Claiming for a PBA

nicholaspwright

Hi, Would anyone be able to have a read through this letter and tell me if it sounds okay? Is there anything I should include or exclude to increase my chances of getting a refund?


******** ******
*** ********* ****
******* *****
*******
**** ***

12th August 2015

Barclays Bank
Manchester Universities Branch
Leicestershire
LE87 2BB

Dear Sir or Madam,

Account name: ******** ******
Account number: ********

I have had the above account since September 1995. Since then I have changed it to an additions account and a premier life account which I believe have been mis-sold to me. I was mis-led into taking out the bank account. I was told it was a privilege to get the account, but the product wasn't fully explained to me. A pushy saleswoman would not take no for an answer. I was told I would be eligible to claim when I was not.I was told I would be eligible to claim insurance for my mobile phone but when I made a claim I was told that I was not eligible for a like-for-like replacement. I was told I would be eligible for travel insurance but later found out I was not. I was not told I would not be eligible for one or more of the insurance policies. I could not register some of the devices or appliances I was led to believe would be covered. I was told I would have free breakdown cover with the RAC throughout the UK but when I contacted the RAC they informed me it was only within a 10 mile radius of my home. I was not told there was an alternative, free account with an overdraft.

I have statements dating back to October 2010 showing account fees being taken out. However, the additions account and the premier life account date back further than this so I would like to make a subject access request under the data protection act 1998 for copies of my statements dating from September 1995 to September 2010.

I am writing to request a full refund of the fees I have paid plus any interest owed to me.

I look forward to your response within eight weeks, otherwise I will not hesitate taking my complaint to the Financial Ombudsman Service.

Yours faithfully,

******** ******


Thanks,
Nick.