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

bathgatebuyer

Yes - I would have thought so as you still had to pay the charges.

And it means that if you get a refund, it'll be a cheque and not go to serving an overdraft or anything!

Realist

Yes you can but only the last 6 years.

Regards.

dorian.gray

Thanks for your responses. We'll go ahead with it.

dgwebster

Hi just thought I would add this one in.

i am living in Scotland and so limited to the last 5 years - for those elsewhere, simly adapt the years.

I held an account with the Royal Bank of Scotland from Aug 1999 when i became a student until Sept 2004 when it defaulted from a large amount of charges (for someone earning very little at the time, they were large to me.)

During 2005, I settled the account with the company debt collectors.

I have since discovered that the outstanding balance of £2400 is still showing as due on my credit file with a category "8"

Written one letter to RBOS detailing payment records (taken from statements from my current bank) and demanding that they update my credit file and recompense me just over £2000 in interest that I have had to pay on a "higher risk" loan for car I bought last year. this is £2000 more than I would have had to pay on a loan at a rate of 10%

In the mean time, I wanted to reclaim my charges from the RBOS. But I had no bank account details.

A quick phone call to their telebanking gave me the branch I held the account with number.

The next morning, I phoned them and simply said:

"I held an account with you until Spt 2004 when it was closed down, but need copies of my statements from 2003 & 2004 (the years i could claim back on) as I have been queried on my earnings at that time from the HM Customs & Revenue"

The woman found my account, ordered to statements i needed and phoned me back when they arrived!! No need to pay £10, no hassle, just took ID to pick them up. The statements have by sort code and account number on them, so I have just sent a letter to reclaim £1760.

Will update on the interest payment issue I know the chances are not likely of getting anything, though im certain I have something here on punitive charges. Anyhoo, dont ask, dont get.

cjhick

Hi all,

I am new to this site and would any one please be so kind to inform me if , like myself you have shredded old credit card statements - as i no longer have the card. Therefore I am writing my first letter to aid with reclaiming but do not have an account number to include but can give my old address and D.O.B which should help?

Has this happened to anyone else and was you still succcessful?Or were there any hold ups/problems because of this?

Many thanks

C

xpf

Hi, I haven't had a result yet but have just sent letters off requesting details of charges for old accounts that I don't know the a/c numbers for.

mbaz

Hiya I've been trying to do this with Mint and Natwest but they conveniently cant find me on the system anymore....

julie6650

Can you claim bank charges on accounts that are closed? i know you can claim going back 6 years but is that only on currently open accounts?

natweststaffmember

That is also on closed accounts as well.

philis

hello,

i have read the template letter on the reclaim credit card charges section but i cant remember my account number. what should i do? should i send them all my personal details so they can trace me in there computer system? im not really keen on sending these through the post! help!

phil