Over 6 years.

barloo69

Quick question on something I have done a bit of research myself but unfortunately can not find a definitive answer so I thought I would post up to see what answers I get.

I have a very old Credit card that I cancelled approx 9 years ago. Now Im aware that in English law Im tied to 6 years (scotland 5) but Im sure in my quest I found a site which said the legal wording was infact 6 years since the charges OR 3 years since the discovery that the charge was in fact illegal. (or words to that effect)

Have tried in vain to find this site again but to no avail. :mad:

Any clarification on this point or anybody know for sure whether or not this is possible ?

Incidentally, I did stumble across the Thrifty scot site which mentions you can reclaim over 6 years but you need the statements detailing the charges for this.

bengal-stripe

barloo69 wrote: »

the legal wording was infact 6 years since the charges OR 3 years since the discovery that the charge was in fact illegal. (or words to that effect).

But...........those charges are not illegal!

natweststaffmember

barloo69 wrote: »

Quick question on something I have done a bit of research myself but unfortunately can not find a definitive answer so I thought I would post up to see what answers I get.

I have a very old Credit card that I cancelled approx 9 years ago. Now Im aware that in English law Im tied to 6 years (scotland 5) but Im sure in my quest I found a site which said the legal wording was infact 6 years since the charges OR 3 years since the discovery that the charge was in fact illegal. (or words to that effect)

Have tried in vain to find this site again but to no avail. :mad:

Any clarification on this point or anybody know for sure whether or not this is possible ?

Incidentally, I did stumble across the Thrifty scot site which mentions you can reclaim over 6 years but you need the statements detailing the charges for this.

I think the word you were looking for is UNLAWFUL as illegal is criminal court and bank charges is civil court. Any link to that site cos as it is 9 years old then I would doubt you would get passed the Statute of Limitations unless you are arguing s32 concealment which is a very difficult argument to make and I haven't seen any successes on any forums.