Tracing old bank statements

melodist

Apologies if this is the wrong place to ask this.

I'm wanting to make a claim for a mis-sold package bank account that we closed back in July 2015. The problem is I'm not 100% sure when we actually opened it. I believe it was early 2000's somewhere between 2001 and 2006. Can I get copy bank statements from anywhere to prove this?

Thanks in advance

molerat

Yep, in your personal filing system.  Doubt the banks will have much after that length of time. You could always do a SAR to see what they hold but it will not be in "statement" format.

eskbanker

melodist said:

I'm wanting to make a claim for a mis-sold package bank account that we closed back in July 2015. The problem is I'm not 100% sure when we actually opened it. I believe it was early 2000's somewhere between 2001 and 2006. Can I get copy bank statements from anywhere to prove this?

Unfortunately you'd be wasting your time pursuing this - for any misselling complaint to succeed, it has to be initiated within six years of the alleged missale or within three years of becoming aware of it.  Closing the account is counted as being aware that you didn't need to be paying the charges (as you obviously stopped paying them at that point), so if it's six years down the line from that then it's three years too late to claim, even if the claim would otherwise have merit - your bank will reject the claim on timebarring grounds and if you escalated to the FOS, they'd back the bank too....

Descrabled

Search Credit File

The data contained within your credit report(s), closed section, should still have details of this bank account as it is just within the 6 years of closing it in July 2015.  The details will probably provide the exact date of both openining and closing the account.  Hurry because the 6 years has almost expired.

Nothing is lost by you making your complaint and you just might get lucky.

eskbanker

Descrabled said:

The data contained within your credit report(s), closed section, should still have details of this bank account as it is just within the 6 years of closing it in July 2015.  The details will probably provide the exact date of both openining and closing the account.  Hurry because the 6 years has almost expired.

Nothing is lost by you making your complaint and you just might get lucky.

No, you've got that wrong - there is no significance in six years since closure, as explained in my previous post, which is as per the FCA's definition, that sets out timebarring grounds as:

more than:

(a) six years after the event complained of; or (if later)

(b) three years from the date on which the complainant became aware (or ought reasonably to have become aware) that he had cause for complaint

so OP would need to complain within six years of the account opening (when the alleged missale occurred) or three years of the account being closed.

Edit: re-reading, I think you may actually have meant a different six-year period (credit file data retention) rather than 'the 6 years' referring to the missale complaint period under discussion, but the point remains that timebarring is in play....

born_again

melodist said:

Apologies if this is the wrong place to ask this.

I'm wanting to make a claim for a mis-sold package bank account that we closed back in July 2015. The problem is I'm not 100% sure when we actually opened it. I believe it was early 2000's somewhere between 2001 and 2006. Can I get copy bank statements from anywhere to prove this?

Thanks in advance

Ask the bank, would be a good start.

Descrabled

Bank Complaint

Melodist queried how to obtain the date that the bank account was opened.

My suggestion was to use the credit file to provide the information.  This would provide the required information in a few minutes this evening.

The info will only be available on the credit file for 6 months from the date of closing.

I have no idea how successful a claim against the bank would be at this late stage.  But there will be no success unless you try and I have won hopeless cases against banks including in the small claims court.

So my advice is obtain information from the credit file(s), make a complaint, esculate the complaint, and who knows.

ThisnotThat

Descrabled said:

Bank Complaint

Melodist queried how to obtain the date that the bank account was opened.

My suggestion was to use the credit file to provide the information.  This would provide the required information in a few minutes this evening.

The info will only be available on the credit file for 6 months from the date of closing.

I have no idea how successful a claim against the bank would be at this late stage.  But there will be no success unless you try and I have won hopeless cases against banks including in the small claims court.

So my advice is obtain information from the credit file(s), make a complaint, esculate the complaint, and who knows.

Or not waste your time and theirs because they'll time-bar it.

[Deleted User]

Descrabled said:

Bank Complaint

Melodist queried how to obtain the date that the bank account was opened.

My suggestion was to use the credit file to provide the information.  This would provide the required information in a few minutes this evening.

The info will only be available on the credit file for 6 months from the date of closing.

I have no idea how successful a claim against the bank would be at this late stage.  But there will be no success unless you try and I have won hopeless cases against banks including in the small claims court.

So my advice is obtain information from the credit file(s), make a complaint, esculate the complaint, and who knows.

The bank will time bar it immediately, the FOS will, at best, ask the bank if they will look at it anyway, bank will say no.

6 and 3 year rules are as close to carved on stone as you can get, they can 100% correctly block this complaint and almost certainly will - the only chance they wouldn't is if by some chance they missed the dates and decided the payout was so low as to not be worth arguing but unlikely on a PBA given they're often several hundred a year and with the 8% interest, an immediate time bar rejection is logical