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Packaged bank account - reclaiming charges

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  • Packaged bank account - reclaiming charges

    Some years ago.......pre money issues and before AAD was even a twinkle in Niddy's eye............I had a packaged bank account with Lloyds bank ( Gold service account)

    I have never had any PPI so never really investigated any reclaiming but have recently read an article with regard to reclaiming packaged bank account charges where accounts were mis-sold or mis-represented etc

    It is not an area I have any knowledge of really

    I just wondered what the opinion was with this when following the UE route?

    I recall ( I think....) the advice was to hold fire on PPI claims when following the UE route until you had reached ( Or just about reached) SB date

    How about with packaged bank account reclaims? The account has long been sold off to a debt purchaser so I am guessing any claim could not really jeopardise and UE status unless claiming would be seen as an acknowledgement of a debt etc ( Which i can see could be an argument)

    Just wondering really......make a claim and see where it goes......or leave well alone?
    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

  • #2
    Good questions and I can't answer them! I think modern accounts are being queried and refunds given, but as for the old Lloyds Gold account or even the platinum, I don't know, just relieved that my very large OD is now SB.
    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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    • #3
      Thanks Cym........I am kind of inclined to let the giant sleep and I wont miss what I don't have........mind you a 500 or so would come in quite handy.......
      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

      Comment

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