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Here below is a template (ok from over MSE) lol but just to give an idea and the template letter (wording can also be changed) if required but this gives an idea of what you can reclaim for basically.........
[Insert your name
and address]
[insert date][insert name and
address of bank
you held your account with]
Dear Sir or Madam,
Account name: [insert account name]
Account number: [insert account number]
I have had the above account since [insert date] but believe it was mis-sold to me. [Insert reason for complaint - see below]
I enclose copies of my statements dating back to when the first account fee was taken out and any related documents. I am writing to request a full refund of the fees I have paid plus any interest owed to me.
I look forward to your response within eight weeks, otherwise I won’t hesitate taking my complaint to the Financial Ombudsman Service.
Yours faithfully,
[insert your signature]
[Insert your name (printed)]
[Insert your name
and address]
[insert date]
address of bank
you held your account with]
Dear Sir or Madam,
Account name: [insert account name]
Account number: [insert account number]
I have had the above account since [insert date] but believe it was mis-sold to me. [Insert reason for complaint - see below]
- I didn’t know I was paying and don’t remember ever agreeing to having this account.
- I was upgraded without my knowledge.
- I was told I would be eligible for travel insurance but later found out I wasn’t.
- I wasn’t told I wouldn’t be eligible for one or more of the insurance policies.
- I was told I had to get the account in order to take out a loan / overdraft / mortgage.
- I was told I wouldn’t be eligible for your fee-free accounts and had to get one.
- I wasn’t told there was an alternative, free account.
- I tried to cancel my account but was forced into keeping it.
I enclose copies of my statements dating back to when the first account fee was taken out and any related documents. I am writing to request a full refund of the fees I have paid plus any interest owed to me.
I look forward to your response within eight weeks, otherwise I won’t hesitate taking my complaint to the Financial Ombudsman Service.
Yours faithfully,
[insert your signature]
[Insert your name (printed)]
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