HFC Bank / HSBC Old Closed Account

KID77

Hi All
I had a couple of old HFC Bank Accounts, from around 1997 to 2001, I paid ridiculous amounts of interest and charges on these and would now love to investigate it. Problem is the accounts are so old so wondering if anyone had any experience with this bank and getting information from that long ago?
I have the account numbers from my bank statements but would love to get details of the original contract and transaction/statement list so presuming I need to SAR.
Any advice or comments appreciated :-)
Thanks
KID

-taff

If you were planning t ask for the charges back, youd best read this first.

You can only complain really if you are in current financial hardship, not historic hardship as the banks won the case on unfair charges in 2009.
http://www.moneysavingexpert.com/reclaim/bank-charges

safestored4

And, if as you say this is a closed account then don't expect to receive much sympathy if you try to play the hardship card.

KID77

Thanks for replies guys, I will try the SAR and see how I get on. I don't hold out much hope but for the sake of a few letters, its worth a try.

dunstonh

You have to state why you think they should refund their charges. As you cant use unfair or excessive as reasons (as that leads to auto-rejection), what reasons are you going to use?

You cant use current financial hardship either as the account was closed 14 years ago.

Its not just a sake of a few letters. Its £10 for the DSAR.

KID77

These were actually loan accounts and not bank accounts as I have stated so not sure if that makes a difference.

dunstonh: thank you for taking the time to reply but I hope when you speak to your clients, you have a softer tone

dunstonh

dunstonh: thank you for taking the time to reply but I hope when you speak to your clients, you have a softer tone

No I do not. I have no interest in dealing with clients who cry when being spoken to normally.

KID77

I find it unbelievable but also humourous.

-taff

KID77 wrote: »

These were actually loan accounts and not bank accounts as I have stated so not sure if that makes a difference.

It makes a very big difference.

You will have to send a SAR and £10 unless you know the account numbers.

KID77

Thank you Taff,I think I have the account numbers from my bank statement so will use these. Its actually ppi i am hoping to claim so just realised i have posted in the wrong thread.