Bank Of Scotland

youngretired

If they have online banking then you can also view these annual statement of fees in the inbox of their online account.

Zanderman

youngretired said:

If they have online banking then you can also view these annual statement of fees in the inbox of their online account.

OP has already stated that online banking is not used. 
The point being made above is that these fees are confirmed in a letter, sent by post, every year.

Zanderman

Just to add, the OP states that their OH only noticed when the bank contacted him to say the account would no longer be suitable because of his age. I'm guessing, therefore, that perhaps the account is the BoS Platinum account which, according to BoS's website, loses the worldwide travel cover at age 80.  Which suggests the gentleman in question might be nearing 80 (OP do correct me if I'm completely wrong).

Now, at risk of being ageist here, I would suggest that, in my experience, some (not all!!) elderly people do not check their bank statements thoroughly enough.  But they might think they do.   My elderly mum, when in her 70s (this is some 10 years ago now), swore blind that she always went through every statement and everything was fine.  But when one day I managed to get her to sit down and go through them with me it turned out she was paying DDs every month for stuff she never used, and had been paying some for many many years!

Not big stuff, but silly stuff, like a monthly payment to PCWorld for technical help with a computer that she'd given away years before (and didn't ever switch on when she had it).   This was written-off money.  She had signed it away, forgotten she signed it away, 'checked' her statements monthly but failed to comprehend them.  For her it wasn't, financially, a big issue, she had enough pension to cover these things, at that scale. But it was throwing money away without her noticing. 

She also didn't read the letters (she only 'read' the statements) from the bank, just let them pile up.  Eventually binning them, as she thought the statements were the only thing worth keeping.

I'm just saying these things are not unusual.  But, in her case at least, nothing was the bank's fault.

sheramber

Ted_Head said:

sheramber said:

. He is asking for details of where this was set up - they claim at his branch where he opened his account which is 250 miles away as we have since moved. This has been charged for the past 10 years - I know he should have noticed this before now. He would not have travelled 250 miles to change to the different account that he is now being charged for and it appears he has been for the past decade.

What account did he have before this account was opened?
Presumably, he has been using this account  so what happened to the account he had before it?
Or was his original account 'upgraded ' to the current one.?

We moved 260 miles away from our original branch but did not change branches.
Although we used the local branch all new accounts opened since then still have the original branch address on them, despite the fact that we have not set foot in it  14 years.

It seems that this was upgraded and he has been told it was done in his branch where he opened the original account.
He's asked for evidence of this and has yet to receive anything at all in writing from the BOS which he has asked for repeatedly since last Oct.

I have read the thread.
I am saying that while we have not set foot in our registered branch for years the branch information given on any document is the registered branch even although the transaction has been made in our local branch.
So it may have been assumed that it was done on the registered branch because that what is shown against  the account.

When we upgraded an RBS account to a reward one we did not sign anything. It was done online by the teller in our local branch but the account was still  registered at the original bank.
A loan taken out at the new branch was shown as with the registered branch.

Ted_Head

Zanderman said:

Just to add, the OP states that their OH only noticed when the bank contacted him to say the account would no longer be suitable because of his age. I'm guessing, therefore, that perhaps the account is the BoS Platinum account which, according to BoS's website, loses the worldwide travel cover at age 80.  Which suggests the gentleman in question might be nearing 80 (OP do correct me if I'm completely wrong).

Now, at risk of being ageist here, I would suggest that, in my experience, some (not all!!) elderly people do not check their bank statements thoroughly enough.  But they might think they do.   My elderly mum, when in her 70s (this is some 10 years ago now), swore blind that she always went through every statement and everything was fine.  But when one day I managed to get her to sit down and go through them with me it turned out she was paying DDs every month for stuff she never used, and had been paying some for many many years!

Not big stuff, but silly stuff, like a monthly payment to PCWorld for technical help with a computer that she'd given away years before (and didn't ever switch on when she had it).   This was written-off money.  She had signed it away, forgotten she signed it away, 'checked' her statements monthly but failed to comprehend them.  For her it wasn't, financially, a big issue, she had enough pension to cover these things, at that scale. But it was throwing money away without her noticing. 

She also didn't read the letters (she only 'read' the statements) from the bank, just let them pile up.  Eventually binning them, as she thought the statements were the only thing worth keeping.

I'm just saying these things are not unusual.  But, in her case at least, nothing was the bank's fault.

No, he is not nearing 80.