Why could packaged bank accounts have been mis-sold

Because the banks are, in effect, actually selling insurance packages in the Packaged Bank Account, they have an obligation to find out if that insurance was useful, competitive and relevant for that customer. Please see below a list of concerns that may just ring a bell with you.
How were Packaged Bank Accounts Mis-Sold::

1. The bank told you that this was the only account suitable for you or that free accounts were not an option.
2. You were not even aware that there was a fee associated with the account that you opened or transferred over into.
3. Nobody told you that that travel insurance may not be right for you i.e. other factors such as age, destination, activity or pre-existing medical condition mean you might not be eligible to claim.
4. You were informed that you needed this account or that having it made it easier to apply for a mortgage, loan or similar.
5. You didn’t know that your mobile phone needed to be registered and that there was an excess to be paid prior to any claim.
6. You tried to cancel the account but were told you had to keep it.
7. You were informed that your packaged bank account could improve your credit rating.
8. You already had cover in place for the bundled insurance products.