Refusal to supply previous account details
edited 30 November -1 at 1:00AM in Reclaim Bank & Credit Card Charges
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Hi - I have recently sent out a few letters using the templates provided on this site to request copies of the credit details of accounts I have previously had but no longer have any paperwork for (I also enclosed a cheque for £1 as advised). One of these was for a credit card account with the Bank of Scotland which was only cleared in January 2011. The Bank of Scotland wrote back to me, enclosing my original letter and cheque refusing to supply me with the information saying something very similar to... 'Section 78 of the Consumer Credit Act only applies to open/existing accounts and as there is no current agreement between ourselves we are not obliged to provide information. The letter on this site makes reference to Sections 77-79 which BOS made no reference to. Has anyone else received a response similar to this and if so was there a way around it? They must have some legal obligation to provide me with information on an account I held for years? Any help/advise greatly appreciated.
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