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	Halifax (bank) - Wikipedia, the free encyclopedia
		The Halifax is a commercial bank in the United Kingdom, part of the HBOS Group.
		In 2001, Halifax agreed a mutli billion pound merger with the Bank of Scotland.
		Halifax worker, Howard Brown is the regular star of the adverts.
	en.wikipedia.org /wiki/Halifax_(bank) (553 words)

	Union Bank of Halifax - Wikipedia, the free encyclopedia
		The Union Bank of Halifax was granted a charter by the government of Canada in 1856 and established its head office at the corner of Hollis and Prince Streets in the port city of Halifax, Nova Scotia.
		The driving force behind the bank, and its first chairman, was Halifax businessman and former mayor, William Machin Stairs (1789-1865).
		The Union Bank developed a strong regional branch network as well as offices in Trinidad and Puerto Rico that served the bank's clients with shipping and trading interests throughout the Caribbean.
	en.wikipedia.org /wiki/Union_Bank_of_Halifax (312 words)

	CNN.com - Halifax profits fall 13 percent - Jul. 31, 2001
		Halifax said pretax profits fell to £839 million in the six months, after a charge of £21 million for the merger, from £885 million last year, in line with expectations.
		The Halifax said it accounted for 17 percent of gross mortgage lending in the UK during the period.
		Halifax shares, (HFX) which have outperformed the UK bank sector by about 27 percent so far this year, rose 3.5 percent to 794.50 pence in London trading after the results were announced.
	edition.cnn.com /2001/BUSINESS/07/31/halifax (411 words)

	[No title]
		Halifax quotes a passage from the Gina Chin opinion where we stated that the "concept of comparative negligence introduced in the revised sections reflects a determination that all participants in the process have a duty to exercise ordinary care.
		Halifax cites several out-of-state decisions in support of its contention that "revised 3-406 provides a cause of action, in favor of a drawer against a depositary bank." Cited are National Union Fire Ins.
		The plaintiff there, unlike Halifax here, was a co-payee of instruments that were accepted by the bank without the plaintiff's endorsement and were deposited into an account in the sole name of the other payee.
	www.courts.state.va.us /opinions/opnscvtx/1032444.txt (5168 words)

	BBC News \| BUSINESS \| Bank says sorry to small traders
		The Halifax has been forced to offer a grovelling apology to small businesses in the UK after revelations by the Sun newspaper suggested it was less than keen to have them as customers.
		He acknowledged that the bank has "got a problem on occasion with heavy cash handling", but insisted that this was the bank's problem, not its customers' problem.
		Business banking will be on offer from about 100 Halifax branches by the end of this year and the bank will not be excluding those listed on the flip chart, he explained.
	news.bbc.co.uk /hi/english/business/newsid_1843000/1843952.stm (389 words)

	Halifax Students occupy Royal Bank : IMC Maritimes
		400 students from halifax universities and high schools performed a peaceful sit-in at the Atlantic Provinces Headquarters branch of the Royal Bank in Halifax after a 2000+ strong march to the legislature demanding a tuition freeze and roll-backs.
		The understanding was that once student representatives met with bank executives, students occupying the bank would leave, or otherwise be arrested.
		The bank representatives were unable to make a public announcement on behalf of the financial institution as a whole due to liability issues.
	maritimes.indymedia.org /mail.php?id=958 (529 words)

	Halifax - Bank Accounts
		Halifax Extras Current Account is unavailable to new applicants. If in the first year you do not make monthly payments into the account of at least £1,000 you will be charged £5 for each month that a payment has not been made.
		Halifax Travel Insurance is underwritten by St Andrews Insurance plc, a subsidiary of HBOS and by DAS for legal expenses cover.
		Where a customer has made deposits in a savings or bank account, payments under the scheme are limited to 100% of the first £2,000 and 90% of the next £33,000 of the customers total deposits, subject to a maximum payment to any one depositor of £31,700.
	www.sharexpress.co.uk /bankaccounts/impinfo.shtml (1006 words)

	Halifax bank - The Scream!
		Halifax wrote me a letter today to say there are not any deposits being made to my account and that it is £130 overdrawn I reply
		The first is only known to yourselves, as it is a result of you failing to arrange the agreed transfer of my old current account to you in the 7 weeks the account was open.
		I believe it is common practice in banking for customers to receive £25 in respect of a mistake being made in connection with their account.
	www.the-scream.co.uk /forums/showthread.php?t=2483 (752 words)

	CNN.com - Halifax, Bank of Scotland to merge, create country's No. 5 bank - May 4, 2001
		The combination of Halifax and Scotland's second-biggest bank ends a period of uncertainty for the Bank of Scotland, which has seen the rug pulled out from under its feet in two previous merger attempts.
		The banks announced they were in talks late last month that would see them exchange shares on a one-for-one basis, giving shareholders no premium for backing the combination.
		The Halifax under the stewardship of Chief Executive James Crosby is moving away from its traditional dependence on the lower-margin mortgage market.
	cnnstudentnews.cnn.com /2001/BUSINESS/05/04/halifax (522 words)

