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Is PPI and PBA the same ?
in Reclaim bank & credit card charges
2 replies 134 views
I have just tried to reclaim my fees for a mis sold PBA but it has been rejected as I tried to reclaim my PPI in 2017. The financial ombudsman is saying they can’t help as I received my final decision letter more than 6 months ago but this was for PPI not PBA ???
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PPI is insurance that you pay/paid for purchases made normally on a credit card or loan.
PBA = packaged bank account. It's when you pay a fee to get add ons to your account like travel insurance, RAC, mobile phone insurance.
It's possible that the ombudsman couldn't tell from your letter to them which you were referring to. Particularly if you had both from the same bank.
2023 £1 a day £54.26/365
When you made your complaint, you didn't accidentally use the wrong initials, did you?
You expect most PBA complaints to fail nowadays due to timebar. Maybe the bank sent the wrong template letter by mistake?