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On April 8 2011, whilst doing some banking as POA on behalf of my mother inside her Halifax on-line bank account, I was tempted by a banner advertisement which purported to be a promotion for a new limited offer account called the Web Saver Reward with an interest rate of 2.8%, paid annually. At that time my mother had a savings account with Halifax delivering 2.3% interest, *holding about £40,000, so it seemed sensible to take advantage of an extra .5% Clicking the ad. led straight to an on-line application form, entitled Variable rate Web Saver Application. Within that form th