	Global Finance: Europe: Bank of Scotland, Halifax tie knot
		Halifax Group, the United Kingdom's largest mortgage lender, and Bank of Scotland have agreed to a $14.9 billion merger that will form Britain's fourthlargest bank in terms of assets.
		Halifax and Bank of Scotland investors will get one share of the new holding company, to be known as HBOS, for each share they own.The merger values HBOS at about $40 billion.
		Bank of Scotland's Edinburgh headquarters will run the combined group's corporate banking business, while the retail banking operations will be based in Yorkshire, England.
	www.findarticles.com /p/articles/mi_qa3715/is_200106/ai_n8957667 (210 words)

	SAS Success Story: Halifax Bank of Scotland Group (Site not responding. Last check: 2007-10-20)
		Halifax Bank of Scotland Group (HBOS) is the UK's largest mortgage and savings provider, with well-known brands that include Halifax, Bank of Scotland, Intelligent Finance, esure, Sainsbury's Bank and Bank West.
		The 2001 merger of Halifax and Bank of Scotland brought together Halifax General Insurance, St Andrew's Group, Halifax Insurance Ireland and Bank of Scotland Commercial Insurance to create one of the UK's largest general insurance providers.
		Halifax Bank of Scotland Group (HBOS) was formed in 2001 with the merger of Halifax and Bank of Scotland.
	www.sas.com /success/hbos.html (1078 words)

	Scotsman.com Business - Halifax Bank of Scotland
		JAMES Crosby, the outgoing chief executive of the HBOS banking group, owner of Bank of Scotland and Halifax, yesterday sold 128,625 new shares triggered by the bank's executive bonus scheme, a deal worth £1.3m.
		BANK of Scotland gave its full support yesterday to Glenvarigill, the struggling car dealer...
		BANK of Scotland is to take a minority stake in Stoke-based ceramics firm Steelite International...
	business.scotsman.com /topics.cfm?tid=497 (357 words)

	Invisible Technology - Handshake Column- CIO Magazine October 15, 1997 (Site not responding. Last check: 2007-10-20)
		Although bank telemarketing is not rare in the United States, outbound calling in England verges on heresy.
		Halifax Direct pays reps based on the number of products for which they can field calls and provi des the necessary training, support and testing to ensure they can learn as much as they take on.
		Part of the reason Halifax Direct was successful was that the project team was small (six people), and it had a lot of authority.
	www.cio.com /archive/enterprise/101597_handshake.html?printversion=yes (2426 words)

	Internet can't kill bank branch, says Halifax - silicon.com - Breaking Business and Technology News at silicon.com
		The bank is to open 50 new branches in the south of England over the next five years, creating 1,500 jobs as it hopes to increase its market share in current accounts.
		Recent research from Nottingham University said banks have closed one in five branches over the last 10 years because of the rise of internet and phone banking.
		But, as around half of a bank's customers will visit the branch at least once per month, some banks are also investing heavily in new technology in their branches to improve customer service.
	www.silicon.com /0,39024729,39156953,00.htm (464 words)

	Sunday Herald, The: A friend for giving you extra; Since the merger of Bank of Scotland
		Banks in this camp include the Edinburgh-based groups Royal Bank of Scotland and HBOS, both of which have kept an array of brands in their marketing armouries.
		At the time of Halifax and BoS's (pounds) 20bn merger in September 2001, the lack of geographical overlap between the two networks was seen as a plus point.
		"Halifax has a very clear market position which is now to be diluted by the introduction of a Scottish brand that people are not that aware of.
	www.findarticles.com /p/articles/mi_qn4156/is_200402/ai_n12587102 (1286 words)

	BBC NEWS \| Business \| First-time buyers face price woe
		Halifax defined a town as unaffordable for first-time buyers if the average property price was more than 4.37 times the average salary.
		Using this method, Halifax found that 95% of towns in the South East, East Anglia and the South West were unaffordable for first-time buyers.
		Halifax chief economist Martin Ellis said that first-time buyer numbers are at their lowest level since 1981.
	news.bbc.co.uk /1/hi/business/4195241.stm (500 words)

	Reviews on Halifax Look at tests, reports and read reviews: dooyoo.co.uk
		After dealing with 3 other major banks in the last fifteen years I can honestly say that Halifax bank of Scotland are by far the worst.
		The bank of Scotland used to be a reasonable bank to deal with but since their merger with the Halifax, customer services levels have plummeted.
		After a few months working for the halifax i decided i would switch my current account from HSBC as it would be easyier for me as shortly i would be getting a personal loan hopefully from the halifax and i would be able to have the loan paid straight into my account.
	www.dooyoo.co.uk /bank/halifax/reviews (1504 words)

