how far back can you claim

Stephen_Leak

silou wrote: »

My apologies in advance as I'm sure this has been asked and answered before, but I have searched and can't find the answer. I can see that the six years should go back from the date that you submit your claim to the courts but, prior to that stage what date should I go six years back from and presumably I will have to amend this if (probably when) I do submit my claim through the courts. Basically I am at the point of calculating all my Abbey charges (and working out the interest) and not sure what date to start going back from.
Many thanks.

In England, Wales and <?xml:namespace prefix = st1 ns = "urn:schemas-microsoft-com[IMG]http://forums.moneysavingexpert.com/ /><st1:country-region w:st=[/IMG]England</st1:country-region>, <st1:country-region w:st=" /><st1:country-region w:st="on"><ST1:pNorthern Ireland</ST1:p</st1:country-region>, you can claim back 6 years from today. In <st1:country-region w:st="on"><ST1:pScotland</ST1:p</st1:country-region>, you can claim back 5 years from today. However, today moves. For the Subject Access Request, it is from the date of your request. For the bank claim and the Financial Ombudsman, it is from the date of your first claim letter. For the court claim, the Limitations Act 1980 states that it is from the date you issue your claim.<O:p</O:p

silou

Many thanks for your response, that helps a lot. Am I right in thinking then, that since the account I am claiming from is now closed (so no further charges being incurred) but many charges were applied over the months around 6 years ago, that I may be better going through the ombudsman rather than the court? Since the ombudsman will look at the claim from the date of my first claim letter whereas if I go through the courts it will be from the date my claim is filed with them, which may mean that I lose the ability to claim a months worth of charges from July 2001 (by the time I've waited for Abbey to say no and then filed a claim with the court). Although I suppose if I'm claiming interest going through the court would enable me to claim more interest as I would recalculate everything on the day I submitted my claim.
Thanks again

no_more_debt_2006

Hello All,

Superb forum, i must add.

I had a bank with lloyds tsb from 1990 to 2000, I then shut this and opened an account with halifax in 2000. What I wanted to know from you guys, is, can I claim my charges back from tsb from 1994 to 2000?????

Thank you.

princesskez26

no_more_debt_2006 wrote: »

Hello All,

Superb forum, i must add.

I had a bank with lloyds tsb from 1990 to 2000, I then shut this and opened an account with halifax in 2000. What I wanted to know from you guys, is, can I claim my charges back from tsb from 1994 to 2000?????

Thank you.

Generally you can claim back 6 years though there have been successes beyond this. Have a look at the following thread 'how far back can you claim' for further reference

Kez

no_more_debt_2006

thank you for the quick reply princess

princesskez26

no_more_debt_2006 wrote: »

thank you for the quick reply princess

Sorry I forgot to post you a link for that thread: .

http://forums.moneysavingexpert.com/showthread.html?t=354776&highlight=RECLAIMING+FURTHER+6+YEARS

Kez

leejon

please help!!!
what is the situation regarding getting your bank charges bank if
you left the bank 4/5years ago? but was getting charged for 4/5 years prior to that.
i.e if you left the bank 5 years ago can you only claim uoto 1 years charges
any feedback on this matter would be greatlt welcomed
thanksleejon.

eddie_rex

I have heard that you cannot claim charges back that are older than six years?

Is this correct?

toriitom

http://www.moneysavingexpert.com/reclaim/bank-charges

lindilou39

eddie_rex wrote: »

I have heard that you cannot claim charges back that are older than six years?

Is this correct?

depends who your bank is...Lloyds tsb customers are able to do this as there is an apparent concealment period which opens up the limitation act...its on the CAG site...under the LTSB thread.


Lin