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Crikey Tills, is there any Bank you haven't been with?
Just looking for info here. If the account was from 1998, would they still keep records going back that far. I'm sure there's legislation somewhere that says they only need to keep records for six years after closure of the account?
yep Bo the account is closed but will chase them for previous years statements,need to try get in the system in case they change the limitations act at end of test case:o
...I'm sure there's legislation somewhere that says they only need to keep records for six years after closure of the account?
I am NOT aware of any.
The only proviso that a bank may legally be required to keep any data for 6yrs, is for Inland Revenue purposes.
I can't remember which Thread exactly which quotes this, but here's a few links for U to start with (...in no particular order!...lol)...
Abbey will say that they only keep records as far back as 6 years from today, and after the new regulations came in from last December, that is all they are obliged to keep, so dont expect anything from before Feb 2002, but you might get lucky
Lula
Lula v Abbey - Settled Lula v Abbey (2) - Settled Lula v Abbey (3) - Stayed
This one has been left long enough i think recieved statements for last six years back in march, now i thought the account was opened in 1999, but in fact was opened in 1979 do i go for the 29 years or stick to the 6 years
You can try going for the full amount of years. Whether you get them or not is a different matter. But you need a project to do, and we can't have you getting bored, so go for it..!!!
Right this has been put on the backburner for long enough.
Had sent a SAR and recieved some statements last year but have been mislaid somewhere along the line so will be resending.There are 2 accounts one was a savings account the other was current account or what ever it was callled wayyyy back then lol. both accounts go way back one i know goes back to at least 1991 and the other 1979 but not sure which one is current account so will be interesting to see what they send got the bit between me teeth now Abbey here i come
I have a claim against Halifax going back 19 years. This is a tough one to crack as you will have to read up on cases like sempra v Inland Revenue - heavy reading + you have to have all your arguments. For hardship Abbey will only look at the 6 years period.
The test case is still ongoing and I guess untill this is resolved the easiest way is to do advise them of youir 20+ claim and list all the charges and stat interest. If you went for compounded interest it would probably come into the many thousands.
At the same time tell them about your hardship, here is my letter which I sent to their legal dept as my case was already stayed at the courts. But you can adapt it to suit:-
ADDRESS
TEL/FAX XXXXXXXXX
EMAIL XXXXXXXXXX
FOA: Mr Ronan Coyle Location Code TS6 D03 Abbey National PLC Abbey National House
2 Triton Square Regent Park London NW1 3AN DATE…………..
BY RECORDED DELIVERY
Dear Mr Coyle
YOUR NAME ABBEY ACCOUNT NUMBER:- XXXXXXXX CLAIM NO:- XXXXXXX
I am writing to you regarding my claim and my financial hardship situation which I understand meets the FSA’s recent update to the complaints handling waiver and their guidelines on financial difficulty.
I would like to attach documentation in support of my hardship case which evidences my extreme financial difficulty, as follows:-
1 : An updated spreadsheet showing my claim value as £XXXXXXX with Abbey at the present time.
2 : A Joint personal budget sheet which shows a monthly deficit of £XXX
3.
4.
5.
6.
HERE WRITE A DESCRIPTION AS TO WHY YOU FEEL YOU ARE A GENUINE HARDSHIP CASE AND THE EFFECT IT IS HAVING ON YOU/ AND YOUR FAMILY, ETC ETC….
Change these paragraphs to suit My husband and I are currently finding it very difficult to cope during the present economic climate coupled with the real threat of losing the residential home as a result of the suspended possession order.
This financial situation is putting a terrible burden on both myself and my family, and I please ask that you reconsider my claim and my circumstances given the current waiver criteria and the Banking Code.
**tilly** v Abbey - going waaaaayyy back
going out monday let the fun begin
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Originally Posted by Brassed off
do i go for the 29 years or stick to the 
