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

Rex_Mundi

One letter (and one £10 fee) with all the account numbers you hold with that bank is suffice.

You can claim for any accounts you've held in the last six years whether the accounts are open or closed now.

lawtz04

Hi Guys

Ive currently got an account with HSBC, and I've used Martins Very useful 1st stage template letter to send to them to reclaim charges. Nothing back yet but that was only a week ago.

My problem comes here. In the last 6 years Ive had bank accounts with Barclays, Alliance and Leicester and also a Credit card with A & L.

Can I still claim charges I had from these even though I no long have them?

Also, if I can whats the best way to do this? I dont have any of the old account numbers or statements. Should I send them the letter I sent HSBC (except ive no account number), or Ive heard something about a moneyclaim.gov website? Any advice on dealing with this anyone?!?!
Thanks!!! Si

MARTIN YOUR A LEGEND!

babyina

HSBC closed my bank account down when i went on maternity leave as i had trouble paying back my overdraft. Can i still make a claim about my charges etc over the last 6 years even though they have closed my account down???

Please can someone help??

Lemon_Jelly_2

I think I saw this question asked when I searched, just have a search and see what pops up.

Edinburghlass_2

If you no longer have the account number etc of your closed accounts, send off the initial letter asking for all info held on you and give your name, date of birth and any relevant addresses pertinant to the time you had your account with the bank.

The Reclaim Bank Charges Resource Bar <table style="border: 1px solid rgb(0, 0, 0);" _base_target="_blank" cellpadding="2" width="100%"> <tbody _base_target="_blank"><tr _base_target="_blank"> </tr> <tr _base_target="_blank"><td style="color: black; font-family: Verdana; font-size: 9pt;" _base_target="_blank"> Step-by-step Guide: Reclaim Unfair Bank Charges Calculator: Charge them interest Template Letters: (right click and save) Ask for charge details, Initial letter, Second letter, Small claims note Article: Top New Bank Account</td> </tr> </tbody></table>

lewt

hi i was with capital one 5 years ago and got into bother with charges i have no record of it except the adress i had at the time 2001 the template letter i was going to send asks for accoun t number which i dont have can some help me with it plese or direct me to a place that can cheers..

cheekysmiler

hi all

im wondering if i can claim back bank charges that are about 5 years old. I dont have any of the paperwork that they sent me each time i got charged. It was the clydesdale bank. I closed the account due to having a really hard time with them and charges probably totalling £600-£800.

Do i just send off one of the template letters and hope for the best. Im sure I will be on their system somewhere as an ex-client.

Any help would be appreciated.

Cheekysmiler

Edinburghlass_2

Send off the first letter asking for the information held on you and give your name and any relevant addresses along with your date of birth and they should be able to find your account.

cheekysmiler

thankyou.

have completed the letter and will get it sent off.

cheekysmiler

omissimo

Hi guys,

So you can claim back your charges even on closed accounts but what if the bank sold those accounts to a debt collection agency, can you still follow the same process?

I had (have) a Barclays student account £2500 and credit card £900 (most of which is charges) and both debts have been sold to a collection agency. I asked the agency dealing with the credit card for a break down of interest and charges incurred before I even stumbled accross this process, just for my own information. The agency said they would get me the info within 21days although it could take up to 8 weeks, that was in August! Can I take any legal action because they haven't kept their word? Should I just contact Barclays directly about the charges or do I have to go through the agency? If I go through the agency do I need to make any amendments to to the letter templates?

Any help or advice would be greatly appreciated.