Thousands of Packaged Bank Accounts have been mis-sold.

Crystal Legal Services Ltd is a claims management company authorised and regulated by the Financial Conduct Authority.

You do not need to use a claims management company to make your complaint to your bank, and if your complaint is not successful you can refer it to the Financial Ombudsman Service yourself for free

What is PBA?

PBAs are current bank accounts that come with an included “package” of additional features. These features can include “free” travel and mobile phone insurance, better rates on loans and overdrafts, and sundries such as cash-back on selected household bills that are paid by direct debit out of the account.

PBAs are often called “premium,” “gold,” or “reward” accounts. You usually have to pay a monthly account fee for the privilege of having one of these accounts.

PBA mis-selling

When you open a bank account, it’s important that your bank gives you a choice about the type of account you have.

Banks often recommend that customers sign-up for a PBA, which is fine, as long as the account is right for you. Before they are in a position to make such a recommendation, the bank must have a full understanding of your personal and financial circumstances at the time.

Were you mis-sold a PBA?

Some banks used some unfair tactics to persuade customers to take out PBAs. Did you experience any of these?

“31% of those with a packaged bank account said sales staff made account holders feel that they had no other option but to get a fee-paying account.”

UK Market Research Firm, YouGov”

Why claim with Crystal Legal

At Crystal we really want to help you to make a positive difference to your life.
Reclaiming any mis-sold PBA could give you some additional money and we are with you every step of the way.

No Lender Paperwork Required

Lost or no longer have your original paperwork? No problem. We can obtain copies all your paperwork for you, even if your not sure if you've had a packaged bank account.


We have been in this industry for 10 years. In this time, we have gained skills to expertly find PPI and claim it back for you.

Happy Clients

We have helped over 100,000 satisfied customers, who in turn have given us a 4.6 / 5 customer service rating on Feefo.

“80% of packaged bank account complaints referred to FOS have been overturned in favor of the consumer, this means that the banks are rejecting 4/5 legitimate claims”

The Financial Ombudsman**


Most frequent questions and answers

The Financial Ombudsman reported that there were a number of cases where clients did not know that they had a packaged bank account; this was because the paid account was upgraded without their knowledge.

People who have an overdraft might see the word “charge” on their statement and believe that this is an overdraft charge when it’s actually a charge for a packaged bank account.

If you don’t know if you’ve got a paid-for account you can look at your statements for the word charge.

If your packaged bank account had been mis-sold then you should get back all the monthly fees that you have paid plus interest. E.g if you’d been paying £24 a month for 2 years you will receive £24 x 24 (months) £576 + £46.08 (8% interest) = £622.08*

You should receive 8% in interest on any claim, this is because it is predicted you would have made this amount of interest if you had not paid for the packaged bank account.

If your packaged bank account is still active or ended within the last six years then you can set up a claim. If you closed your account over six years ago then it could be a little more difficult. This is because banks don’t need to keep records that are over six years old but because there is no cut off if you still have your paperwork then you can still set up a claim.

PBA Enquiry form

Simply fill in this quick form and one of our friendly and professional advisers will call you back.

* 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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Crystal Legal Services Ltd, Gawsworth House, Westmere Drive, Crewe, CW1 6XB.

Crystal Legal Services Ltd is a claims management company Authorised and regulated by the Financial Conduct Authority.


Company registered in England and wales. Company registration 6837474. Registered office: Fairfield House, Back Lane, Spurstow, Tarporley, Cheshire, CW6 9TE.

You do not need to use a claims management company to make your complaint to your bank, and if your complaint is not successful you can refer it to the Financial Ombudsman Service yourself for free.

*Consumer Group Which? “UK Market Research Firm, You Gov **The Financial Ombudsman ^Figures correct as of March 2019.