Packaged Bank Account Fees

Caramelek

Hi All

My first post. Not sure if anyone will be able to give me advice, but I followed Martin`s advice about Packaged Bank Account Fees with Lloyds, and after 2 months of not getting any reply, they finally sent me decision that they already closed my PPI case (I got some £ few years ago) - am I right to think the Packaged Bank Account Fees and PPI are 2 different things, and it`s not what I asked them to look into? Sorry if it`s obvious, but I`m getting really confused now.

Also, in the same letter they sent me someone else`s file instead of my attachments :mad:- which is a big mess up from Lloyds and worrying as they probably sent my details to someone else as well. What can I do with that, where do I report it, as it shouldn`t have happen!!!! I was really shocked that they did that, and I don`t want to leave it without action

Many thanks!

[Deleted User]

Caramelek wrote: »

What can I do with that, where do I report it, as it shouldn`t have happen!!!! I was really shocked that they did that, and I don`t want to leave it without action

Write back and let them know.

Bermonia

If you let them know then they are obliged to inform the ICO of their GDPR breach

Nasqueron

PPI and PBA are separate products


PPI is a protection for your payments if you are unable to make them e.g. through unemployment

A PBA is a current account with features like insurance for a set monthly fee


You would need to complain about each one separately


Bear in mind that many PBA are now time barred due to the annual statements and customer contact letters sent out and few are upheld at the FOS as there is nothing wrong with having this sort of product

Caramelek

Thank you. Do you think it will it worth me to ask them them look at it again, not as PPI?

Nasqueron

They are different products and different complaint processes so yes you need to complain separately