First Direct is a division of HSBC Bank plc and operates as a telephone and internet-based retail bank in the UK. First Direct offers a variety of bank accounts, including some that come with benefits in return for a monthly fee. These are known as packaged bank accounts.
The First Direct First Directory current account offers benefits including mobile phone insurance, worldwide family travel insurance and breakdown cover. However these features come with exclusions and not everybody may qualify for the insurance policies.
The First Directory account monthly fee is £15, yet some people could have been sold this account without knowing what the benefits are, or without actually being told there is a monthly fee.