Natwest account mis sold. can i reclaim charges from select silver account?

[sarah nicholson]

I believe I was mis sold select silver account when they told me I needed to be on this account to continue using all atm machines and did give another reason but I can't remember what it was! The benefits were not applicable as my mobile phone was covered by my partners insurance, the car I was driving at the time was my mothers and covered with breakdown. I didn't travel and after falling into financial hardship was unlikely to have holiday for foreseeable future.

Can I reclaim? How do I find out exact datesfro. And to? I also have.had bank charges as the fee took me into unauthorized overdraft more than once.

Any advice gratefully received

Sarah

[Kati]

Re: Natwest account mis sold. can i reclaim charges from select silver account?

Hi Sarah,

Did you ever use any of the extra benefits from the account (http://personal.natwest.com/personal...r-account.html)? There is more than just the mobile phone insurance, and I can't see any mention of breakdown cover?

Your benefits

All these extras for just £10 a month

European Travel Insurance
Going abroad? Your Select Silver account includes travel insurance that covers you for up to 22 days per trip. The policy also includes winter sports cover.
What you need to know

• If you have a medical condition, please call 0345 601 5219 to confirm your premiums and cover
• If you or your joint account holders are aged 70 or over, there’s a £50 annual premium
• If you have an existing medical condition, you may have to pay an annual premium or accept that your cover may exclude certain conditions.

Phone Insurance
Your phone is covered for loss, theft, accidental damage and if it stops working.
What you should know

• The policy covers unauthorised calls up to £2,500 (inc VAT) for monthly contracts and up to £100 (inc VAT) for pay as you go customers
• 2 phones are covered if you have a joint account
• The replacement value per phone is unlimited (excluding cosmetic embellishments with precious metals, stones or crystals)
• There is a £75 excess.

Ticket Booking Service
Receive 25% cashback on tickets for theatre, dance, opera,concert performances and more throughout the UK and Ireland.
What you should know

• Order up to six tickets through the booking service for each event, up to four bookings a year.
• All ticket booking must go through the memberships services telephone number

How do I get my cashback?

• You don't need to do anything. It will then be paid into your Select Silver Account within 30 days of your booking.

tastecard
Enjoy 2-for-1 meals or 50% off your food bill at thousands of restaurants across the UK. Restrictions apply.
What you should know

• Some restaurants may exclude tastecard use on Friday or Saturday evenings, Mother’s Day, Father’s Day, Valentine’s Day, the whole of December and potentially other “event” type days
• Where restaurants offer 50% off they may limit the number of people; where restaurants offer 2 for 1 on meals this does not include side dishes or extras
• Some restaurants require the customer to book prior to arriving at restaurants.

Travel Money
You’ll get preferential rates on foreign currency from our Travel Money service – we’ll even deliver the money to your door.
What you should know

• Orders must be online or over the phone through membership services to receive preferential rates
• Minimum order of £100 applies.

[sarah nicholson]

Re: Natwest account mis sold. can i reclaim charges from select silver account?

Thanks for your reply and in response to your question, no I didn't use any of the 'benefits'.

If this suggests a better outcome can you advise me further? Thanks for your help
Regards

[Kati]

Re: Natwest account mis sold. can i reclaim charges from select silver account?

Ok ... so you were told that you needed this account in order to have use of all atm machines? As in "if you don't go for this account you will have limited use of your bank card"?

If you feel you have been mis-sold this bank account, your first point of call is always a complaint to the bank. You can complain online through Natwest's own website HERE and there's a pdf guide to making complaints to Natwest HERE.

Your complaint to the bank should include any (and all) the information you can think of to show that the account in question was not needed by you at the time is was 'sold'

If your complaint is not upheld by the bank, you will then have the option of going to the FOS.