packaged bank account fee refund
in Reclaim bank & credit card charges
4 replies 181 views
Hi, Just tried getting my packaged bank account fees back with halifax which was miss-sold in order to get a mortgage. Followed the resolver template. They havent said that they disagree with the miss-selling but im out of time as I should have cancelled within 6 years of taking out the account. Also they say they sent an update every year of fees and what the account covers. So no refund. Does this sound correct? (they established I did not benefit/claim in over 10 years for any of the benefits available).
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Yes. it is totally in line with expectation and meets the rules.
The 3 & 6 year timebar rule requires both rules to be met to allow your complaint to rejected as a time bar. That is 6 years fro the date of sale AND more than 3 years from being reasonably aware of an issue. The annual benefit statements are sufficient to start the 3 year clock. Hence you are timebarred.
They also established that they have been telling you annually that you can change your bank account if you wish.