Packaged Account Fees

[dogtired]

Re: Packaged Account Fees

I had asked about it after getting the statements for my Kensington complaint and it looks like I did not have the packaged account long enough, according to the statements I never paid anything. to wards a package account, it was there and I do not remember asking for it .
However, what emerged is over £3k worth of charges and fees so I have asked them to look at this, only got the reply after being a pain and e mailing David Nicholson !

[loulouxx]

Re: Packaged Account Fees

Sorry also complain about the way the complaint has been handled and your reason what has led you to email him. If you can post the letter I'm happy to take a look and help if I can xx

[loulouxx]

Re: Packaged Account Fees

Hi DogTired,

What were the reasons for the rejection? It's Halifax right? Can you post it up? I would argue each point. Then email davidnicholson@halifax.co.uk who is the Managing Director of Halifax if you haven't already.

xx

[dogtired]

Re: Packaged Account Fees

:bump:

[dogtired]

Re: Packaged Account Fees

Bump please for an answer to quesion regarding charges, have written to Halifax anyway nothing ventured and all that!

[dogtired]

Re: Packaged Account Fees

Mmmm looks like what they said was right but now have statements that go back to 2004 plus a summery.
Can you still claim back " unfair" charges?
If so its over 3K !

[dogtired]

Re: Packaged Account Fees

When I got the right address, yes.
I also did so as part of my Kensington complaint as they seemed to think I had asked for a PPI refund on an old loan with them.
The reason they gave was that I had set up a gold account myself on line and was aware of all the benifits ( dont remember that).
That I had only had this account for less than a month and had cancelled. (Again don't remember that)
Does not mention the reasons why they did not respond to previous request for statements, they did send some but yet to check them.
I had also asked about excess charges and this is not mentioned either.
Got to study the staements just to estabish if what they say is right and am going to try again re the charges.
Will also post on Kensington thread.

[di30]

Re: Packaged Account Fees

Got my rejection from Halifax today, so what is the next step ?

Please remind, did you also contact CEO?

What were the reasons of the rejection DT?

[Amethyst]

Re: Packaged Account Fees

Financial Ombudsman I'd guess

[dogtired]

Re: Packaged Account Fees

Got my rejection from Halifax today, so what is the next step ?

[Amethyst]

Re: Packaged Account Fees

I think loulou, and Di, have both argued that the ''preferential loan rates' weren't very preferential at all when compared to other products on the market at the same time.

Did you have a loan with them ?

[Nettiesmythe]

Re: Packaged Account Fees

Hi.I complained to Natwest as I have only just realised I have been paying for my account,rediculous on my part I know.They replied that yes it was mis sold but I have benefited over the years with preferential loan rates.I can understand what they are saying,but I'm not sure I'm happy with the reply.Should I be and leave it be.

[loulouxx]

Re: Packaged Account Fees

Thanks Di. Always happy to help! hopefully there will be loads more ! I'm sure once there's more awareness and the Regulators are full of bank complaints when they reject claims I'm sure they'll regulate the way the complaints are handled lol just like PPI xx

[di30]

Re: Packaged Account Fees

So fab LouLou, thank you for sharing your news and experience of your huge successful win and the info helps too.

There is hope yet for others in the same position, thanks again x:tinysmile_twink_t2:

[loulouxx]

Re: Packaged Account Fees

http://www.legalbeagles.info/forums/...ful-Case-Study


There the link with the offer letter and original letter I sent uploaded as promised. Please keep me updated! Fingers Crossed xx