Claiming banking fees from RBS

Huntcliff68

Hello,

I've had an RBS platinum bank account for over 20 years, and  have realised that I could never use the travel insurance as I have had a chronic medical condition that precedes the account. I've only just realised this because RBS recently sent me an email about the account asking me to ensure that I don't have any pre existing medical conditions that would void the insurance. They didn't mention this when I took out the account, and told me I needed a packaged account to loans and an overdraft. I'm wondering if asking people to check that that the insurance still works for them is a new thing. I have already had PPI from RBS on the grounds of my pre-existing medical condition.  I'm wondering if anyone else has successfully applied to RBS for the refund of packaged bank accounts. Thank you.

Clive_Woody

What does it say in the policy documents about notifying them of pre existing conditions?

grumbler

Clive_Woody said:

What does it say in the policy documents about notifying them of pre existing conditions?

According to MSE guide, it's the bank that should have asked, not the customer that should have notified - 

• Step 2. The mis-selling checklist

Huntcliff68 said:

 I'm wondering if anyone else has successfully applied to RBS for the refund of packaged bank accounts. Thank you.

Does it really matter?  Just follow the quide - you have nothing to lose

elsien

Have you used the other elements of the package that you refer to - loans and overdraft? 

Huntcliff68

Thank you for getting back to me, I have had loans and used an overdraft facility  - but I think that I probably would have got these anyway. I was told that I had to take the account out to get a loan or overdraft and I don't think this was true.