Can I claim back charges off a closed account???

kaybu_9

I've got some accounts (credit cards) where i have closed the account once paid, but their address for me would still be my old address. If i make a claim against these previous credit card charges, will i have to refer to, or even use, my old address ?

Edinburghlass_2

Give them any old addresses that are relevant and your current address.

kaybu_9

OK, thanks

gcholt

Hi, this is my first forum, and it is hugely informative! Help - I have paid so many late charges on store cards M&S, IKEA, John Lewis, etc - Can the same principle work on the stores too? I have just calculated my bank charges on current account with Barclays at £1105 - which would clear my credit card. 2007 is taking back control of my finances....

rabpool56

What do you do if your credit card company has built up £563 debt in your absence all because i was £40 overdrawn before went to work abroad.

carrielouise80

put a claim in to claim them all back.

follow the steps in the header if you have all of the statements etc then just send them the first letter, good luck!

Edinburghlass_2

For credit cards and store cards just amend the wording on the claim letter to say you are claiming late payments or whatever term your c/c uses.

Step-by-step Guides: Bank Charges: Reclaim Your Cash | Top New Bank Account Calculator: Charge them interest Template Letters: (right click and save) Ask for charge details |Initial letter | Second letter | Small claims note Get Updates On Important Changes: Free Weekly Money Tip

wu0msm

I closed my business account with HSBC in November 2003. Is it still possible to claim excess charges on a closed account and how far back can I go?

Edinburghlass_2

You can claim on a closed account and can go back 6 years from the date you send for your statements/data information.

lollujo

Hi, I'm new here and having gone through some pretty serious financial problems over the last 3 years, I am now coming out the other side. I have sent claims to the 3 banks I have had current accounts with for this time, but I also had a number of loans, credit cards and store cards, all of whom have applied a lot of charges over the last 6 years (we actually ended up in arrangements with all our creditors because the we missed a credit card payment, were charged, and the charges snowballed from there, as we paid the first charge, but this meant we couldn't afford to pay some other bills, etc - I'm sure it's a fairly common way for people who are living right on the edge financially to be pushed over.) My question is, can I claim for the charges that were applied to the loans, credit cards and store cards, and if so, is the process the same?

Thanks for your help.