If you have ever paid a monthly bank fee, you may be owed thousands of pounds. A lot of people have been sold packaged bank accounts yet they have no use for them.

Customers with packaged bank accounts, such as Halifax Ultimate Reward Current Account, pay a certain fee and are offered a range of ‘inclusive’ benefits such as travel insurance, mobile phone insurance and breakdown cover. Many of these customers have paid for services they do not want and simply do not need.

The good news is that you may be entitled to re-claim your money from your bank plus 8% interest.

How do I know if I was mis-sold? Here are ten examples and see if any one of the following applies to you:

1. I was told I had to sign up for the packaged bank account in order to obtain or make changes to another financial product such as a mortgage, loan or overdraft.
2. I was given a packaged bank account without my knowledge.
3. I was not provided with a full explanation of the packaged bank account or told about the full costs.
4. I was told that I would not be eligible for a fee-free account unless I have a packaged bank account.
5. I was told I could claim against the insurance policies when I could not.
6. I was told that my account was being upgraded but it was not explained to me that it was a packaged bank account and there was a cost to upgrade.
7. I was not asked if I had any pre-existing conditions that may have stopped me from claiming against the insurance policy.
8. I was not told that I had to register certain items for them to be covered under the insurance policy.
9. I was not told about an increase in the monthly fee on the packaged bank account.
10. I was told that I had to keep the packaged bank account when I tried to cancel the account.

Examples of packaged bank accounts are listed below: