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asking for backdated statements(important info for scots)
after a meeting with the the govan law centre,mike dailly who has kindly taken up my plight informed me that you can only ask for 5 years back statements in scotland.
Re: asking for backdated statements(important info for scots)
Originally Posted by michaelhossack
after a meeting with the the govan law centre,mike dailly who has kindly taken up my plight informed me that you can only ask for 5 years back statements in scotland.
I think what is meant here is that you can only claim back for five years in Scotland, which is indeed true under our statute of limitations. You can ask for statements back further if you wish.
Re: asking for backdated statements(important info for scots)
I would recommend that people start getting all statements with view eventually to reclaiming money beyond the limitation period.
I would suggest that a first claim be made within the limitation period.
Afte that has been settled then go for one beyond the limitaion period.
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential. Please include a link to the post you want me to look at. If you have received a defence, contact me.
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
Re: asking for backdated statements(important info for scots)
I began reclaiming my charges unaware of this and am at lba stage (1st of 4 claims ). I had a phone call from BOS customer relations yesterday offering a paltry £150 back . they did not mention that I had gone beyond the 5 year limit so I will for now continue with my original dates which is July 2000.
Re: asking for backdated statements(important info for scots)
Hi........My claim with the BofS is for over £2000, as we can only claim £750 a time in small claims should, i send my lba etc for the full 2000 or 750 then another seperate letter to the bank?
Re: asking for backdated statements(important info for scots)
steve - Send the lba asking for only £750 max. Go through the whole process. Get £750 back. Repeat until you've got the whole lot. Good luck
michaelhossack - you can "ask" for statements as far back as you want. It seems the company has to provide ALL information it holds on you. So if old Betty wants her bank statements from 1923 to current date and IF the bank has this information stored somewhere then she has a legal right to this information. (banks are only legally obligiged to keep records so long however)
Have a look here: http://www.ico.gov.uk/eventual.aspx?pg=SR&cID=6789
The fives years in Scotland / six years in England is the statute of limitations and as far as I'm aware is the only to do with how far back you can claim in court.
(Yes I work for a bank but am here to help! Please be nice to me! )
Re: asking for backdated statements(important info for scots)
Originally Posted by thegoodsamaritan
steve - Send the lba asking for only £750 max. Go through the whole process. Get £750 back. Repeat until you've got the whole lot. Good luck
I have my LBA ready to deliver this pm, so still time to change if you think this incorrect. I have included my total claim, £2760, but have explained why I am only claiming £740, and have attached my excel spreadsheet showing how the full amount will be divided up. My thought was they might be settle the full amount in one go rather than repeating the process another three times.
Re: asking for backdated statements(important info for scots)
I have my lba ready to deliver this pm, so still time to change if you think this incorrect. I have included my total claim, £2760, but have explained why I am only claiming £740, and have attached my excel spreadsheet showing how the full amount will be divided up. My thought was they might be settle the full amount in one go rather than repeating the process another three times.
I sent all my letters asking for full amount £2116......
I wanted to make it appear that rather than me splitting the full claim of £2116 into smaller £750 chunks....i was actually taking each charge as a seperate offence, and bundling them together
on my LBA i wrote a piece on the bottom of the letter that said along the lines of......:
i am asking for a full refund of £2116 for a total of 62 seperate penalty charges, however rather than claiming for each seperate incident, and in order to 'minimise liquidated losses' to the unsuccesful party, and also to make best use of the courts precious time, i will be bundling them together in approx £750 claims. The first claim for £738 plus fee, plus interest will be submitted without further notice. Subsequent claims will be submitted upon the succesful outcome of my first claim....
Hope this helps you a bit....any other problems drop me a message
IF YOU FEEL I HAVE HELPED YOU IN REPLYING TO YOUR POST, CAN YOU CLICK ON THE SCALES AND LET ME KNOW
Halifax - Total £2116 - Plus approx £300 in interest plus fees for 3 small claims...settled all within 3 weeks of claim.....Now for the mortgage..... Clydesdale Bank - Credit Card - Sent Data Protection Act - Awaiting statements Clydesdale Bank - Current Account - Awaiting statements
Charges applied to account between 28-07-2000 and 02-02-2006 totaling £2760. Due to limit of Scottish small claim procedure of £750, first claim (of four) of £740, please see attached spreadsheet.
Re: asking for backdated statements(important info for scots)
I have had a change of mind and removed that paragraph and am making request for repayment of £740. Once this is settled I will repeat for the next £740 and so on until all settled.
Re: asking for backdated statements(important info for scots)
thats the way i did it,
1)2005sep-dec =£618 offered half so far
then i was silly/over enthusiastic
2) and went for jan 2000-nov2000 =£670
3)+dec 2000 £215
(all plus % and costs)
then i remembered i cant claim this through court as its outside limitation period ,but since its such a high ammount i might chance it and see if they offer half again.it wont go to court unless they ignore it.
Re: asking for backdated statements(important info for scots)
I mailed a request to my bank (Clydesdale) for details of all charges applied to my account for the past five years but received a reply which read:
Originally Posted by Clydesdale Bank
Bank statement information held by us for the period prior to July 2005 is not stored in a 'relevant filing system' as defined by the Data protection act 1998. Its is therefore not within the definition of 'personal data' and is outside the scope of individuals access rights.
Copies of statements issued prior to July 2005 are available, but are subject to a charge of £5 per statement.
Has anyone come across this before? It may be possible for me to retrieve my old statements but they'll take some finding.
While I'm posting, from what I've read of the "charges" being claimed back they mainly seem to be charges applied for exceeding limits ie the large charges of £25-£39 but Clydesdale bank have operated a system for years whereby when your account is in overdraft they charge for every transaction made on the account (service cherges) eg 51 pence for a manual debit or 30 pence for an automated debit. Are these charges also worth pursuing for refund?
Thanks for reading and my apologies if this is posted in the wrong place.
Re: asking for backdated statements(important info for scots)
I have been like a sponge... taking in all the information and advice I have recieved from this link with regards to a claim I am making against Clydesale Bank( which is thoroughly appreciated) for roughly £4500. I have altered the "standard" reply that has been taken from this sites library and hopefully covered all angles in my letter with regard to possible replys from the bank in the prelimenary stages with my DPA request. If anyone can tell me how to send this from microsoft word to this link(as I am pretty useless with that sort of thing), for viewing(and critisism)it would be a great help for me and hopefully for anyone else pursuing a claim aginst any of these robbing bast***s.
best of luck!
Re: asking for backdated statements(important info for scots)
Originally Posted by scotia
i am asking for a full refund of £2116 for a total of 62 seperate penalty charges, however rather than claiming for each seperate incident, and in order to 'minimise liquidated losses' to the unsuccesful party, and also to make best use of the courts precious time, i will be bundling them together in approx £750 claims. The first claim for £738 plus fee, plus interest will be submitted without further notice. Subsequent claims will be submitted upon the succesful outcome of my first claim....
Hope this helps you a bit....any other problems drop me a message
I have a letter ready to go asking for the full amount (£3000) but no mention of splitting it up. Will this affect my ability to claim in lumps of £750 or should I send the Excel spreadsheet and a Breakdown of each claim I intend to pursue if they do no repay me the full amount?
asking for backdated statements(important info for scots)
Reply With Quote
Originally Posted by michaelhossack
and IF the bank has this information stored somewhere then she has a legal right to this information. (banks are only legally obligiged to keep records so long however)
)
Re: asking for backdated statements(important info for scots)
