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

Edinburghlass_2

Edinburghlass wrote: »

Starting a new thread regarding this subject.

Yes you can. If you no longer have the account number and branch sort code please send the bank or credit card company your name with any changes that may have happened, any relevant addresses and your date of birth and this should help them trace your account.

As always read Martin's article and then read it again before you start your claim and you'll find the addresses you need along with lots of other very useful information in the Reclaim Help Thread.


Step-by-step Guides: Bank Charges: Reclaim Your Cash | Bank Charges Video Guide | Top New Bank Account Calculator: Charge them interest Template Letters: (right click and save) Ask for charge details |Initial letter | Second letter | Small claims note Get Updates On Important Changes: Free Weekly Money Tip

As above for initial letter but if the bank/cc company can't find your details then write again giving them 14 days to produce the information/statements or you will report them to the Information Commissioner.

DJ_Fatty_Boy

I used to have a Nationwide Credit Card a couples of years back, on the first ltter you are meant to send them it has a gap for the account number. As it's a couple of years back i don't know the account number. Should i state this instead of putting the number, or do i need to know the account number?

Orford

How did you pay for the CC.? If you paid from your bank a/c, very often it will have the a/c no. on your statements.

Or go into a Nationwide branch, they may be able to trace it

Otherwise give as much detail as possible full name, DOB, previous address if moved since ( + utility bill from current), dates of opening and closing a/c if known etc

DJ_Fatty_Boy

Good thinking Batman, i'll have a look through the statements later on

salduck

I had the same problem with a cap one card that was sent to their INHOUSE debt collection agency Debitas. i wrote a letter and 5 days later they sent me a letter with my account number. I have now sent off for my charges as i know there are lots!!
I would suggest writing t them with as many details as poss!!
Good luck and fingers crossed i get all mine back
x

ULSTERMISS

Hi I am trying to help someone reclaim their credit card charges. They paid the balances off three credit cards last year effectively closing their debt, but stupidly threw all their account details away. They have sent the standard letter for reclaiming the charges together with cheques, but on all three they are being fobbed off because they don't have their account numbers. Does anyone know how they go about finding out these account nos for those credit cards? Any advice would be appreciated. Thanks!

jalgee

I closed an old bank account with Lloyds a few years ago, can I still claim the charges?

Orford

Yes,makes no difference that the a/c is closed

Miseryschild

Aslong as it isnt over 6years old (5 in Scotland) then yes you can claim them back

~MC

cestone

hey there,
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I have been reading site for about 12 months but this is my first post......
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Last year I successfully reclaimed a little over £1000 pounds in bank charges and now I'd like to have a crack at the credit card charges.
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I no longer have the card, as the account was closed by Barclaycard about 2 years ago, as I got into a financial pickle to say the least, I am now getting myself straight again thanks to the advice I read on this site.
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I still owe around £350 but the debt was passed on/sold on to a debt collector, I now make monthly (interest free) payments to clear the outstanding.

Can I still claim my charges back from Barclaycard?

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Cheers.<O:p</O:p