Package Account Fees - Halifax Ultimate Reward
My father in law is not very well so I’ve been asked to go through his accounts and get everything in order for him, whilst looking through I’ve found he has had a Halifax Ultimate Reward Account for several years, presently paying near £17 a month in fees! Usual carry on, he doesn’t drive so AA cover is of no use, he hasn’t been abroad since the 1990’s so the travel insurance is of no use, and he’s not a fan of technology so he has a basic old school Nokia phone that isn’t insured.
I’ve dealt with Natwest & HSBC before but never Halifax. Has anyone had success with them in claiming back package account fees? Is seems quite clear that he should not have been sold this account and it would be nice to get some of the fees back for him.
Did you know there's an MSE app?
It's free & available on iOS & AndroidMSE App
Regifting: good idea or not?
Add your two cents to the discussionMSE Forum
Energy Price Guarantee calculator
How much you'll likely pay from AprilMSE Tools
That said, some still do get considered. So, all he can do is put a complaint in and see what happens.
They won't deal with you without some authority.
They wouldn't have taken it out as they don't travel abroad, have a £10 cheap phone, have car breakdown cover elsewhere etc etc. The bank were supposed to write explaining why this charge has/is still happening as it wasn't requested. Phoned today but getting stalled again. A letter was typed yesterday but they won't tell him what is in the letter. Quite a few errors happening with this bank of late such as putting BUSINESS ACCOUNT on top of personal account letters. He was told that he authorised this on-line but he's never done on-line banking in his life.
Have raised a formal complaint. Been told that they have 8 weeks to deal with it but had been told that he would be contacted with an explanation after 4 weeks - that was in October.
You can't not take out the packaged account if you see what I mean, it's opt in - as in, you apply for it online (you don't need online banking to apply for the account) or phone - they cannot and do not just move you onto the chargeable premium plans (it's obvious that you would be paying it every month so moving people onto them wouldn't make sense), so your partner would have taken it out
8 weeks is the deadline before you can go to the FOS, not them to deliver a formal response (they may have different internal deadlines) - you can thus refer it if you like now.
That said, if they have been sending out the letters to remind you of the packages annually, you may well find they are time barred depending on when the account was opened.
I would recommend waiting for the letter to see what they come back with e.g. they may pay something, may refund the lot, or may reject it after which time you can go to FOS