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Can I claim on a closed account, no account number?

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  • scarletmyles
    scarletmyles Posts: 2 Newbie
    :confused: Hi does anybody know if you can still claim back bank charges from an old bank account that you no longer use, i had an account with HSBC but went into debt, as i was unable to pay back my overdraft and my loan with them and it went to a solictors, and i now pay the money through them. Can anybody help.
  • LozBingley
    LozBingley Posts: 580 Forumite
    scarletmyles wrote: »
    :confused: Hi does anybody know if you can still claim back bank charges from an old bank account that you no longer use, i had an account with HSBC but went into debt, as i was unable to pay back my overdraft and my loan with them and it went to a solictors, and i now pay the money through them. Can anybody help.

    All but 1 of my account (listed below) were closed. Just use Martin's template letters and get your money back! Even if it don't cover all you still owe you will owe them less ;) And don't accept less than 80% of your charges back!
    Got It & Spent It :dance:
    IKEA CARD = £120 charges = £175 received (146%)
    MARBLES = £450 charges = £370 received (82%)
    I.F. = £494 charges = £494 received (100%)
    CAPITAL ONE = £981 charges = £1,489.03 (152%)
    BARCLAYCARD = £580 charges = £786.12 (136%)
    On Hold :mad:
    A+L = £722 charges (target = 147%)
    BARCLAYS = £1,405 charges (target = 128%)
    BARCLAYS = £175 charges (target = 140%)
    ABBEY = £3,220 charges (target = 148%)
  • jimmy_teabags
    jimmy_teabags Posts: 270 Forumite
    I has a memeber at hailfax and closed my account, i was charged a few times by them. so im wondering can i claim off them? only thing is thou i cant find a account number and when i go into the bank there cant find anything!
    You be lucky:T
  • Beate
    Beate Posts: 3,522 Forumite
    Part of the Furniture Combo Breaker
    Yes you can claim on a closed account and they should be able to find your old account from your name, address and date of birth.
    Reclaimed thanks to this site:
    £175 Abbey Mortgage Repayment Fee, £170.03 Capital One Bank Charges £418.07 Lloyds TSB Bank Charges, £2,671.55 Mis-sold Endowment Policy, all for OH
  • jimmy_teabags
    jimmy_teabags Posts: 270 Forumite
    how would i go about doing this?

    Beate wrote: »
    Yes you can claim on a closed account and they should be able to find your old account from your name, address and date of birth.
    You be lucky:T
  • Beate
    Beate Posts: 3,522 Forumite
    Part of the Furniture Combo Breaker
    By sending the first letter template from Martin's article to the bank, with the above information. Address for this letter is in the Reclaim Bank Charges Help Thread.
    Reclaimed thanks to this site:
    £175 Abbey Mortgage Repayment Fee, £170.03 Capital One Bank Charges £418.07 Lloyds TSB Bank Charges, £2,671.55 Mis-sold Endowment Policy, all for OH
  • jimmy_teabags
    jimmy_teabags Posts: 270 Forumite
    thanks for that
    You be lucky:T
  • Sarahsaver
    Sarahsaver Posts: 8,390 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    If it was a joint account would they issue a joint refund? When I was with ex Oh we had LOADS fo bank charges but the ex is missing now. Wondered if it was worth claiming.
    Member no.1 of the 'I'm not in a clique' group :rotfl:
    I have done reading too!
    To avoid all evil, to do good,
    to purify the mind- that is the
    teaching of the Buddhas.
  • canarykyle
    canarykyle Posts: 1 Newbie
    can i claim against a closed account ?
    being as the charges incured caused the closure !
    does the same apply for c-cards ?
    all above are within 6 year limit.
  • Beate
    Beate Posts: 3,522 Forumite
    Part of the Furniture Combo Breaker
    Doesn't matter whether the account is closed or not, you can claim regardless.
    Reclaimed thanks to this site:
    £175 Abbey Mortgage Repayment Fee, £170.03 Capital One Bank Charges £418.07 Lloyds TSB Bank Charges, £2,671.55 Mis-sold Endowment Policy, all for OH
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