Callaghan83 wrote: »
Wasn't worded correctly, I never used the benefits of the old account, prior to the upgrade
Callaghan83 wrote: »
I have a quick question, I filled out the form on resolver, got a reply from RBS that said I upgraded my account last year, which I did for the free travel insurance but my gripe was that they sold the account to me to get a better loan rate several years ago. I was tied into the loan until earlier this year. Has anyone had a similar experience? They say since I upgraded my account I was not missold the account in the first place. Anyone have any suggestions on what to do next??
but I distinctly remember being taken from the mortgage advisor to a banking advisor and we were told we HAD to have a packaged bank account to have a mortgage and that it would get us a better rate.
Somehow we also ended up with a silver account although I don't know what benefit we would have of 2 accounts.
gnioto wrote: »
Can I ask how long this took too complete from beginning to end? I put a complaint in last week to lloyds who is have banked with since 2004.
I went to the bank 23yrs old with a poor credit rating. I had been to Halifax to open a joint account with my partner ready for our first home together. We went to lloyds tsb as it was then and was nervous about being approved for a mortgage. We were approved but I distinctly remember being taken from the mortgage advisor to a banking advisor and we were told we HAD to have a packaged bank account to have a mortgage and that it would get us a better rate. To the tune of around £15 a month (it's 17 now). Somehow we also ended up with a silver account although I don't know what benefit we would have of 2 accounts. We have never been on holiday, we used the AA cover once many years ago and I don't believe we have ever used mobile phone insurance.
I genuinely believe I was missold both packages and I even remember the names of both staff who dealt with us!
I'm hoping we have some success with our claim x
dunstonh wrote: »
If it is true that there was a better rate, then that is a good reason to have it.
Having two accounts is a good thing. Lots of people use a second account to pay all the fixed bills out of and have a standing order just after pay day to go to the number 2 account that covers all the bills. Then you know what is left in the number 1 account is general spending money.
However, you would not have two PBAs. One of them may be a PBA but the second should be a plain current account. If you have two PBAs then you would expect a success on at least one of them.
Dandytf wrote: »
Can anyone answer if rbs cancel my package account if “I reclaim package subs.
I wouldn’t want to put my breadown cover at risk.
What it means for your gas & electrity
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When you add £50 to gift card balance