Co-Operative Bank Packaged Bank Account Claim

Have you ever had an Packaged Bank Account with Co-Operative Bank?

Our biggest Packaged Bank Account win with Co-Operative Bank is £2,165.74

Our average Packaged Bank Account win with Co-Operative Bank is £865.35

If you answered yes to the above question there is a chance that your Co-Operative Bank Packaged Bank Account policy was mis-sold and you could be due compensation.


What is a packaged bank account?

A packaged current account is an account held with your bank that gives you a range of features and benefits in return for a monthly premium.

These features usually include mobile phone insurance, car breakdown cover, general gadget cover, interest free overdrafts and travel insurance.

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How do I know if I was mis-sold a Co-Operative Bank Packaged Bank Account?

You had the same levels of cover elsewhere

Packaged accounts offer many services such as mobile phone insurance, breakdown cover and travel insurance.

Many consumers already have these insurances elsewhere and do not need the cover through the account, or could purchase stand alone cover at a more competitive price.

You may not have needed the services included

Most accounts included car breakdown cover, if you do not have a car, this negates the need.

The same can be applied to lower value pay as you go phones. Usually the excess on the policy is higher than the value of the device.

You were told you had to have the account

Some consumers were told that they had to have a packaged account in order to get to obtain other products.

An example of this would be being told you had to take out a packaged account in order to get an overdraft or bank loan.

Unknown Exclusions

Many untold exclusions are placed in the wording of the terms and conditions.

This includes having to register your mobile phone, a maximum payout cap, travel insurance limitations and different excess amounts dependant on phone make/model.


If you were sold a Packaged Bank Account, you could be eligible for:

A full Refund of the monthly fees paid

An additional 8% Compensatory Interest

You do not need to use a CMC to make a complaint to a lender or other compensation scheme, such as the Financial Services Compensation Scheme (FSCS). If your complaint is not successful you can refer it to the Financial Ombudsman Service (FOS) yourself fee free.


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Unlike other companies we have no extra costs we’re not telling you about.

High success rate

We have a very high success rate spread across many thousand happy customers.

Fast turnaround

We want to win your claim, fast. We don’t get paid until you’ve been paid.

Proven track record

Our experience goes a long way, we’ve won thousands of cases in our time.

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We claim against the following Packaged Bank Account providers plus many others

Bank of Scotland | Barclays | Clydesdale Bank | Co-Operative Bank | Halifax | HSBC | Lloyds | Nationwide | Natwest | Royal Bank of Scotland (RBS) | Santander | TSB | Ulster Bank | Yorkshire Bank

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