Halifax bank account package reclaim

avx

Hi guys,

Anyone had any joy reclaiming off Halifax. They never told me about the insurance, dating back to 2010 . Tried reclaiming but they wouldn't take it further due to the length of the claim. Should I go to the Ombudsman?

Any help much appreciated

Cheers...Ed

dunstonh

Anyone had any joy reclaiming off Halifax.

Yes there are. And plenty that haven't. Your post doesnt suggest any issue that is unique to Halifax.

They never told me about the insurance, dating back to 2010

Halifax were sending annual benefit statements for some years. So, what are you doing when they arrive?

Tried reclaiming but they wouldn't take it further due to the length of the claim.

What is the exact reason they have given for the rejection? This is important. For example, if they are timebarring you because it is more than 3 years since being reasonably aware of an issue and 6 years from purchase, the FOS will not be allowed to look at it.

Should I go to the Ombudsman?

if you are timebarred then the FOS cannot help you. Until we know the actual complaint rejection, it is difficult to answer this.

Nasqueron

I had the reward and then the ultimate reward account. Every year without fail they sent you a statement / booklet which detailed what you got, what was covered on the phone/travel insurance etc. There is no way you didn't get sent one (not saying you received them all of course).

Chances are because they were doing this for years they have time barred you under both the 6 and 3 year rules

[Deleted User]

avx wrote: »

Any help much appreciated

If you truly required help, you needed to detail exactly what your complaint was and exactly why the bank have rejected it.

If they make mention of a time-bar, that means that they did tell you about the insurance (perhaps you never read their letters?) and that they aren't even going to consider your complaint. If this is the case, all the Ombudsman can do is ensure that the time-bar has been correctly applied.