Packaged Bank Accounts

Maggie_Oldfield

I took out a Packaged Bank Account in 2002. During this time I have used it twice for car breakdown. I feel this account was pushed onto me.

Can I still claim even though I used it for car breakdown.

I have never used the travel insurance, or mobile phone cover.

dunstonh

You can still complain about a mis-sale even if you have used benefits. However, it does reduce the chances of success. If they do uphold the complaint they can deduct the cost of the benefits from the redress.

I feel this account was pushed onto me.

Very weak complaint reason. unlikely to succeed when you are complaining 13 years after the event and used the facilities. Timescale and evidence being the issue here.

I have never used the travel insurance, or mobile phone cover.

You dont have to use (as in claim). However, if you registered your phone that would be enough.