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  • FIRST POST
    • BOBS
    • By BOBS 13th Mar 17, 7:46 PM
    • 2,736Posts
    • 2,084Thanks
    BOBS
    Danske - package fees
    • #1
    • 13th Mar 17, 7:46 PM
    Danske - package fees 13th Mar 17 at 7:46 PM
    I always looked at all the posts about reclaiming on missold PPI's etc and thought it wouldnt apply to us as we never paid payment protection on any of our current loans - may have done on old car finance HP agreements - but no paperwork or recollection of the companies involved .
    Post came up on facebook tonight by MSE about bank charges!! - now we do pay these !!
    Pay £11 per month for our current a/c with Danske (Northern Ireland bank) and have done for many years - we were told it was the only way to get the mortgage that we currently have without incurring extra remortgage fees. Perks are free travel insurance, and free overdraft - which is rarely used but good as a back up I suppose.
    If I do go ahead and fill in the resolver form on the link - would this affect our mortgage - only have about four years left to pay and dont want the hassle of having to change it.
Page 1
    • Ben8282
    • By Ben8282 13th Mar 17, 8:10 PM
    • 2,070 Posts
    • 912 Thanks
    Ben8282
    • #2
    • 13th Mar 17, 8:10 PM
    • #2
    • 13th Mar 17, 8:10 PM
    Yes they will immediately cancel your mortgage and demand immediate full repayment.
    • Heng Leng
    • By Heng Leng 14th Mar 17, 1:06 PM
    • 4,210 Posts
    • 1,287 Thanks
    Heng Leng
    • #3
    • 14th Mar 17, 1:06 PM
    • #3
    • 14th Mar 17, 1:06 PM
    Yes they will immediately cancel your mortgage and demand immediate full repayment.
    Originally posted by Ben8282
    Do you just make rubbish up as you go along ?
    • PeacefulWaters
    • By PeacefulWaters 14th Mar 17, 1:09 PM
    • 7,167 Posts
    • 8,826 Thanks
    PeacefulWaters
    • #4
    • 14th Mar 17, 1:09 PM
    • #4
    • 14th Mar 17, 1:09 PM
    Do you just make rubbish up as you go along ?
    Originally posted by Heng Leng
    I think you missed a hint of ironic humour.
    • Heng Leng
    • By Heng Leng 14th Mar 17, 1:58 PM
    • 4,210 Posts
    • 1,287 Thanks
    Heng Leng
    • #5
    • 14th Mar 17, 1:58 PM
    • #5
    • 14th Mar 17, 1:58 PM
    I think you missed a hint of ironic humour.
    Originally posted by PeacefulWaters
    It's hard to tell with some posters on here
    • Ben8282
    • By Ben8282 14th Mar 17, 8:59 PM
    • 2,070 Posts
    • 912 Thanks
    Ben8282
    • #6
    • 14th Mar 17, 8:59 PM
    • #6
    • 14th Mar 17, 8:59 PM
    Do you just make rubbish up as you go along ?
    Originally posted by Heng Leng
    Yes actually. When I read an OP from somebody who has been paying for a packaged bank account for years and suddenly decides to try to con the bank out of all the fees that they have been paying for years, not because of any genuine mis-selling but because they read something in a facebook post, it has that effect on me.
    • Shakin Steve
    • By Shakin Steve 14th Mar 17, 9:18 PM
    • 1,044 Posts
    • 761 Thanks
    Shakin Steve
    • #7
    • 14th Mar 17, 9:18 PM
    • #7
    • 14th Mar 17, 9:18 PM
    Yes actually. When I read an OP from somebody who has been paying for a packaged bank account for years and suddenly decides to try to con the bank out of all the fees that they have been paying for years, not because of any genuine mis-selling but because they read something in a facebook post, it has that effect on me.
    Originally posted by Ben8282
    Yes. But, surely, if this money is being doled out left, right and centre, shouldn't we all have some? Why should it just be people who were missold PPI or packaged accounts? I've been a loyal customer for years, and, well.........I WANT SOME! NOW!
    I came into this world with nothing and I've got most of it left.
    • BOBS
    • By BOBS 14th Mar 17, 9:32 PM
    • 2,736 Posts
    • 2,084 Thanks
    BOBS
    • #8
    • 14th Mar 17, 9:32 PM
    • #8
    • 14th Mar 17, 9:32 PM
    Yes actually. When I read an OP from somebody who has been paying for a packaged bank account for years and suddenly decides to try to con the bank out of all the fees that they have been paying for years, not because of any genuine mis-selling but because they read something in a facebook post, it has that effect on me.
    Originally posted by Ben8282
    I am not trying to con the bank out of fees - I was told that the only way I could remortgage - to add around £10k onto a £40k mortgage was to have this particular account for which I had to pay £11 per month - in our naivety we didnt think to question this. Up to you if you think this is genuine mis-selling or not, should we not have been given an option whereby we didnt need to pay a packaged fee.
    • agrinnall
    • By agrinnall 14th Mar 17, 9:39 PM
    • 18,541 Posts
    • 14,267 Thanks
    agrinnall
    • #9
    • 14th Mar 17, 9:39 PM
    • #9
    • 14th Mar 17, 9:39 PM
    I am not trying to con the bank out of fees - I was told that the only way I could remortgage - to add around £10k onto a £40k mortgage was to have this particular account for which I had to pay £11 per month - in our naivety we didnt think to question this. Up to you if you think this is genuine mis-selling or not, should we not have been given an option whereby we didnt need to pay a packaged fee.
    Originally posted by BOBS
    You did have an option - take your business elsewhere! You chose to accept Danske's condition for offering you the mortgage, what makes you think you can change your mind now?
    • BOBS
    • By BOBS 14th Mar 17, 9:57 PM
    • 2,736 Posts
    • 2,084 Thanks
    BOBS
    You did have an option - take your business elsewhere! You chose to accept Danske's condition for offering you the mortgage, what makes you think you can change your mind now?
    Originally posted by agrinnall
    what about the numerous others who appear to be reclaiming now ...........
    • MyOnlyPost
    • By MyOnlyPost 14th Mar 17, 10:23 PM
    • 1,514 Posts
    • 1,023 Thanks
    MyOnlyPost
    I agree if you were told that you had to have a packaged account to get the mortgage this is misselling unless the mortgage is only available to customers who hold that account
    It may sometimes seem like I can't spell, I can, I just can't type
    • veryintrigued
    • By veryintrigued 15th Mar 17, 7:24 AM
    • 2,090 Posts
    • 1,360 Thanks
    veryintrigued
    what about the numerous others who appear to be reclaiming now ...........
    Originally posted by BOBS
    Get a grip and use your own morales to decide on what you should or shouldn't do rather than 'everyone else is doing it' type of argument.
    Last edited by veryintrigued; 15-03-2017 at 7:28 AM.
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