Reclaiming Charges if account is closed

philgeorge

Hi All,

My first bank account was with Halifax when I was 16 and I got charged the £30 odd more or less every month. I left Halifax and closed the account around 4-5 years ago, so am I still able to go back and claim the charges? I may have the account details somewhere, but if I haven't are the bank required to send me the information?

Thanks for your help!

Phil

natweststaffmember

philgeorge wrote: »

Hi All,

My first bank account was with Halifax when I was 16 and I got charged the £30 odd more or less every month. I left Halifax and closed the account around 4-5 years ago, so am I still able to go back and claim the charges? I may have the account details somewhere, but if I haven't are the bank required to send me the information?

Thanks for your help!

Phil

The bank are required to send you the details from 27th July 2001 under the FSA Waiver on bank charges. You need to provide as much information as possible for them to do so, bank branch(would be useful), date of birth, address and postcode at the time, etc,etc,
Were you 18 years old when you first incurred charges?

philgeorge

natweststaffmember wrote: »

The bank are required to send you the details from 27th July 2001 under the FSA Waiver on bank charges. You need to provide as much information as possible for them to do so, bank branch(would be useful), date of birth, address and postcode at the time, etc,etc,
Were you 18 years old when you first incurred charges?

Can't really remember, but I wouldn't have been far off, yes. Do I use the template letters as a start and write to the bank first enclosing the information above?

Thanks for your help!

natweststaffmember

philgeorge wrote: »

Can't really remember, but I wouldn't have been far off, yes. Do I use the template letters as a start and write to the bank first enclosing the information above?

Thanks for your help!

Yep, its the one asking for your details. Do you have the link? Or shall I get it for you?

philgeorge

natweststaffmember wrote: »

Yep, its the one asking for your details. Do you have the link? Or shall I get it for you?

If you could point me in the right direction that would be great! Having thought about it some more, I was probably between 16 and 18 when the majority of the charges kicked in. Would that affect things?

natweststaffmember

philgeorge wrote: »

If you could point me in the right direction that would be great! Having thought about it some more, I was probably between 16 and 18 when the majority of the charges kicked in. Would that affect things?

Oh yes indeedy we will be looking closely at those charges firstly.

philgeorge

natweststaffmember wrote: »

Oh yes indeedy we will be looking closely at those charges firstly.

Great, which letter do I need to send off?

natweststaffmember

http://www.moneysavingexpert.com/reclaim/bank-charges#step1