Hello all, Today I received a random text saying ' Banks are refunding customers who have paid a monthly fee on packaged accounts' I had no idea what a packaged account was, so I looked it up on the web a lo and behold my Natwest Advantage Gold Account is one of them. I have read through part of this forum and I just wanted to clarify If I may be entitled to any form of refund of charges. Following are some facts: 1- I have had an advantage gold account since 1989 2- I was told that It would be easier to get an overdraft with this account. 3- For years I paid mobile insurance and I never realised it was covered in the package and when I did find out I read that the phone had to be registered with them 4- I have also taken out on numerous occasions travel/holiday insurance which again I had no idea was covered by the account. To be honest with you I since it has been so long ago since I've this account but I remember that my normal account was upgraded to Advantage Gold. I don't ever recall applying for one. Also way back then I don't believe mobile insurance was even included in the package and was introduced many years after when mobiles became prevalent amongst consumers. Am little worried that should I contact my bank they will give me the run-around and I would get disheartened and just give up. Any advice I could get would much appreciated.