Nat West refusing t&c's

Minxybelle

I used the letter on MSE to request the T&C's for a loan I took out a few years ago plus the loans that superseded it, I enclosed a chq for a pound. I have now received a response saying in line with Data protection they cannot give me details of closed accounts. Does anyone know how I get the t&c's now? MSE mentions I can get a full breakdown of my account for £10, but I can't find a template of how to ask for this. What exactly am I asking for? Any help would be most welcome

[Deleted User]

It's all in this thread;
https://forums.moneysavingexpert.com/discussion/1475553
It will provide everything the Bank has on file for you. It still won't provide backdated t&Cs though.However, I suspect it's not the terms and conditions you actually need. If you already have the loan account numbers and some valid reasons to complain then go here;
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance
and follow the simple steps.

dunstonh

I have now received a response saying in line with Data protection they cannot give me details of closed accounts.

Are you sure it says that?

The £1 request method is not data protection but consumer credit act. The £10 method is data protection act.

The £1 method only works on accounts/debts that are still outstanding. Once the debt has been repaid or account closed then consumer credit act requirements no longer apply and the lender can reject the request.