Why do some sorts of accounts not have their own account numbers? Instead they appear to pay into some sort of general account, relying on a roll number or reference to distinguish them.
My Mortgage account with Halifax and my Children's savings accounts with Nationwide both use this arrangement and to be honest I don't like it. While I'm confident this is not a scam, I do find it confusing and a little worrying.
Is there a reason why certain types of bank account seem to be associated with a common account number, and then use a secondary piece of information to distinguish who the money belongs to?