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Minesamalbec

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  1. Hi everyone. First time for me posting so be gentle. I've just been time barred for my packaged account complaint by the RBS and FOS as they say the bank has told them they "would have" sent me 'refresher packs' in July 2009 and March 2010 so I should have complained within 3 years from then. I'm struggling to understand how anyone's complaint can possibly succeed if the Bank sent out these 'packs' over three years ago. My original complaint is that they upgraded my account without my knowledge in 2003, at a time when I was in financial difficulty and would not knowingly pay more to the bank in charges. They actually upgraded both of my current accounts at the same time and have upheld the complaint on one of them on the basis they shouldn't have upgraded both, although they did reverse one of the accounts back to a fee free account a short time later but they've now reimbursed the fees for the time period they were charged. This fact alone seems to me that they accept the fact they miss sold me, but are now rejecting the complaint on the other account by using the time bar rules. I've only now made my complaint due to seeing all about these in the media and doing some digging and realizing that I actually got sold tow of them in 2003. I've also read on previous threads about CCL letters and am keen to know if these are to do with the banks using the time bar issue to reject complaints.
  2. Hi everyone. First time for me posting so be gentle. I have read this thread with interest as I've just been time barred for my packaged account complaint by the bank and FOS as they say the bank has told them they "would have" sent me 'refresher packs' in July 2009 and March 2010 so I should have complained within 3 years from then. My complaint is that they upgraded my account without my knowledge in 2003 and at a time when I was in financial difficulty and would not knowingly pay more in bank charges. I'm keen to know what is a CCL letter that is mentioned earlier in this thread? Thanks
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