Packaged Account Fees

[dogtired]

Re: Packaged Account Fees

DT can you just clarify what your complaint is?

As I understand it was originally for a mis-sold packaged account that Halifax say you only had briefly and were never charged for but the statement you got from them (2004 - 2011) showed £4k in unidentified charges which you're thinking about trying to claim?

A bit of both EXE. we had this account for some years before we moved and I am positive that when we opened that it was a packaged account, they even "gave" us a loan for home improvements .
I lost my job and got into difficulties and the bank despite our being on a payment plan "sold" it, (the loan) via Blair Oliver Scott to Cabot, we did continue to pay them for a time until the PPI scandal came about, (still banked with them at the time) .
They eventually paid out but only via the FOS and Cabot still continued to chase us despite having letters from the bank that this was settled they did eventually give up , LB helped me a great deal on this one.
Meanwhile, just before we moved my debit card was lost or stolen and someone used it to obtain cash from a local pawnbroker/short term lender, this resulted in bounced DDs which they charged for.
They then made the account into a card cash account (somehow still letting us have an overdraft!)
We continued to be customers despite them closing the local agency but then closed the nearest branch and in the same year changed the charges, that even if you had an arranged overdraft you still got charged per day, making us almost always in the red because of the way the "system" worked.
It was then we changed banks!
The claim I made, was to be honest a bit of a chance as I had approach them for evidence of payment to another party that the FOS needed after several errors when they seemed to think I wanted to claim PPI off them they did send statements but only dating back to 2004.
Without doing a full SDAR is her any point trying with this?
I know all about the court rulings.
The FOS say they have had evidence off the bank to show that the package was only there briefly and that the bank had agreed that they had acted incorrectly but had already compensated me (£25 !).
They also had an almost full page of the court rulings for bank charges.
I have to accept or reject the decision by the beginning of September.
Thank you for your help.

[EXC]

Re: Packaged Account Fees

Hi
have just joined this site and reading with interest your success.
i have a complaint in with Nat West about our advantage gold account.
they have rejected our complaint twice now but am not giving up. We were told in 2 Feb 2001 we needed the AG acct to secure extra borrowing on our mortgage this was agreed 6 Feb 2001 The last rejection was based that we had had borrowing on our mortgage 1991 & 1995 without the upgrade...but what they have failed to address is that the AG acct was not introduced until 1997 with a criteria of income 20k but this criteria was remove 1998. We where told to have this acct 2001 the next time we went to the bank for help. How many times do we have to complain about the mis selling before we say enough is enough and go to the FOS?

If you believe you were mis-sold the account you absolutely should go the FOS.

You have 6 months to do so from the point Nat West gave you their final response to the complaint. The thing is their final response to your first complaint may have triggered the 6 month clock. When was that?

[EXC]

Re: Packaged Account Fees

DT can you just clarify what your complaint is?

As I understand it was originally for a mis-sold packaged account that Halifax say you only had briefly and were never charged for but the statement you got from them (2004 - 2011) showed £4k in unidentified charges which you're thinking about trying to claim?

[dogtired]

Re: Packaged Account Fees

Bump again please for me and Samsky.

[dogtired]

Re: Packaged Account Fees

Bump

[dogtired]

Re: Packaged Account Fees

Had a rejection of our complaint against Halifax.
Not supprised to be honest as I had no paper work whatsoever.
Question do I accept this or reject it?

[Samsky1961]

Re: Packaged Account Fees

Hi
have just joined this site and reading with interest your success.
i have a complaint in with Nat West about our advantage gold account.
they have rejected our complaint twice now but am not giving up. We were told in 2 Feb 2001 we needed the AG acct to secure extra borrowing on our mortgage this was agreed 6 Feb 2001 The last rejection was based that we had had borrowing on our mortgage 1991 & 1995 without the upgrade...but what they have failed to address is that the AG acct was not introduced until 1997 with a criteria of income 20k but this criteria was remove 1998. We where told to have this acct 2001 the next time we went to the bank for help. How many times do we have to complain about the mis selling before we say enough is enough and go to the FOS?

[loulouxx]

Re: Packaged Account Fees

Thank you Lou, yes I know what you mean, I wasn't sure if you could claim them back so it's worth a try !
When and if I get a responce I will post up. xx

I'll have a dig around and see what I can find in relation to the charges and fees hopefully might be able to come up with something

If you could that would be great xx

[dogtired]

Re: Packaged Account Fees

Thank you Lou, yes I know what you mean, I wasn't sure if you could claim them back so it's worth a try !
When and if I get a responce I will post up. xx

[loulouxx]

Re: Packaged Account Fees

Hi DT

Ok I've just had a look at the documents and the letter. They say that you did the upgrade online.....Now I can see their point about it wasn't an advised sale. I would ask for a screen shot that shows documents being sent out about the policies etc. Natwest didn't send me any info during the years including all the fee increases and this was where I got them. All banks have records of each thing that is sent out to you. But as it states there no fees to get back so might not be worth pursuing. The Bank charges to be honest I have no idea. The only reason I got mine back were because of the fee's that were charged while in the overdraft which is everything from 2002 - 2008. I'm not sure where claims on bank charges stand but I did read that if they put you in hardship then you can still reclaim but I am not 100% sure. I also read that if the bank taking their charges put you in financial difficulty xxx

[Mr $quanda£ot]

Re: Packaged Account Fees

At one point Santander wad hard seller ng its 123 account which costs £2 a month for which you get cashback on certain direct debits (1-3%) and interest, again 1-3% if you are crediting the account with certan minimum amount each month, and depending on your credit balance.

They tried this with me too but I have a much better zero account with them with no fees for exceeding my overdraft limit or unpaid direct debits etc.

I told them that clearly I would have been worse off with 123 and that I would nevwe pay a monthly fee for a current account.

Banks won't stop misselling unless the government introduces much tougher regulations, including custodial sentences for misselling and actually then enforces them.

As consumers, we should demand a fair treatment and not let the bastards get away with their endless fob off efforts!

[di30]

Re: Packaged Account Fees

Thank you DT, you too x :tinysmile_twink_t2:

Before i know it it will be 2 years since its been with the FOS lol, still should hear of a decision soon, the horrible thing about it was at first they agreed to uphold then decided to change it, now that Adjudicator's left the business, the new adjudicator working for the ombudsman seems more up on it.........well i hope so anyway lol x

[dogtired]

Re: Packaged Account Fees

Good luck Di hope you get your result xx

[di30]

Re: Packaged Account Fees

Good luck with that DT, all crossed here for you x

My latest is the FOS has now moved on to checking the other packaged accounts, now on to the Premier account and the Home Emergency cover side of it Lloyds said we taken it because of that, lol, however they were incorrect as we already held the relevant stand alone cover in place so the ombudsman requested that we send them the stand alone policy details which we have done, so its a waiting game.

There is no way we were take out the premier cover just for the sake of the home cover within the account, so we have proved this evidence since anyway and with the way it was automatically upgraded without our consent.

Shall keep you posted, but my feeling is its coming to the final conclusion anytime soon.....

[dogtired]

Re: Packaged Account Fees

Two pages of the letter and the front sheet of the statements that show the charges, have removed names nut not amounts.
1.pdf
2.pdf
3.pdf

i have written to her again regarding these charges but only posted early this week second class with proof of postage!

Cheers DT xx