Can you go further back than 6 years 31 August 2010 at 10:17PM in Reclaim bank & credit card charges 5 replies 884 views

halphy

My husband has had a Natwest CC since he was 18, hes now 32, he's had charges applied and I am going to try and reclaim them back, the card is still active and is included in a DMP at he moment with CCCS, Can he go further than 6 years, will this be provided in the SAR?

tHANKS

Premier_2

He can request whatever he wants in the SAR but they can only provide details they currently hold. I don't know how long they retain records, but ask for for all details going back 14 years and see what they send.

Hanky_Panky

I don't think you can as the statute of limitations is only 6 years so in the event you are successful you can only enforce payment from them up to the 6 year point.

halphy

Ok Thanks everyone, Ill request SAR for as far as I can go back and see what happens!

Cheers

di3004

Good luck Halphy

I know some have been lucky to receive all data going back into the 90's even earlier.
Fingers crossed.;)

Hanky_Panky

di3004 wrote: »

Good luck Halphy

I know some have been lucky to receive all data going back into the 90's even earlier.
Fingers crossed.;)

The data is not the issue here - they may well have it going back further than 6 years and may even pass it over to the op. Its just following on from that - he is unlikely to get any refund further back due to the SOL.