Most displeased that my Santander reward bank account has been changed and I wondered why. Packaged account mis-selling victims can claim - Money Saving Expert I didn't use the breakdown cover as it's free with my car, sweet I can have all the money back. What are you due? The Ombudsman says where an account has been inappropriately sold, consumers are entitled to all the cash they've paid for the account back, even if they are eligible for one or more of the insurance policies. From the Ombudsman's limited experience it only handled 100 cases last year as the issue only recently came onto the radar it says some banks only agree to refund a year's worth of payments, but they should refund everything paid. An Ombudsman spokeswoman says: "If a consumer feels they did not know they had a packaged account or was not suitable for it, they should raise a complaint."