Bank charges when I was in financial hardship, can I reclaim?

jezza60_2

Hi all,

I was in significant financial hardship a number of years aago (particularly around 2008-2011) and I had a significant number of bank charges around that time.

I have none of the details about these accounts- I basically managed to dig myself out of the hardship and I'm now much more stable financially and almost out of the debts I accrued back then.

My questions are as follows:

Can I write to banks without an account number and ask that they release information to me on any accounts I held? (I remember roughly where I banked around the time I was getting overdraft charges etc).

Would it be possible to make a reclaim on grounds of financial hardship, even though I'm no longer in such a bad state? I haven't defaulted on anything for around 2 years now, but prior to that I was getting regular charges and I was in a pretty dire cycle of bank charges putting me over my limit resulting in more charges being applied.

At least two of the accounts I was getting charged on were my "business" accounts- I was a sole trader and these were just sole trader accounts. Does claiming back from a sole trader account work along the same way as from a personal current account?

Thank you,

Jezza

McKneff

Sorry but you cant claim historically.


You could only claim if you were in hardship now.

dunstonh

Can I write to banks without an account number and ask that they release information to me on any accounts I held? (I remember roughly where I banked around the time I was getting overdraft charges etc).

Yes, it will cost you £10 per bank and some of the documentation may no longer exist (especially if the account is now closed)

Would it be possible to make a reclaim on grounds of financial hardship, even though I'm no longer in such a bad state?

The criteria is current financial hardship. not historic.

jezza60_2

Ah thank you for the info, I thought it was worth a try perhaps

It's a shame I cannot claim for historic financial hardship, the bank charge cycle I was caught in cost me thousands and put me through considerable stress and depression... A lesson learned at least!