8429 2.90 0.11
07 Dec 23 STATEMENT CLOSING BALANCE 719.72 719.42 0.11
Payment types:
FPI - Faster Payment CPT - Cashpoint FPO - Faster Payment DEB - Debit Card

Transaction Details
The "Details" column in your statement shows the date that a Debit Card payment has come into or out of your account only if
that happened on a weekend or a Bank Holiday.

Halifax is a division of Bank of Scotland plc, Registered in Scotland No. SC327000. Registered Office, The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and
regulated by the Financial Conduct Authority and the Prudential Regulation Authority.