Bank Charges. Need Some Help!

Johnw_2

Hi.

I have held bank accounts with HSBC & Halifax when going through college (within the past 6 years) and was constantly charged for various things but the vast majority was for being overdrawn etc.
I managed to overhaul my finances somewhat and closed down the accounts with the above banks as I no longer needed them.

Does anyone know a way of getting details of the charges the above banks even though the accounts are closed. Also if I ask my current bank for details of all charges within the past 6 years am I entitled to them?

Finally does this work for loans & credit cards also or is this just exclusive to bank charges?

Thanks for your help

John

Johnw_2

Further more I do not have any of the statements from my previous banks either and only the past 12 months from my current bank:o

beechville96

Hi,
No problem here.You can still demand details of closed accounts for the last six years.Look in the forums and get a Data Protection(SAR) letter sent to all the banks.If you have problems let me know and I will send you a template that I used with good effect sent to you by e mail if you let me have your e mail address

sgx.saint

Finally does this work for loans & credit cards also or is this just exclusive to bank charges

Yes you can reclaim unlawful charges on Loans and Credit Cards also.

Also if I ask my current bank for details of all charges within the past 6 years am I entitled to them?

Yes. But if you are making a claim against your current bank, make sure you open a parachute account in case they close your current account.

As beechville said, send your previous creditors(banks) a DPA/SAR request and they will provide you with a list of all charges for the previous six years even if the account is closed.

Edinburghlass_2

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