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Bank has kept my graduate account for longer than 3 years

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While doing a little bit of account management today in online banking, I noticed that my current account is still a higher education account, which provides a fee free arranged overdraft. This account is only meant to last for 3 years, but it's lasted for nearly 6.
I often use my arranged overdraft (though I'm going to be paying it off soon) and I figure over the last 3 extra years I've used this account, I probably owe the bank a fair amount in overdraft fees.
My question is, if I inform the bank that I no longer meet the criteria for the higher education account, and if they then realise my account wasn't switched to a standard current account when it should have been, can they charge me for overdraft fees retrospectively?

I can't find out any information about this from their website. It just says that after 3 years, you'll be moved to another current account. That appears to suggest that it's automated and I don't have to inform them myself (I mean, why would the onus be on me to inform them that 3 years have passed??) 

Anyone have any experience or advice in this? Much appreciated! 

Comments

  • Normally student accounts have a fixed term of 0% interest. So if the account was for 3 years I think in total you get 4 years no interest. Could you let us know what account it is and who it is with.
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Most likely the bank simply hasn't got round to implementing the change. Other issues have been prioritised first. 
  • Oren
    Oren Posts: 21 Forumite
    Third Anniversary 10 Posts Name Dropper
    Thank you, the account is with Barclays and it's a Higher Education account
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