Bank of Scotland

Bank of Scotland

Was your Bank of Scotland PBA Mis-sold?

Recent investigations into the Packaged Bank Accounts market have revealed that these types of accounts don’t always offer the best value of money and with an increase of packaged bank account complaints on the increase it could be the next mis-selling scandal. Therefore, if you were a policy holder of a Bank of Scotland PBA, you could have been mis-sold.

A Packaged Bank Account (PBA) also known as paid bank accounts and bundle bank accounts that come with a range of benefits such as travel insurance, mobile insurance, and car breakdown cover.

PBA Mis-sell Reasons:

When the Bank of Scotland sold customers a Packaged Bank Account (PBA) it was their responsibility to ensure that all the benefits sold with the account were right for them.

  • The reasons why Bank of Scotland might have mis-sold you your packaged bank account:
  • The Bank of Scotland told you that you had to have a packaged bank account. E.g. in order to get a loan, credit card or mortgage.
  • You were too old for the insurance policies and the Bank of Scotland did not make you aware.
  • A pushy Bank of Scotland salesman pressurised you into taking out the account and didn’t feel that you could say no.
  • The Bank of Scotland increased the price of the packaged bank account without informing you.
  • The Bank of Scotland ‘upgraded’ you to a paid account without your knowledge.
  • The Bank of Scotland did not explain the exclusions of the insurance policies. E.g. You did not know that you need to register your mobile phone/car.

If any of the above statements apply to you then you could have a mis-sold packaged bank account complaint then next step is to find evidence that you have paid for a packaged bank account and that it was mis-sold. If you’re unsure if you’ve got a packaged bank account then you can check by looking through your statements to find the name of the account.

Bank of Scotland PBA Packages

The Bank of Scotland has sold a range of Packaged Bank Accounts over the years. Here is a list of some of the paid for accounts that they have sold:

Silver Account

£9.95 a Month

  • European Travel Insurance
  • AA Breakdown Cover
  • Mobile Phone Insurance
  • Sentinel Card Protection

Gold Account

£12.95 a Month

  • Worldwide Travel Insurance
  • AA Breakdown Cover
  • Mobile Phone Insurance
  • Sentinel Card Protection

Platinum Account

£17.00 a Month

  • Worldwide Travel Insurance (family)
  • AA Breakdown Cover
  • Mobile Phone Insurance
  • Sentinel Card Protection

Premier Account

£25.00 a Month

  • Worldwide Travel Insurance
  • AA Breakdown Cover
  • Mobile Phone Insurance
  • Sentinel Card Protection
  • AA Home Emergency Cover

Lost Bank of Scotland Paperwork?

We understand that you may have lost or disposed of your paperwork because you did not expect that you would need this information to make a complaint to the Bank of Scotland. But don’t worry with our Sure-Claim package we can obtain all the paperwork required to build you a strong case.

Simply complete an online form and we’ll call you back or call us on 01270 44 66 44 and we’ll get a Sure-Claim set up for you.

PBA Form

Simply fill in this quick form and one of our friendly and professional advisers will call you back.
  • We only need the first part, CW1 for example. This helps us match you to your referrer.
*By submitting this form, you indicate your consent for Crystal Legal Services to contact you via the information provided in this form. For more information about how we use your information please read our privacy policy:
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