Template letter for packaged bank account claims

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INSERT YOUR ADDRESS

For the attention of: INSERT NAME OF YOUR BANK

Reference: BANK ACCOUNT NUMBER

I have /had (delete as applicable) a INSERT NAME OF BANK ACCOUNT with you and believe I was mis-sold this account for the following reasons:

Delete any points which are not relevant to your claim

  • I felt ‘obliged’ to take out a packaged bank account and was told that it was my only available option
  • I was not told that I could have a free account instead
  • I was told that I had to have this bank account in order to get a loan or mortgage with you
  • I was told I would get a better deal on my mortgage or loan if I took out this packaged account
  • The account came with breakdown cover but I do not have a car
  • I was not told that I wouldn’t be able to claim on travel insurance due to my age (over 65s usually)
  • I was not told that I wouldn’t be able to claim on travel insurance due to an illness or a pre-existing medical condition
  • My bank account was ‘upgraded’ without me being notified
  • I wasn’t given enough explanation about the pricing and overall costs of the bank account
  • I tried to cancel the account and was told that I couldn’t
  • No-one told me that I had to register my mobile phone or car for the insurance to be valid

If my complaint is upheld I would like a refund of all fees paid for this account from INSERT DATE ACCOUNT WAS OPENED.

I would also like to be transferred to your standard free current account with immediate effect.

I enclose copies of my statements detailing payments made. (THIS IS USEFUL EVIDENCE BUT DON’T WORRY IF YOU DON’T HAVE THEM)

Yours faithfully,

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Sarah Willingham
Sarah Willingham is a serial entrepreneur, business investor and leading consumer expert. She has received a number of accolades for her contribution to business including The Sunday Times 500 Most Influential People in Britain 2016, The Times 35 Most Successful Women Under 35, Business Weekly’s Young Entrepreneur of the Year, Courvoisier Top 500 and an entry into the Who’s Who of British Business Leaders. She holds three business degrees including an MBA from Cranfield School of Management, where she is also an advisory board member.