I have been on to my bank Lloyds, regarding the potential refund of Account Fees paid for services ie insurances, AA cover etc. I understood that these charges were deemed to be illegal and should be refunded. My bank tells me that they cannot refund the amounts which are considerable as there is no evidence that the various accounts (e.g Gold and Platinum) were miss sold. Obviously my recollection of the original transaction in 2000 is vague but I do know that subsequent upgrades to the accounts were automatic along with the increased charges. We accepted that the upgrades were supposedly to our benefit. During the the time we had the potential benefits we did not take advantage of any of the separate covers except, though I am not sure as they mentioned the AA, but I cannot remember when. Could you along with your recommendation please let me have a copy of the legislation covering this particular situation. Thank you Duncan xxxxx email: xxxxxxxxxxxxxxxxxxxx
The payments were made between 2000 and 2010 to two accounts One in joint names and one in my name. I think that the bank is somewhat liable in that we were not given the option of declining not that we would as according to what I understand the refund depends on usage of cover, that if the services were not used then a refund could be applied for.
Are you due to make a reply
Thank you. Do you think I have a good chance of winning?Also where can I get the legislation with regard to refunds as stated by the Government.