Reclaiming fees from closed account - possible?

hallsy85

I had an account with Natwest throughout the course of 2000-2007, throughout university. Having run up a £1,800 overdraft, i stupidly neglected to pay anything into the account, and as a result have had it closed. Trying to pay this back at £100 a month, and have tried to reclaim on this account before, but was told the court cases meant they wouldn't be reviewed. When i originally estimated this, i was owed around £1,000 in fees!

Is there a few i can claim for an account that's been closed? I'm sure i can find out the account number etc, but wanted to get people's advice/feedback first.

Thanks guys!

TG82

Yes.

You need to find your account number and then download the template letter on this website where you ask for a list of charges under law. It's very easy and all written for you minus a few of your details.

Send it off to the data protection officer - I'm not sure of the address but google 'list of charges for reclaim address to send to' - something along those lines - and you'll find a list of all the different banks' data protection addresses.

Send off the letter with £10, which is the maximum they're legally entitled to charge you. If you haven't the money, try without, but don't be surprised if they request a payment to delay the process :rolleyes:

They aren't legally obliged to send you statements, but they ARE obliged to send you a list of all charges dated back as far as you want to go, which is easier for you anyway (although from personal experience, it's difficult to get them to co-operate if it's prior to July 2001:rolleyes:). Having said that, better to see the statements to check that they've included everything, so maybe request them as well. If you've paid, then logically it's harder for them to refuse to send you statements.

The letter gives them 40 days to reply. If they haven't replied by that time, seek advice on this board (which I'm trying to do for my brother who's in a similar situation to yourself).

hallsy85

Thanks TG - i've drafted and printed a letter, which i'll send out today Fingers crossed!