Am i able to claim for charges made on account thats been closed since march 05??

ChrisBlyth · 29th September 2006, 15:02

Hi All,

I used to bank with a&l up until last year when after paying off a total of around £100 pounds in charges they asked me to send my cut up card and cut up cheque book back.

I had the account (which was a VISA Electron, no overdraft account) for about 5 years and wasnt what you call a problem customer - my account was always in credit with exception to the last couple of months when it went £20 in the red and then charges where added........like to add here that they wouldnt let me add an overdraft facilty to cover this!!!!

anyway am i able to claim for these charges? only problem is im at a completely different address to what i was and i have no idea what my account details where!

cheers

Chris

Lil · 29th September 2006, 16:37

You can still claim on a closed account but you will need your account details. Its not surprising they would not let you have an overdraft cause they would not have been able to get 'unfair charges' off you then!! And then what would they do!! (they make me so angry)

ChrisBlyth · 29th September 2006, 17:01

cheers for the info..

I have dug out some old pay slips with the account details so im going to write letter.....

as im at a different address how can i stop that delaying things?

thanks

Chris

Lil · 29th September 2006, 17:56

Include in the letter that you have changed address since being with them and advise them of the old and new address. Ask them to update their details. May be worth sending that letter recorded delivery so they can't say they 'never received it'

younganfree · 1st October 2006, 14:42

Hi, Chris.

It's still your money, no matter when the account was closed, and your change of address should have no effect on your claim.

If you haven't sent the letter yet you may want to put in some proof of ID and change of address - maybe a couple of recent utility bills will do the trick?

Good Luck.

ChrisBlyth · 2nd October 2006, 09:14

cheers everyone for you tips.......

letter sent on friday outlining my last 2 address's with them and when they changed - also said i was happy to send proof of id or go into my local branch...........wait and see i guess

Chris

younganfree · 2nd October 2006, 13:35

Looks like you've got it all well in hand, dude.

Keep us posted.

ChrisBlyth · 12th October 2006, 10:25

got the data protection letter thinggy from them yesterday morning, will be sending off with my £10 today!

Chris

Lil · 13th October 2006, 18:50

Thats good, keep us informed so we can help if you need it!!

CAG Products - We think that these will help you to make your claim or Reclaim your Right These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit	Small Claims Court Guide New Edition	CallBurner - Skype CallRecorder Review	Last Will & Testament Kit	Fight a Motoring Ticket

Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here
UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki N.B. Please note - due to postage costs these products are only available in the U.K.