Packaged Bank Charges 8 April 2021 at 9:44PM in Reclaim bank & credit card charges 7 replies 201 views

Digby1973

Hi, we are trying to claim back charges on a packaged bank account my husband had. Halifax has now come back to say that it's too late as after 6 years since he had account. I think we closed it around 7 years ago. Is this worth pursuing? Would really appreciate some help as I am paying off debt and looking at every option we have.
Thank you.

brettcta

No, they’ve correctly applied a time bar.

move on with your life, there’s nothing more doing here.

dunstonh

 think we closed it around 7 years ago. Is this worth pursuing? 

You cannot pursue it as you can't argue that 7 years ago is less than 6 years ago.

The timebar rules are similar to that in law.  You must complain within 6 years of the purchase/event or 3 years from being reasonably aware of an issue.    Both rules need to be met to comply.     

You say it was closed 7 years ago. So, that means it was opened more than 6 years ago and meets the 6 year timebar rule.    Closing an account is enough to start the 3 year clock.   That was 7 years ago. So, that rule is met too.  Both rules met = timebar allowed.

Digby1973

Thank you very much for your help. Much appreciated. 

babs49

I tried to claim last yr for a refund on package bank account with hailfax go bk over 10yr I got a letter bk saying its over 6yrs and I never conplained about the account and fees yes I did I was always asking them for an account where I wouldnt pay a fee and was told because I had an overdraft I couldnt have one and it was better having this account because soon everyone will be paying to have an account but why have people claimed and its well over the time limit and got money bk and some people cant because it over the time limit dont understand the amount of money halifax had of me and my husband was unreal I never used not one reward that was offered car phone hol insurance so on they really put us in a bad way taking there fee that sent us over are overdraft and then fees for that it just went on and on every month paying fee paying overdraft fee them not enough to cover mortgage direct debit so was charged for that  we was stuck and they new this me and my husband didnt earn alot we was in halifax money trap and gained every month in the end we opened a new bank account and went with another morgage company couldnt afford to pay the overdraft off it was only 100 hundred but we lived in it and to this day we dont have an overdraft and never will any help on claiming some money bk thku any advice would help 

[Deleted User]

That's a really long sentence.

Could you break it up a little or bullet point it?

brettcta

Deleted_User said:

That's a really long sentence.

Could you break it up a little or bullet point it?

I tried to read it and started bleeding from my ear.

punctuation - not even once.

[Deleted User]

babs49 said:

I tried to claim last yr for a refund on package bank account with hailfax go bk over 10yr I got a letter bk saying its over 6yrs and I never conplained about the account and fees yes I did I was always asking them for an account where I wouldnt pay a fee and was told because I had an overdraft I couldnt have one and it was better having this account because soon everyone will be paying to have an account but why have people claimed and its well over the time limit and got money bk and some people cant because it over the time limit dont understand the amount of money halifax had of me and my husband was unreal I never used not one reward that was offered car phone hol insurance so on they really put us in a bad way taking there fee that sent us over are overdraft and then fees for that it just went on and on every month paying fee paying overdraft fee them not enough to cover mortgage direct debit so was charged for that  we was stuck and they new this me and my husband didnt earn alot we was in halifax money trap and gained every month in the end we opened a new bank account and went with another morgage company couldnt afford to pay the overdraft off it was only 100 hundred but we lived in it and to this day we dont have an overdraft and never will any help on claiming some money bk thku any advice would help 

Tou should really make your own post and break it up rather than jumping on someone else's post
My reading of your post is that you opened an account 10 years ago (so fails the 6 year time bar rule). If you have documentary proof that you complained 10 years ago then send a copy to them e.g. the letter you wrote or email you sent. My suspicion is that you simply talked to someone in branch or on the phone and never made a formal complaint. As such you also fail the 3 year time bar rule.
If you look at it from an outsider's perspective, you had an account for 9 years that you were really unhappy with yet never formally complained about until last year? That looks like you are simply jumping on the bandwagon and wanted some free cash. A complaint would hold more weight if you complained much sooner.
Regardless, if the time bar is correctly applied then your case is over.