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My dad had an account with the Co-op but I believe it was longer that six years ago. He went into the branch with passport etc and they asked him if he wanted to 'reactivate' his account. He said no but filled in a form which they sent off.
He has got a reply from the head office saying that they need the account no (the account no which they cannot find with the detaisl he ahs given).
Does he have a way of forcing them? Should we SAR?
Why did the branch ask if he wanted to 'reactivate' instead of saying open a new account?
Is there any point pursuing this? He did say he had had a lot of charges.
You don't say what this form is for.
There shouldn't be any reason - except for security purposes - why they should need his account no, the bank should actually be able to find his account if they have all your dads details. This bit puzzles me, if they can't find his account no, how come he's had a lot of charges, & why do you need to send a SAR to them? When I went into my bank a couple of weeks ago, I didn't have my card or my passbook with me, but she managed to find my account within 2 minutes.
If any of these charges are pre-six years, the bank cannot pursue them.
Sorry my bad I should have explained better. It is not a case of the bank pursuing the charges, rather that these charges have bene paid. I am aware of the statue of limitations but do not believe that it applies because the nature of the charges has been concealed.
Unfortunately we have no way of knowing what was debited and the Co-op is saying that they cannot find this information.
The thing that confuses me is that the lady in the branch didn't seem to think it would be hard to find them once they had the relevent details.
I know in my work an active account which had not been used for some time is stored at head office. I am not sure what happens to the old data to do with old accounts.
I would think that it would be the same as an active account, & also kept at head office, I would suggest that you keep pursuing them to find your dads account details, I don't see any reason why they can't in this day & age of computers.
Send in your SAR with the £10 fee with as much detail as you possibly can, name address, approx date of opening branch opened blah blah blah.
it will depend on how long the account has been inactive to how much if any of the records are retained.
In the case of Barclays Bank, they state on one hand that as long as the account is in use the records are kept indefinately. but if the account is no longer in use then its only 12years.
Im not saying your bank will hold the data for 12yrs but you will need to try and determine how long ago it actually was.
I did check the thread on how far back have you managed to get data but the only mention of the Co-op was the credit card (in most cases these are adminstered by another company).
SAR here I come, how seriously do they have to take this? I mean if it went to court on the basis on non complaince wouldn't it be easy for them to say yep we wiped that data...
sorry to jump in here have just got my SAR back from barclay card with some crap they only hold info going back 7 years but have managed to produce a cca agreement 25 years old crystal clear any ideas abot this
Dad's co-op account (pre 6 years)
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