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  • FIRST POST
    • locky504
    • By locky504 14th Nov 17, 12:23 PM
    • 1Posts
    • 0Thanks
    locky504
    Reclaim Bank Account Insurance, even if used it
    • #1
    • 14th Nov 17, 12:23 PM
    Reclaim Bank Account Insurance, even if used it 14th Nov 17 at 12:23 PM
    Can anyone help me? I have had a Premier Account with Lloyds for just on 20 years, and over that time I have paid a monthly account fee of £25. For this fee, I have had the privilege of having travel and mobile insurance, Breakdown cover as well as credit reporting. Although I have made a claim on the travel insurance and one on the mobile insurance, I am not sure this really is a good deal, in particular now as they have changed all their account charging rates etc for being overdrawn. Therefore am I able to claim the account fee back, even though we used it in the past? It was sold to us in branch as it would give us more benefits and creditability. We may also be looking to change bank
Page 1
    • TrickyDicky101
    • By TrickyDicky101 14th Nov 17, 12:40 PM
    • 2,801 Posts
    • 1,814 Thanks
    TrickyDicky101
    • #2
    • 14th Nov 17, 12:40 PM
    • #2
    • 14th Nov 17, 12:40 PM
    No you can't.

    I've paid car insurance for over 20 years without making a claim once - wonder if I can get that back? ....
    • msallen
    • By msallen 14th Nov 17, 12:47 PM
    • 565 Posts
    • 510 Thanks
    msallen
    • #3
    • 14th Nov 17, 12:47 PM
    • #3
    • 14th Nov 17, 12:47 PM
    I've bought a lottery ticket every week since it started (*) but only won a small amount a couple of times. Can I get my money back?

    (*) Not really.
    • Shakin Steve
    • By Shakin Steve 14th Nov 17, 1:02 PM
    • 1,060 Posts
    • 767 Thanks
    Shakin Steve
    • #4
    • 14th Nov 17, 1:02 PM
    • #4
    • 14th Nov 17, 1:02 PM
    The idea of claiming back your premiums(charges) is that the product was unsuitable for your needs. As you have claimed, this is obviously not true.
    I came into this world with nothing and I've got most of it left.
    • Chalkius
    • By Chalkius 14th Nov 17, 8:06 PM
    • 98 Posts
    • 41 Thanks
    Chalkius
    • #5
    • 14th Nov 17, 8:06 PM
    • #5
    • 14th Nov 17, 8:06 PM
    You've used it several times, so it was clearly suitable for you. No grounds whatsoever to claim anything back.
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