Packaged Bank Account Claim

danonwheels

On Saturday evening I used the Resolver tool on here to put in a claim for my packaged account fees back, after reading the info on here and a lot of the threads on this forum.

Today I received a call from a manager at my bank (Halifax) who asked some questions - had I used any of the insurances included in it, what were the circumstances around upgrading the account etc which I answered and he then said he'd do some investigation and come back to me with a decision tomorrow.

If they uphold the complaint I'm up for 6 years worth of £15/month charges plus the 8% interest and my bank account would be downgraded to a standard, free account.

I've got my fingers crossed.....

danonwheels

Success! Had a call from the bank last night and they have refunded the account fees back to 2010, totalling £1456. In addition he mentioned that the application of that account fee had at times caused me to exceed my overdraft limit, for which I had been charged so they have refunded those charges as well, another £400 and they have put a freeze on any more overdraft charges being applied to my account for 3 months.

To say I was shocked is an understatement. And all that from about 10 minutes effort on my part. And the cash was in my account just 3 hours later.

Thank you to MSE and the Resolver tool.

Stevie_Palimo

I think it would be very unlikely that the actual manager of your branch would have called on this one to be honest, I also find a two day turn around very quick to.

I am not saying I disbelieve you but something does not add up in full here, I believe that getting the fee back is a good thing but would be better if the details tallied up with the general timescales on this from the banks in question.

YorkshireBoy

danonwheels wrote: »

...what were the circumstances around upgrading the account etc

Just out of interest what were your reasons for your decision to upgrade the account?...truthfully please.

And did they deduct any £5 Reward payments, if indeed you'd had any?

danonwheels

Stevie_Palimo wrote: »

I think it would be very unlikely that the actual manager of your branch would have called on this one to be honest, I also find a two day turn around very quick to.

The resolver form was completed on my phone whilst in the bath on Saturday evening, the first info gathering call was on Monday afternoon and the decision call was yesterday at 5:45pm as I was arriving at college (I'm learning BSL at level 2 in Sheffield). I checked my account on the train home just after 9pm and the money was there. I never said that the manager who called was a branch manager - but he did announce himself as some kind of manager and preceding both calls from him (by about 10 minutes) I received a text from the bank giving his full name and a direct phone number to contact him on if I missed his call.

Stevie_Palimo wrote: »

I am not saying I disbelieve you but something does not add up in full here, I believe that getting the fee back is a good thing but would be better if the details tallied up with the general timescales on this from the banks in question.

Well believe what you like. What I've reported is exactly what happened.

Stevie_Palimo

Well I did a PPI claim with my bank direct and it most certainly did not take only a few days and was more like a couple of months from start to finish, As I said getting your fee back is good.

Timescales of 2 days simply do not add up though as no bank deals with issues like this quickly and that is just a fact.

danonwheels

YorkshireBoy wrote: »

Just out of interest what were your reasons for your decision to upgrade the account?...truthfully please.

And did they deduct any £5 Reward payments, if indeed you'd had any?

I had gone into my local (at the time) branch to discuss setting up an overdraft facility and been told I had to upgrade my account in order to have that. The lady I spoke to had then led me to a PC in the branch and talked me through logging into my account online and upgrading the account.

The chap I spoke to on the phone last night told me that usually upgrading online would automatically rule out a refund of the fees as the upgrade wouldn't count as having been mis-sold but then went on to explain that this didn't apply in my case as I had freely submitted that information in the first call before I had found this out.

As for the reward payments, they were never mentioned.

eskbanker

Stevie_Palimo wrote: »

Well I did a PPI claim with my bank direct and it most certainly did not take only a few days and was more like a couple of months from start to finish, As I said getting your fee back is good.

Timescales of 2 days simply do not add up though as no bank deals with issues like this quickly and that is just a fact.

No, it's an assertion! There used to be a long thread on here all about packaged bank claims and it was littered with tales of swift resolutions like OP's, so personally I'm unconvinced that you should be so accusing here. That's not to say that all claims are sorted out quickly of course but equally it's invalid to assert that none are....

danonwheels

Stevie_Palimo wrote: »

Well I did a PPI claim with my bank direct and it most certainly did not take only a few days and was more like a couple of months from start to finish, As I said getting your fee back is good.

Timescales of 2 days simply do not add up though as no bank deals with issues like this quickly and that is just a fact.

PPI is a completely different kettle of fish. From reading posts on these forums similar to mine it seems that the majority of banks are extremely quick to sort these types of complaints out - most are resolved the same day the complaint is made.

vegas123

danonwheels wrote: »

PPI is a completely different kettle of fish. From reading posts on these forums similar to mine it seems that the majority of banks are extremely quick to sort these types of complaints out - most are resolved the same day the complaint is made.

Yes I have had a quick response too. Filled out resolver form yesterday morning and the bank rang me today to go through things.
They said they will ring back tomorrow with a decision, so it is fast. Hope mine is result is like yours!

Pdoc77

Wish I had the same result from my 'tough' bank HSBC. After 8 weeks they have refused my claim.

I was mis-sold the Packaged account at the exact same time I applied for a loan about ten years ago. At the time I felt I had to go with the packaged account to be granted the loan. Never had any real use of any of the so called benefits in all those years.

Well I have to escalate now to the FOB.

May take many more months to resolve!