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

scotters

Hi guys....new years resolution to get some of these charges back!

However, I have hit a bit of a problem - I've closed down a number of my accounts and have no details for them. Will I still be able to claim? And how do I get my account numbers?

Thanks!

greendale9061

Good Afternoon,

I have a querry. I was with Natwest bank for 12 years and found myself to be a very loyal customer until I got a mortgage with them. I actually closed all my accounts with them over charges in 2004. Can I still make a claim off them? I did have 2 current accounts, 1 mortgage account, 1 reserve account and 1 credit card. On each account I have been overdrawn/had late payments on them. When I moved to HSBC I destroyed all my paperwork and there for don't have a clue of my account details - I know my branch address + sort code. Need help - as Im now a student the money will be great to buy some reference books and maybe a laptop :-)


Firstly can I claim without being a current customer?

Secondly How can I found out my account details before I proceed?


I have a rough figure in my head of about £1-2k they may owe me.


Many Thanks
Kate :-)

wattapain

Hi, am trying to get my son to reclaim his bank (Barclays:mad: ) about £1400:eek: , and credit card (halifax :mad: :mad: ) £500'ish :eek: .
But one thought. Re the initial letter ( he already has all his statements - amazingly he'd kept them - althought they were frequently unopened & stuffed at the back of the drawer :rolleyes: ),

I do not believe these charges reflect the true cost to [INSERT NAME OF BANK] of going into unauthorised overdraft.

Does he still put this about unauthorised overdraft? I just thought there would be slightly different wording here.
Any advice would be very useful.
Many thanks to all you amazing DFW's :beer:

Terri

tory_2

Hi
I was wondering if i am able to claim charges back even if i have closed the bank account??? :rolleyes:

nickmack

tory wrote:

I was wondering if i am able to claim charges back even if i have closed the bank account??? :rolleyes:

Yes, you can!

tory_2

lovley thanks very much.

smileypigface

6 years ago I operated an Abbey Current Account (a little badly!) - closed it a couple of years ago ... moved to A&L to get £50 bonus and good interest rate for a year ... then once I'd had my year of good interest rate I opened a new Abbey Account (which I use now).

How do I find out my original current account number - my new account is blemish-free but I know there are charges on the old account. Unfortunately I took the whole 'home shredder' thing a bit far .. coupled with a 'life laundry' book and can't find any reference to my old account anywhere!

Any suggestions greatly appreciated.

Edinburghlass_2

Send them your name, address at the time and your date of birth will help them trace your account.

smileypigface

Thank you for moving my not very unique question to a relevant thread ... sorry, I should have dug around a bit longer and found this one before starting a new one!!!

Thanks for the reply - I'll give it a bash!:D

Spinxy

since reading about claiming back unfair bank charges to which i think i will be able to claim back thousands, i would like to know the best away of retreiving old/current records!!

Banks:
Barclays
Natwest
Nationwide

Credit Cards:
Morgan Stanley
Virgin (MBNA)
Citi Cards
Barclays
Egg (now closed was converted into a egg loan)
Egg Blue (now closed was converted into a egg loan)
Royal Bank of Scotland (closed paid in full via RMA debt collections)

any advice on collating all this info will be most helpful!!!
i can't wait to see how much i can claim back!!!!

Thanks