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Account details
Kevin65
Posts: 4 Newbie
How do I go about find account details for loans and bank accounts beyond 6 years! Anyone know! Thanks:question::question::question::money::money:
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Comments
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Search either your filing cabinet or your memory.
Alternatively, write to the lenders.0 -
:money::money:0
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Have no account details. Experian doesn't go back longer than 6 years.0
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Hence my reply to your OP.0
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But if there is no filing cabinet and obviously no memory, where else can you go! Thought someone may have gone a different route!:money:0
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There is nowhere else.0
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But if there is no filing cabinet and obviously no memory, where else can you go! Thought someone may have gone a different route!:money:
Your info is not in the public domain. Only you or the provider know. Or don't as the case is here.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
Have you actually approached the Banks and credit card companies and been told that there is no information available?But if there is no filing cabinet and obviously no memory, where else can you go! Thought someone may have gone a different route!
As a last resort, you can send your lenders a Subject Access Request (SAR) letter.
For a payment of £10 each, the institutions concerned are obliged to send you everything they have kept on file for you.
You mention six years, but it is not guaranteed that all information older than this will already be trashed especially if you still have open accounts.
It's your choice whether the cost is worth the gamble.0 -
PPI_Consultant wrote: »If your accounts have been closed more than 6-10 years and the banks cannot locate any accounts. it may be worth paying a £5 or £10 fee to do a Data Subject Access request, sending this to the Bank. They will provide you with all your statements for as long as they go back but these statements could include ones you have forgotten about.
It's £10 unless the bank chooses not to levy the charge and there is no guarantee they will have anything leftSam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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