Can you still get details from closed accounts?

Sg1642

I had an account with Halifax from 2011 to 2012. Because of Cheque Centre loans when I went to Afghanistan this account went overdrawn and then defaulted. Is there any way now after three years I could get a transaction list or statements from that account or would it be closed and all records deleted? Many thanks.

diamonds

Ask in branch, they should provide it.


Failing that submit a Subject Access Request under the Data Protection Act.

Sg1642

That's quite strange I just came across that when I had a search online just as you replied. Thanks very much. In general is this something that has to be done in writing or can it be done electronically via email etc? Thanks.

Westie983

Sg1642 wrote: »

I had an account with Halifax from 2011 to 2012. Because of Cheque Centre loans when I went to Afghanistan this account went overdrawn and then defaulted. Is there any way now after three years I could get a transaction list or statements from that account or would it be closed and all records deleted? Many thanks.

Did you close the account? have any record that the account has been closed by Halifax?

If not then the account will still be opened but defaulted and stops put on the account to limit withdrawals/check details etc, so you will be able to get statements back to 2011, from branch or via head office straight to your home (although they may charge £5)

Even closed account have records that can be obtained by contacting the archive team at head office, this is done via a branch and message sent internally, if you have a sort code and account number.

diamonds

Sg1642 wrote: »

That's quite strange I just came across that when I had a search online just as you replied. Thanks very much. In general is this something that has to be done in writing or can it be done electronically via email etc? Thanks.

A branch should be able to give such, unless when sent to a outside collection agency it was deleted off branch access and sits in a central location computer.

A SAR generally can be submitted at a branch when showing photo ID and sent to whatever office it needs to go, via mail or post I have been asked to sent copy ID that may need a Justice Of The Peace validation (free in a Scottish court). Sending ID or account numbers etc via mail with my address is a nono from me, for security reasons.

So if you are near a branch go there with photo ID and do a DPA SAR in branch.

Sg1642

I didn't think it would have been as straightforward as that not a lot is in this day and age I suppose. Thanks for your help guys

Westie983

No problem, hopefully the account is still active and you have access to it over the counter at your local branch.

PeacefulWaters

Remember there is a 42 day wait allowed in law for responding to an SAR request.

I think it's fair to say alternative forms of requesting the information are likely to deliver a more efficient response.

Sg1642

Yeah I'll keep it simple if I can. If I can get it sorted in a branch that would make life a lot easier. Cheers.

jonesMUFCforever

You can get copy statements from Halifax but they may charge you for them.
If you have the account number it will speed things up.

If the account is closed you may have to wait for them to be posted to you.

Sg1642

Yeah I would expect there would be some kind of charge for it find out what's said tomorrow. Thanks for your help.