Packaged Bank Account Refund: Claim Mis-Sold Fees Back

By the eLitigant Editorial Team · Reviewed for current forms, fees & procedure · How we check our guides

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Quick answer: If you pay (or paid) a monthly fee for a packaged bank account that was mis-sold — you couldn’t use the benefits, weren’t told you could have a free account, or were led to believe you had to take it — you can reclaim the fees plus 8% interest. Complain to your bank; if unhappy, escalate free to the Financial Ombudsman Service.

Packaged (paid-for) current accounts bundle perks like travel or mobile insurance for a monthly fee. If those perks were useless to you or weren’t explained, the account may have been mis-sold.

What is a packaged bank account reclaim?

A complaint that a paid-for account was mis-sold — for example, you couldn’t benefit from the insurance (age or medical exclusions), you were told you had to take it to get a loan/overdraft/mortgage, or you weren’t told a free account was available. The remedy is a refund of the monthly fees, with 8% interest.

Who can complain & when

Anyone who has paid monthly packaged-account fees and believes the account was mis-sold to them.

Deadlines & key rules

Complain to the bank in writing — it has up to 8 weeks to give a final response.
If rejected or unsatisfactory, refer to the Financial Ombudsman Service within 6 months of the final response — free.
Generally you can reclaim up to 6 years of fees (or six years from when you realised there was a problem).

How to complain — step by step

Gather the account details and roughly when and how you were sold it.
Set out why it was mis-sold (benefits unusable, told it was required, free account not offered).
Ask for a refund of all monthly fees paid, plus 8% interest.
If unhappy with the final response, escalate free to the Financial Ombudsman within 6 months.

How Chris helps

Tell Chris how the account was sold to you and Chris drafts your complaint to a high, professional standard — you check, sign and send. Not a law firm. No middleman, no commission — free to start. Claims management companies typically take a cut of your payout — often 10% or much more — simply for filling in a form for you. eLitigant is not a claims management company and not a law firm: Chris drafts your complaint to a high standard, and you just sign and send it yourself. No commission, no calls, no chasing — and you keep 100% of any refund or compensation.

See it done — a packaged-account complaint, drafted in minutes

A packaged bank account reclaim complaint, drafted to a high standard — Chris builds it from your facts in minutes. Scroll the sample below.

DRAFTED BY CHRIS · sampleSCROLL ↓

Ian Forbes

To: Customer Complaints, Sample Bank plc

Complaint — mis-sold packaged bank account, account ending 4821

Dear Sir or Madam, I am complaining that the paid-for packaged account I have held since June 2014, at £15 per month, was mis-sold to me.

1. The benefits were not properly explained, and I was led to believe I had to take the packaged account to be approved for my overdraft.

2. I could not use key features — the bundled travel insurance excluded me because of my age and a pre-existing condition.

3. I was not told I could hold a free current account instead.

I ask you to refund all the monthly fees I have paid, with 8% interest.

Please treat this as a formal complaint. If I am not satisfied with your final response, I may refer the matter to the Financial Ombudsman Service free of charge.

Yours faithfully, Ian Forbes

Illustrative sample with fictional names and details. Chris drafts yours from your own facts; you check, sign and send.

Draft my document →

Last reviewed: June 2026 · UK-wide · CIC No. 16566612 — not a law firm, not a claims management company.

Contains public sector information licensed under the Open Government Licence v3.0.

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