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

new2thisStuff

Does nayone know if you can reclaim the charges from Credit Card accounts that you have closed?

donaldtramp

Moved away from Bank of Scotland about a year and a half ago due to outrageous charges just as I finished studying. I've been with A&L happily ever since. After reading up on this on the main site I am keen to have a pop at getting some of my cash back.
My questions are;

Can I still go about getting the money back from them even though the account was closed some time ago? (I don't know the account number or sort code any longer)

If so, how do I go about this? Can I just send in the standard Freedom of information request?

Any help would be appreciated as during my final year studying, they absolutely scalped me for cash:mad:

I would be keen to hear if anyone else has had any success in similar circumstances.

donaldtramp

Sorry folks didn't read the forum properly!
After some determined searching I found my old sort code and account no.

So I've already posted the first letter with the £10 FOI request cheque.

My girlfriend has also posted the same letter and cheque

Hopefully I'll be posting in the success stories next time!
Thanks for your advice
DT

icklejulez

When I was a first year student I was very unorganised and didnt keep track of any account numbers addresses etc. I got into very bad debt in this first year somewhere in the region of 5k and havw finally finished paying it back. Noe I think is the time to start claiming my charges back. I was at uni between sept 2000 and dec 2001 so I need to act quick. My account was closed slightly after this time. I can remember my first year address but not my second which is what I feel will be recorded at the bank. I have tried streetmap but no luck. Without any of these details I feel I'll be wasting precious time in waiting for the bank to reply. Anyone any ideas on what I can do?

Edinburghlass_2

Send off to the bank any details you can remember along with your full name, current address and your date of birth and they should be able to trace your account from that.

icklejulez

For barclays what addresss would it be to find out?

lewt

hi ive had a few CC and bank accounts over the years all been chatge to the hilt. does anyone know the best way to ask for deatails on the accounts. even though ive moved from the address the ones i need are capatal one, nationwide amecan express?

Can i claim for a bank loan i had from halifax?

Thanks if you can help.

nickmack

Yes, you can claim from closed accounts. Follow the instructions then come back with any questions.

http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1141050760,24632,

nuttyrockeress

Can anyone tell me if you have closed the account that you had the charges on, are you able to claim back the money?

My partner and I had a joint account that went over by about £20 - no notice from them to tell us then we received a letter months down the line to say we oved about £200 - Halifax - can anyone help?

achtunglady

Richard_Hodgey wrote:

Hi

WRT Credit Card Charges, does it apply to closed accounts that have been passed onto a DCA and settled?

I am in the same situation but still paying off the DCA, can I claim for the fees added on by the DCA as well??
My default was for £453 but with fees etc it went up to £692.