archersluck wrote: »
I've just had a reply from Natwest saying they can't help as they have no evidence I held the account in their records. I had it until 2012 so not donkeys years ago. I also did a SAR to get the statements and all of these were provided by Natwest, I attached them all to the claim on resolver...
Do I need to escalate this now or maybe they just missed the statements?
dunstonh wrote: »
Go back to them providing the statements and highlight the packaged account payment on several of them. However, do be aware that closure of account is normally sufficient to allow them to apply the 3/6 year timebar.
archersluck wrote: »
Thanks, I've done that now. Didn't know about a 3 year bar so will keep fingers crossed
it would have obv been cheaper for me to take out my own car breakdown over the years and it was probably 15 years from the start before I ever claimed at all.
I have given up on him now and think I should just go straight to the F.O am I correct or jumping the gun
dirtycashuk wrote: »
Approx 6 month ago I contacted Lloyds bank regarding bank charges for packaged bank accounts I had held with them for in excess of 20yrs,
I was given a dedicated fella who looked into my accounts and complaint after some research he found my accounts and charges etc.
in which I was informed by aforementioned manager that I had to take out the accounts otherwise I would not be eligable for overdrafts, better rates, loans, morgatges etc of which I had a lot of during my time with the bank, and that was the basis of my complaint,I felt I was misled into the account in the first place,
I have given up on him now and think I should just go straight to the F.O am I correct or jumping the gun, I have been very patient and pleasant to no avail.
BrummyGit wrote: »
I've just been invited by Lloyds to have my historic case reassessed. I was rejected previously because I'd used some of the included benefits, (breakdown cover for my wife's car).
My argument at the time was that I didn't have a choice of whether I wanted the benefits as I was told I needed the account in order to have certain credit facilities available
when I was being forced to have a more comprehensive product that I'd had no opportunity to select on the basis of it matching my requirements.
I also had a company car and company phone for that period so didn't need all of the cover being provided. I had registered my kids phones, again because I was forced to have a product I thought I might as well register for
Anyway, the upshot was that Cambridge Building Society said they would not look into because the mortgage was redeemed and closed back on 2 September 2009 and more than seven years had passed so they didn't have the paperwork. There letter was dated 19 November 2015 - I make this less than seven years. I was told by the company dealing with it and the FO that I couldn't do anything about it.
does anyone know if it is worth me raising this seven year business with them as I feel they shouldn't have been allowed to get away with that as they were going against their own rules.
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