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I have recently been offerred a full refund from Lloyds TSB relating to charges to my account between July 2004 and March 2007; £619 !!
I want to tackle my Royal Bank of Scotland which I had between 2000 and 2004, I think they have charged my at least £800 over that period.
I am slightly worried about claiming as my account wasnt in good order throughout this time, and on various occassions well over the overdraft limit until I finally defaulted and my account was closed.
Can anyone let me know if I will be unable to claim when my account was regularly close to or over the agreed overdraft limit and when the bank eventually defaulted me and closed the account.
Any advice gratefully received as I do want to claim the money back if I can.
At the end of the day it doesn't matter if your account was occasionally over your limit or always over it.
These charges are still UNLAWFUL and therefore claimable by yourself.
As the account in question has been closed there is nothing to loose, so a win/win for you there.
For the sake aof a few pounds and some waiting, GO FOR IT !
Thanks Curlyben, my claim with Lloyds was easy in that I have online banking so could use that to get my statements from 2004 onwards, and I have always been within overdraft (as I dont have one!!) and generally in good order with my account, where as RBoS started out good (opened in 1990 as a student) and then went wrong from around 2000 onwards.
Can I ask for statements back to 2000 ? my understanding was 6 yrs only.
Is there a term of words I should use when requesting statements and asking for charges to be repaid when the account was overdrawn and defaulted.
Any help gratefully received.
Part of the S.A.R - (Subject access request) request is getting ALL of your data from the banks.
I approached ltsb for mine and, after a bit of a fight, got statements back to 1997.
Now that's a nice little claim going in the post today.
Ignore the fact the account was defaulted, but you can use this as a condition of NO legal action.
Yep. SAR is a legal request and cannot be ignored.
Don't be so sure about them not taking it to the wire.
True they are unlikely to go to trail, but they can take it as far as that.
I'm currently dealing with an old Cap1 account that has been closed and passed around DCA's for a while.
My prelim is already in, just waiting for the stock" we aren't gonna pay you" letter then the fun really starts.
6+ years with CCI, now that should be fun for starters.
Claiming Charges When Account Defaulted?
TSB relating to charges to my account between July 2004 and March 2007; £619 !!
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