Claiming deceased Packaged Bank Account

brenda50

My mother was paying a monthly fee and was over 65 when it started and mentally incapable. I will have to get a new copy of the executors form but how do I get her bank account number after all of this time - 13 years?

[Deleted User]

It's passed the 6 year limit to claim back any charges now.

Ben8282

How did a mentally incapable person manage to open a packaged bank account?
The fact that she was mentally incapable does not, in itself, in any way imply that the account was unsuitable for her.

Zanderman

brenda50 wrote: »

My mother was paying a monthly fee and was over 65 when it started and mentally incapable. I will have to get a new copy of the executors form but how do I get her bank account number after all of this time - 13 years?

If you are aware that she had a packaged bank account 13 years ago you presumably have a record of the account - and information about what the package was - and why you presumably now think it was unsuitable for her. If you have that much info you must know the account number surely? What records have you kept if they don't include the account number?

brenda50

When I set about trying to make a claim about 5 years ago, I read on here that it was too late and I disposed of everything. Her bank statements had a monthly charge from her bank which I assumed was from a package. She always had plenty of money in a current account like 24K which should have gone into savings but I was not privy to this information before her death.


She had been diagnosed with a mental disorder a few years before then.


And now I have read that you can still claim. So which is it?

elsien

If she was mentally incapable of managing her finances, who was doing that for her such as a power of attorney? Do they have the information?
If she was doing it all herself, that would suggest that despite the illness she may have had capacity around her day to day affairs.

brenda50

She was living with a well off man who paid all of the bills from his account so it was her pension going in and little going out. Just from a cashpoint when she wanted momey for her cigarettes.

Zanderman

brenda50 wrote: »

When I set about trying to make a claim about 5 years ago, I read on here that it was too late and I disposed of everything. Her bank statements had a monthly charge from her bank which I assumed was from a package. She always had plenty of money in a current account like 24K which should have gone into savings but I was not privy to this information before her death.
She had been diagnosed with a mental disorder a few years before then.
And now I have read that you can still claim. So which is it?

Claim for what? You 'assume' there was a package. You disposed of the records. You don't know what the package was, or even if there was one, and if there was whether it was appropriate or not. You appear to have zero evidence that there is anything to claim for.

eskbanker

brenda50 wrote: »

And now I have read that you can still claim.

The MSE article about reclaiming packaged account charges that's promoted in this week's email unhelpfully fails to mention the fact that banks are able (albeit not obliged) to reject such complaints once beyond the normal industry timescales set by the regulator, i.e.

more than:
(a) six years after the event complained of; or (if later)
(b) three years from the date on which the complainant became aware (or ought reasonably to have become aware) that he had cause for complaint;

Anecdotally, most (perhaps all) such delayed claims are rejected, so as you admit that you were aware of this five years ago, realistically there's no prospect of making a claim stick now....