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card protection insurance -ultimate reward account


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Afternoon .

 

Looking to see if anyone has had any success with the HBOS in regards to the ultimate reward packaged bank account .

 

 

I opened one in 2009 and have noticed that i was paying for a card protection policy that would pay out up to £75000

if there was any fraudulent acitivy on my card after it was reported missing .

 

My question is .

as this card proection insurance was of no value (the banks having to already cover such fraud )

would including it in a package of benefits/insurances mean that the entire package was missold .

 

 

Since the onus is on the banks to check that the products they where selling was suiitable .

 

any replies much appreciated

regards

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IMHO yes

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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thanks for you quick reply .

 

 

Does anyone know of a precendent or example of when this augument was successful used to argue miss selling .

 

 

I have recieved a reply back from HBOS saying that they are not of the opinion that this would be miss selling ( they would say that )

and i will now have to go to the ombubsman which would be more straigh forward if i had a previous decision to reference

again thanks for your input

regards

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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