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  1. Having successfully reclaimed PPI for son-in-law from both a loan and credit card from these chancers now I would like to reclaim the packaged account fees they fleeced from him over the years. Have all the information for claim from a SAR - appears to have have one for years with the fees increasing over the years - no letters or information in the SAR relating to benefits/selling process - was just told and accepted he need one - was very naive financially and has paid lots in fees over the years - all under control now with help from CAG. I would like to know which spreadsheet to
  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
  3. Hi folks, How do I go about reclaiming packaged bank account charges? is there a letter template I can use? The bank in question is Ulster Bank. My account is a U-First account and the monthly payment was £9,99. How do I go about reclaiming please? I would appreciate your help. Regards, Johan
  4. Financial firms delivered fair outcomes in just 44 percent of complaints about mis-sold packaged bank accounts, the Financial Conduct Authority (FCA) has announced. The FCA published findings from its thematic review of packaged bank accounts on October 20. It said firms are “well below the required standards” when it comes to complaint handling. Less than 50 percent of these mis-sold packaged bank account complaints being dealt with resulted with a fair outcome, the regulator said. http://creditstrategy.co.uk/article/18545/online-news/financial-services-failing-o
  5. Hi all. Is there a time limit on attempting to reclaim packaged account fees? I was charged for a packaged account with HSBC between November 2008 and December 2010. They continued to charge the fee even when the account went into an unauthorised overdraft and closed due to default in December 2010. I believe I took the account having been told it would mean I could have an overdraft - which I never actually got. It also provided breakdown cover but I do not drive. I do not know what the other benefits were - I was suffering from mental illness at the time.
  6. Hi, I have received a final response letter from Lloyds in regards to claiming back packaged bank account fees. Lloyds are saying that because I applied online and there was no physical person to give advise then the onus was on me for checking the box to the t&c's. Admittedly, I did not read these however the reason I upgraded my account was because I thought travel insurance was included which apparently never has been on the Select Account. My question is, do I accept this response ? Many Thanks
  7. Packaged accounts are current accounts that have ‘benefits’ attached. Such as Travel Insurance. It is a good way to obtain Travel, Mobile or breakdown insurances. However, you might be able to get these cheaper elsewhere and those included in the packages were not always beneficial to the customer. However, for this type of account, a monthly fee is charged, usually about £10 - £25.00 per month. – Doesn’t sound too much when you say it like that, but say £120.00 - £300.00 per year and that could be quite substantial. If you made a decision to take a packaged account for these be
  8. I've been away from the forum for some years and GOD how things have changed. I've just discovered that my old (premier 50 currant account) was packaged and contained an element for ID protection, which, naturally enough, I would like to claim back. Is there a template or procedural advice that I might be able to use - please?
  9. My Dad is 75 years old and in a conversation with him the other day he told me that Nat West were closing his account. He said it was one of those where he paid a monthly fee but never got anything out of it, he said he'd never used any services that it offered and when I asked how long he'd had it and why he'd taken it, he said that he'd had it probably 20 years (although his memory is a little hazy) and he said he hadn't asked for it, they just told him he was getting it.....I want to try to claim back his monthly PBA fees, should I start with a SAR request and take it from there? If so
  10. It's bothered me for some time that I pay for a packaged account with Lloyds. I've had more than my fair share of financial problems and one of the few plus points on my credit score is that I've had my bank account for a long time. I was investigating "free" accounts and came across a number of sites claiming that packaged accounts may have been mis-sold, hence my visit here. I originally signed up to a Gold account in the late 90s because I had asked for an overdraft increase (£2,000) and was told this was the way to get it. I hadn't realised the full "benefits" o
  11. More than one million customers with RBS and NatWest will soon be forced to pay up to £2 extra a month for their packaged current accounts. From January 17, customers with the bank’s Black account must pay £26 a month for their deals. Those with the bank’s Platinum account will have to fork out £1 more, totalling £16 a month. RBS Black account offers worldwide travel insurance and access to airport lounges. The Platinum account includes travel and phone insurance and UK breakdown cover. Read more: http://www.thisismoney.co.uk/money/saving/article-3322929/One-mil
  12. I wrote to HSBC on 22nd July 2015 saying that I had a packaged bank account and highlighted the areas that I believed it to be mis-sold. I received a letter back 1st August 2015 which confirmed the following. It started as a HSBC Plus Account October 2007 in February 2010 this was rebranded as HSBC Advance, in September 2010 I downgraded the account so no further fees were charged after this time. It also added that the bank has rejected my complaint on the basis that more than six years have elapsed from the date I converted to an HSBC Plus account which is the event you are compl
  13. My boyfriends Ex-wife took out a bank account before she left him in 2009. My boyfriend was a joint account holder and signed to say he was happy with this. The account was then changed to a packaged bank account (called a Gold Account) without my boyfriends knowledge. The account was never used and it went overdrawn with charges until Natwest closed the account and added a Default to my boyfriends Credit File in April 2010 which we have only just found out about. My boyfriend wrote to Natwest asking them to remove the default from his Credit File. Natwest replied with a straig
  14. Having reclaimed the PPI on my RBS overdraft earlier this year see here It recently became aware that perhaps I had a claim regarding a miss sold packaged account as I was told that I had to have this account to have the overdraft facility that I wanted..... dropped a letter in the post a week last Friday, today I received a letter agreeing that was the case and approx £1600 in fees and interest will be in my account within 3 days of the date of the letter.... Quickest, easiest reclaim ever, one letter, 2 weeks, done and dusted.......
