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Natwest Advantage gold charges

For years we paid from £8 to £12.95 each month for our Advantage gold current account feature at Natwest without realizing that the insurance offered with this did not cover me due to my pre existing medical condition.
Can any of this be reclaimed?
I remember cancelling this after several months of the new rate of £12.95
Thanks
fortunately I can remember all of my old account numbers and sort codes going back 35 years!

Comments

  • -taff
    -taff Posts: 15,388 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Depends if they timbarr you or not. When did you cancel it?
    They may refund it as a goodwill gesture if you still bank with them but don't hold out any hope and if they do, you'll be pleasantly surprised.
    Non me fac calcitrare tuum culi
  • Nasqueron
    Nasqueron Posts: 10,941 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Cancelling a product allows them to time bar under the 3 year rule (3 years after cancellation) and if it was taken out more than 6 years ago they will probably invoke that meaning your complaint will be over. Otherwise yes you can complain (not claim) and see what they say, they may well point out all the other benefits applying including the insurance covering family members

    Sam Vimes' Boots Theory of Socioeconomic Unfairness: 

    People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.

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