Time limit 10 May 2021 at 8:45PM in Reclaim bank & credit card charges 2 replies 62 views

Busman16

Could some please tell me what the time limit is from asking you bank about a packed account to then going to the ombudsman ?

dunstonh

You have to complain within 6 years of the event or 3 years from being reasonably aware of an issue in the first place.
Then you get 6 months from the complaint response to refer it to the FOS.

[Deleted User]

As above, 6 years from taking it out and 3 years from knowing, or when you could reasonably have known, you had a reason for complaint. Any annual statement from the bank on the package account benefits/costs where they cover alternative accounts starts the 3 year rule ticking along. Most, if not all, accounts older than 6 years will be time barred on both rules and even new ones the bank will have a very strong case that you were given all the benefits and will defend any complaint above their auto-pay limit