Can I reclaim DD charges through the DD Guarantee on a closed bank account?

Meadow71

Is it possible to submit a direct debit guarantee claim if my bank account is now closed?  It has just come to my attention that I have been charged for an old property a number of years ago and want to reclaim the DD's that were taken from my account after my departure dates (with the correct notice to the company). I have found out there is no time limit on the DD Indemnity but can't find out if this is irrelevant as the bank account used has been closed now. Thanks

[Deleted User]

Yes, you can.

Meadow71

Any idea how to? The bank are refusing because the account is closed

p3ncilsharpener

Meadow71 said:

Any idea how to? The bank are refusing because the account is closed

Make an official complaint?

But it depends on how long the account has been closed for.  Eventually all (or almost all) data relating to the account will be wiped, so if it was closed say 7 years ago, it's not surprising they can't or won't deal with it.

dunstonh

The bank is allowed to refuse.   The guarantee scheme allows the bank to vet the claim first to see if they consider it valid.     Typically, nearly all the claims for recent payments are accepted without any quibble.    Mainly because at the end of the day, the originator will go after the individual via the courts if necessary.    

However, the further back in time you go, the more likely the bank is to require more information to consider it.      The lack of records will also become a thing over time.   So, whilst theoretically possible, its harder to achieve.

The easiest thing with old cases is to go to the originator directly and get your refund.  After all, if you were to use the direct debit claim scheme and get your money back from the bank, the originator then comes after you for the money if you are trying it on and will typically use debt collection where necessary.   Quite a lot of people caught out by direct debit claim scams and trying to abuse the direct debit claim scheme have found that out to their peril.