Any success in reclaiming missold Halifax Ultimate Reward Account

racy_tracey

Hello,
I was wondering if anyone has had any success in claiming on a mi ssold Ultimate Reward Account with Halifax. We have had it for about 9 years now, and due to not having a good credit rating have believed we are stuck with it. But, having looked on this website, I am wondering if we could have a case. My memory is being a Halifax customer at the time, with another type of current account, and then basically being transferred to this account , as I literally was led to believe that this was the only option for my husband and myself as customers. I, have previously tried to claim and been told by Halifax that I chose to upgrade online and therefore there was no case to answer. We didn't want to pay, can anyone remember did they log in online and were prompted to click on it. I distinctly remember at the time, being horrified that we had to pay for our bank account , most probably from whatever had come through the post to inform us of this, but feeling there was no other option. Unfortunately, my memory is as rubbish as my keeping of any written material that I may have received from Halifax during this time. I do remember that we have always needed our overdraft, and from looking online have seen people saying that they were told it was their only way to get an overdraft. Could anyone possibly help, or give success stories.
Much appreciated in advance. x

Bermonia

The reality is if you were sold it online and you already had an account then it would be very hard to suggest that you were led to believe that you HAD to have it - the bank would merely have to evidence that you have benefited from the account in some way, that’s if they don’t argue that your complaint is time barred.

Edi81

“We have had it”. If you hate it that much move your account.

Nasqueron

Most packaged account claims are time barred now anyway. 6 year rule (from point you took out the account) is met and 3 year rule (from point you had reason to complain, or could reasonably known you had reason to complain) will have been met by the annual statements letters they send out telling you what you are paying for, giving you the option to change accounts.


I'm not sure why you believe having bad credit would stop you moving, many firms offer basic fee-free accounts if you have trouble with cash.


Also, if you chose to upgrade online, you were not sold anything QED cannot be miss-sold, you chose it, you miss-bought.