Halifax pays it by the rules …

The Halifax Reward current account pays £5 a month if you pay in at least £1,000 a month. Our regular­ pension goes into this account on the first of each month. Sometimes, it is a day early, so two payments show in one month. If the following month's pension arrives on the first, then there is one month without a payment, so no bonus. We miss out on £5 about four times a year for the sake of 24 hours. Our pension provider won't change the date. CB, Bolton Rules is rules. Even though the timing of your pension payments is outside your control and you clearly deposit a payment every month, Halifax says you fail to comply with the terms. To emphasise the point, last November Halifax changed the conditions to say that at least £1,000 must be paid in any calendar month. Halifax had already refunded one missed £5 but won't do so again. • Email Margaret Dibben at [email protected] or write to Margaret Dibben, Your Problems, The Observer, Kings Place, 90 York Way, London N1 9GU and include a telephone number. Do not enclose SAEs or original documents. Letters are selected for publication and we cannot give personal replies. The newspaper accepts no legal responsibility for advice.