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


  • dunstonhdunstonh Forumite
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    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.
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • edited 11 May 2021 at 10:51AM
    [Deleted User][Deleted User]
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    edited 11 May 2021 at 10:51AM
    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 
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