	Leading UK Retail Bank and Mortgage Lender, Halifax, Selects Interwoven's Content Infrastructure To Underpin eCommerce ... (Site not responding. Last check: 2007-10-20)
		Halifax, which recently merged with Bank of Scotland to form the HBOS group, chose Interwoven's Content Infrastructure primarily for its branching capability, which is the development of multiple initiatives in parallel, as well as its ability to perform whole-site versioning.
		More than 80 Halifax Web design staff and content editors are based in and around Halifax and Leeds, West Yorkshire, U.K. and work with external design agencies to develop Web initiatives separately without disruption from wider platform integration.
		The separation of form from functionality enables Halifax staff to change text quickly: within minutes instead of three working days which previously were required as part of a full test cycle of a transactional Website.
	www.interwoven.com /news/press/2001/1217halifaxpr.html (520 words)

	Barclays Bank HOAX EMAIL SCAM - also Nationwide, Natwest & Halifax - Identity Theft Alert
		This Hoax Bank email was reported and in distribution on 26th and 27th October 2003 (see the latest Bank Email Scam).
		While these images show the Barclays Bank hoax, please be aware that customers of many different banks are being targetted with this hoax.
		Now let's see the text of the email itself, especially since this is the part of the scam where the content remains much the same (the link being the exception) in all reports so far.....
	www.millersmiles.co.uk /identitytheft/barclays-hoax-151.htm (1039 words)

	HBOS (Site not responding. Last check: 2007-10-20)
		Halifax and Bank of Scotland branch, estate agency and Personal Financial Adviser roles in London and the South East.
		Halifax and Bank of Scotland which are non branch or estate agency in London and South East
		Halifax and Bank of Scotland nationwide roles, except in London and South East.
	www.iwantextra.co.uk (68 words)

	JS Online: Britain Approves Halifax Bank Merger
		Halifax and Bank of Scotland would operate under a new holding company, called HBOS PLC, but would continue doing business under their old names.
		Bank of Scotland would gain access to a large retail deposit base, and Halifax would benefit from a stronger focus on corporate banking.
		Halifax is the country's fifth-biggest bank in terms of assets, at 183 billion pounds ($260 billion), while Bank of Scotland is seventh-biggest with assets of 86 billion pounds ($122 billion).
	www.jsonline.com /bym/news/ap/jul01/ap-britain-bank-me071901.asp (524 words)

	Halifax in talks to merge with the Bank of Scotland - Apr. 25, 2001
		NatWest opted to merge with the Bank of Scotland's larger rival the Royal Bank of Scotland, and Abbey National broke off talks after strong overtures from Lloyds TSB.
		For its part, the Halifax under the stewardship of Chief Executive James Crosby is moving away from its traditional dependence on the lower-margin mortgage market.
		Halifax shares rose 7 percent to 789.75 pence and the Bank of Scotland added 7.1 percent to 795 pence in midday trade in London.
	money.cnn.com /2001/04/25/europe/halifax (541 words)

	Search: Bank of Scotland - WebFetch.com
		The Royal Bank of Scotland (LSE : RBS) is one of Scotland's four national clearing banks and one of the oldest in the UK, founded in Edinburgh in 1727 by Royal Charter
		The Bank of Scotland was established by an act of the Parliament of Scotland on 17...
		In response, the Bank of Scotland themselves began to open branches...
	www.webfetch.com /uk.webfetch/search/web/Bank+of+Scotland/1/20/1/-/-/0... (349 words)

	Bank Of Scotland, Bank Of Scotland information (Site not responding. Last check: 2007-10-20)
		The Bank of Scotland is a commercial bank in Scotland (and to a lesser extent the rest of the United...
		Bank of Scotland Bank Accounts are suitable for people living in Scotland with the exception of Private...
		The current family of Bank of Scotland banknotes all bear a hand-engraved, tonal portrait of Sir Walter Scott on the...
	www.scotlandz.co.uk /BankOfScotland (1328 words)

	Informatica United Kingdom: Customer Success: HBOS Card Services
		The Halifax was predominantly a domestic bank, having de-mutualised some years previously after becoming the UK's biggest building society (the equivalent of a US Savings and Loans institution).
		The Bank is not in the risk business, so we implement solutions that have proven and demonstrable track records of success and reliability.
		This growth was driven dramatically in the autumn of 2001 by the announcement of the merger between the Halifax and the Bank of Scotland.
	www.informatica.com /UK/customers/hbos.htm (1665 words)

	Bank of Scotland offers Halifax branded mortgages (Site not responding. Last check: 2007-10-20)
		Bank of Scotland and Halifax are amongst the UK's best known and most liked banks.
		As a result of our two organisations joining forces - the Bank of Scotland now offers Halifax mortgages and offer a wide range of products designed to suit your needs.
		Whether you are a Halifax customer, a Bank of Scotland customer or have a mortgage with another lender we have a range of secured loans to suit you
	www.bankofscotlandhalifax.co.uk /mortgages/home.shtml (207 words)

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