Reclaiming halifax ultimate reward account charges

boldyno1

Anyone got any advice?


I sent my letter as had the ultimate reward account for 8 years never used it, I remember having a phone call with the bank who advised if I take it I can get a larger overdraft.


Halifax received my letter and called me to say as I had applied and was accepted online I was not entitled to a refund as I accepted the t&c's then.


They have not once checked if I am eligible for the add ons and I never realised I had to advise them regarding my mobile and health problems for the travel insurance.


Anyone got any info on how best to proceed as I think that they never checked that I was still eligible for the add ons they have still took me for a ride.


Thanks

[Deleted User]

boldyno1 wrote: »

Halifax received my letter and called me to say as I had applied and was accepted online I was not entitled to a refund as I accepted the t&c's then.

If you applied online, you were not advised at the point of sale and so mis-bought rather than were mis-sold.

boldyno1 wrote: »

They have not once checked if I am eligible for the add ons and I never realised I had to advise them regarding my mobile and health problems for the travel insurance.

This is irrelevant to your complaint as you mis-bought.

boldyno1 wrote: »

Anyone got any info on how best to proceed as I think that they never checked that I was still eligible for the add ons they have still took me for a ride.

They didn't need to check, you should have done that yourself before applying online.

You can refer your complaint to the Ombudsman, but the referral will take around eighteen months and FOS will likely side with the Bank in these circumstances...

Aquamania

boldyno1 wrote: »

Anyone got any advice?


I sent my letter as had the ultimate reward account for 8 years never used it, I remember having a phone call with the bank who advised if I take it I can get a larger overdraft.


Halifax received my letter and called me to say as I had applied and was accepted online I was not entitled to a refund as I accepted the t&c's then.


They have not once checked if I am eligible for the add ons and I never realised I had to advise them regarding my mobile and health problems for the travel insurance.


Anyone got any info on how best to proceed as I think that they never checked that I was still eligible for the add ons they have still took me for a ride.


Thanks

Please stick to the original thread & board you asked this question on.
https://forums.moneysavingexpert.com/discussion/comment/64646316#Comment_64646316