  15. Morning All . Have started looking into the packaged account /fee paying account i had a few years ago . It was from Bank of Scotland . Looking through the info pack they sent to me i see that part of the monthly fee was for Card protection insurance .there are a few other insurances such as basic travel ,emergency home repair etc ,rac / aa road side assist . my question is as it was a single fee for a number of different products and one of these bundled products have being ruled to be fraudulent (card protection ) would that be sufficient grounds to reclaim the premiums paid as ultim
  16. Hi all again, I'm currently trying to put a bank charge claim for my friend, I've stop because I need to find out if he can claim hardship. When looking at his statements, I found he has paid a lot for his Halifax account. I asked him why does he pay? He said he was told he had to get the "Ultimate Reward Monthly Account" to get an overdraft. I've found online that this is textbook miss-selling, he also doesn't use and has never needed any of the insurances with the account. I'd like some advice on if I'm going the right way on this. I've drafted the moneys
  17. Hi again So here you go again another copy and paste of my brief story .. Enjoy ..Oh and my 3rd alleged debt.. Please help So my story.... I used to work for HBOS plc (Halifax) as an IT specialist. In July 2007 During my time at HBOS I became severely ill with encephalitis (similar to meningitis) which left me disabled and stuttered and completely inaudible amongst other symptoms. As a result In 2008 I was let go by HBOS after 8 months of SSP - due to my long term sickness. Debt 3 - Halifax Packaged Account Defaulted in 2007/2008 - one of those pay £15 a month for perk
  18. Whilst at University in the mid to late 90s I held a graduate account with Lloyds which on graduation had to be changed to a standard account. As with most students I had built up quite an overdraft and was told by the gentleman I spoke to in my branch that a standard account wouldn't be suitable unless I could reduce my overdraft to a level which would be allowed. Clearly I didn't have the funds to make such a payment so was 'offered' a gold account as that would allow me to service the overdraft without a problem. Fast forward to now and I have recently written to Lloyds
  19. What do you reckon my chances are of getting anything back by sending the attached? Been paying £9 a month for well over 10 years for no apparent 'benefit'. TIA
  20. Hi, My Premium Account is being scrapped and I rely on the following features of it: 1.) The fee-free overdraft 2.) The mobile phone insurance 3.) The breakdown cover 4.) The travel insurance Now they are closing the account, I will be switched to the every day account which means I'll be charged £1/day for being in my authorised overdraft up to a maximum 20 days in any one month. Due to the way I'm currently running my account, this means I'll end up being charged £20/month for my overdraft, but get none of the "perks" For this reason I'm looking to move my acco
  21. Hi all I'm hoping that some of the people around here may be able to help on this. I'm after details of the packaged bank accounts that Lloyds (and Lloyds TSB) has sold. I know that in the past these have included Select, Silver, Gold, Platinum and Premier but I would like more information: Does anybody know when Lloyds introduced packaged bank accounts? Does anybody have any details (such as what they offered, etc.) of these packaged accounts from when they were first introduced, etc. or after? Is there anywhere to obtain this information that anybody knows of (other than from
  22. Can anyone advise whether CAG is advocating the reclamation of Mis-sold Packaged Account Fees?
  23. Lloyds TSB has placed a temporary ban on the sale of controversial "packaged" current accounts, which will not be sold in branches or over the phone from January 1. These accounts, which can cost up to £300 a year, have been widely sold in recent years, and offer a range of additional perks, including travel insurance, breakdown cover and mobile phone insurance. But the regulator has been concerned that many people paying for such accounts do not always make use of the benefits, either because their age or a medical condition disqualifies them from cover or because they may already have
  24. Banks offering insurance and other perks as part of paid-for 'packaged accounts' will be forced to send letters to their customers telling them whether they are eligible for the benefits that they are paying for. The Financial Services Authority (FSA) said that from March 2013, banks will have to send eligibility statements to these account customers, separately from other information about their accounts. "This will make the statements more prominent," a spokesman said. Packaged accounts are current accounts which come bundled up with a range of insurance policies and other features. Th
  25. As the FSA publishes new rules on packaged accounts, we ask what is the point? It never rains but it pours. This truism doesn't seem to just apply to the weather this summer, but the problems the banking industry has mired itself in. After the shocking revelations from Barclays, following on from the catastrophic computer problems at RBS and NatWest, bank chiefs - well, those still in their jobs - are now braced for another grilling from the regulators, this time it is about how they sell current accounts. In the spotlight are so-called "premium" bank accounts, where customers pay
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