Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)

+ Reply to Thread
Results 1 to 9 of 9
  1. #1
    Basic Account Holder katfish81 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Aug 2009
    Posts
    5

    Default Old bank account tracing

    Does anyone know if it is at all possible to chase up a transaction from a bank account that is now closed?
    This is RBSicon and it has been closed for 11mths.
    There are no cheque stubs or statements anymore.

    cheers!


  2. #2
    Classic Account Holder
    Help the CAG!!
    Make a contribution
    wino Highly informative wino Highly informative wino Highly informative wino Highly informative wino Highly informative wino Highly informative wino Highly informative

    Follow Real_CAG on Twitter

    Cagger since
    Sep 2007
    I am in
    The Funny Farm
    Posts
    1,699

    Default Re: Old bank account tracing

    If you still have your account number and know when the transaction took place you could try telephone banking, they might be able to help.
    Or you could order copies of your statements going back 6yrs. There will be a charge for this I think it is still 10 for the full 6 yrsicon worth


  3. #3
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Dec 2006
    I am in
    a sort of fire-fighting role here. Hate HFC & their compulsory PPI ethos
    Posts
    67,521

    Default Re: Old bank account tracing

    yep SARicon RBSicon..

    dx

    Credit Reference Agencies:Experian Equifax CallCredit noddle<<<<CRA FILE INFO IS HERE<<<<
    fed up with DCA's calling get a TRUECALL BOX!! - HERE
    Sort Your Debts Now - - here

    Start Your Own Thread - HERE

    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan, Credit Card, mortgage & CAtalogue Charges Read Here
    my views are my own...seek legal advice if ness
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
    - alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.


    DX
    RIP Martin3030
    Follows
    0
    Following
    0

  4. #4
    Basic Account Holder rickyd Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Apr 2009
    I am in
    Glasgow
    Posts
    571

    Default Re: Old bank account tracing

    It will still be available on the live system. Closed account details remain there for 12 months. After that you need to order historic statements which cost 5 for one page, 10 for 2 or more. All you need is the sort code and account number. It could be found without these but will take a fair bit longer.


  5. #5
    Basic Account Holder K3V1N Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Aug 2009
    Posts
    1

    Exclamation Re: Old bank account tracing

    Something that recent should be traceable anything over six or seven years (cheques ets) are usually thrown out to create space. Banks may have micro fische records of statements and will charge to discourage you.
    Generally they are mean and don't even treat there Staff well (despite claims to the contary). I have a long running dispute over discrimination against me and they have provided no evidence to contradict me but stubbornly refuse to cincede (at date of writing)
    Often you can get one over them by looking else where or closing accounts as they re lie on innertia It is often a small but satisfying victory. There used to be a trick with cashpoint machines but I can't tell anyone how and it might not work any more.


  6. #6
    Site Team Ell-enn Highly authoritative Ell-enn Highly authoritative Ell-enn Highly authoritative Ell-enn Highly authoritative Ell-enn Highly authoritative Ell-enn Highly authoritative Ell-enn Highly authoritative Ell-enn Highly authoritative Ell-enn Highly authoritative Ell-enn Highly authoritative Ell-enn Highly authoritative Ell-enn's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Aug 2007
    I am in
    Yorkshire (ish)
    Posts
    20,390

    Default Re: Old bank account tracing

    Quote Originally Posted by K3V1N View Post
    There used to be a trick with cashpoint machines but I can't tell anyone how and it might not work any more.
    In that case please do not pass on any details about that on the forum, you cannot be sure what others might do with the information. Also, it may place CAGicon in a compromising situation should the details be leaked to other forums or media.

    Help us to keep on helping
    Please consider making a donation, however small, if you have benefited from advice on the forums
    This site is run solely on donations
    My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.
    Follows
    0
    Following
    0

  7. #7
    Basic Account Holder rickyd Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Apr 2009
    I am in
    Glasgow
    Posts
    571

    Default Re: Old bank account tracing

    I think K3V1N might not be all he seems.

    If he was he would know that cheques are not processed by banks (haven't been for many years) but by BACS and are scanned the day they receive them and then sent to storage agents like Iron Mountain. They cannot "throw them away to save space" because under the Cheques Act 1957 requires the paying institution to retain the "instrument of payment" for a minimum period.

    So although scanned images and data from BACS are used for expediency, under the Act, the actual cheque must still be physically retained and stored securely.

    As the live data systems have finite memory capacity they tend to keep a maximum of 12 months data which is updated on a monthly basis.

    They must keep microfiche files to provide data after the live information has been replaced. If they didn't they would have serious issues with the authorities and regulators.

    As for the ATM trick, if its the one I'm thinking of, that was sorted within a couple of months of the switch from dedicated, own bank only access to allowing customers to use any bank's machine and depended on inefficient links within the network not keeping up with previous transactions.

    Obviously there was no way that the main banks could permit that situation to continue so it was resolved PDQ.

    Finally I have difficulty understanding how switching banks helps you get information about a closed account?


  8. #8
    Basic Account Holder Mark Quay Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Sep 2009
    Posts
    1

    Default Re: Old bank account tracing

    So you'll be able to get one of your own cheques from 10 years ago as your bank continues to horde them.

    Interesting you admit to problems in the system.

    As a bank spokesman isn't in your interesticon to discourage customers to purchase financial products elsewhere?


  9. #9
    Basic Account Holder rickyd Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Apr 2009
    I am in
    Glasgow
    Posts
    571

    Default Re: Old bank account tracing

    Mark - who are you responding to?



Viewing CAG on a small screen? Switch to the mobile version of the site

Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE