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Was I Mis-sold?

Was I Mis-Sold?

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Was I Mis-Sold?

You may be able to reclaim packaged bank account fees if you were mis-sold the account.

“Level of service has been very good, and very satisfied with the outcome.”

Howard from Stockton-on-Tees



“As we are both over 80 we found the people who dealt with us very helpful indeed and very understanding.”

Barbara & Anthony from Torquay

Barbara & Anthony


“I was extremely satisfied with the service of your company and would recommend you to friends and family.”

Thomas from Liverpool



How Do I Know If I may have been Mis-Sold?

Here are the most common ways that packaged bank accounts were mis-sold. If any one of these scenarios sounds familiar to you, then you may have a case to reclaim the packaged bank account fees. Basically, if the extras on the account are not suitable for you, or you were not aware of the features on the account, then you may be able to claim.

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“I was told I had to start paying”

Many customers were told that they simply had to sign up to a packaged account in order to be eligible for other products, such as a loan, overdraft or mortgage and were not offered free to use alternatives.

“My monthly fees increased unexpectedly”

The Banks were obliged to write to customers informing them of any price change. If you were never told about an increase in the monthly fee on the packaged bank account, you may have a case to reclaim your fees.

“Nobody told me there would be a fee”

Some banks actually switched customers from free bank accounts to fee-paid premium bank accounts without telling them. In some instances this was done as the customer took out a new bank account, although in others, customers were told they were a "privileged customer" and that the account was being 'upgraded', but it was not explained that it was a packaged bank account and there was a cost to upgrade.

“I was never told how to use my insurance”

The sales person who sold you the packaged account should have made sure you were aware of any next steps you needed to take and also how to use your insurance policies once set up. For example, if you were not told that you needed to register certain items for them to be covered under the insurance policies.

“The insurance wasn't suitable for me”

In many cases, packaged bank accounts were sold without checking the suitability of the insurance products for the customer. For example, many travel insurance policies were sold to people older than the upper age limit specified in the policy terms and conditions or were not asked if they had any pre-existing conditions that may have stopped them claiming against the insurance policy.

“I was told I couldn't cancel the account”

If you were told that you could not cancel your account, then you may be able to claim a refund.

“I was told I was not eligible for a fee-free account”

Wherever a packaged bank account was offered, there will usually have been a fee-free account available to you as an alternative. If you were told that you had no free alternative, you may have a case to reclaim the packaged bank account fees.

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