This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/08/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/08/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

The plot is now thickening. I sent off the 2nd LBA on the 4th of January. I received a reply today saying they got my letter in their office on the 8th. I sent it to the wrong place initially so should I wait 14 days from the 8th or 4th before starting court action? Also should I use MCOL or the local court? I will be claiming in England for £1800 plus interest. Cheers

Well here is an update on my actions. I first applied to the bank for my account details in April last year(2006). They dragged their feet but eventually after a complaint to the Information Commisionar I got the details on an account that was closed in 2003. I totalled up the charges 6 years from my first letter and these came up to £1840. I wrote to the bank asking for them back on 11 December but have heard nothing. I will be sending a LBA tomorrow giving them a further 14 days but in the meantime I have used a spreadsheet (England Simple) and have calculated there is £847 in interest. Being that the charges go back 6 years does this seem correct? Thank you for your help and I'll keep you updated.

A bit of advice please. I am calculating how much the bank has taken from me. In the early days, when the bank applied an excess O/D charge they also applied an account maintenance charge on the account. Am I able to claim this back in addition to the other charges? Also although early days, will I be able to pursue the claim through the english system as I now live in England. Cheers

I am in the process of calculating how much the bank owes me. I have noticed that whenever they have charged me, I got an account maintenance charge for that month. When I contact them for a refund can I include this figure in the total? Many thanks

I have received no reply for details of my closed account despite 2 attempts and waithing 2 months. Is it correct that I now complain direct to the Information Commissioner and is there any other course of action? Cheers

I have received nothing from the BOS despite sending a letter to both the customer services and my old branch and the 40 days has expired. I closed my account 3 years ago but I am claiming for the 4 years previous to that. I am about to send Template 3 to the old branch. Is there anything else I should do? I am also living in Somerset now. Should I claim through English or Scottish courts and is it easy to claim through Scottish courts from down South? Cheers for your help

I have finally got an answer that my account was closed before the Halifax took over the BoS. I have now requested the details from my old branch but was wondering whether I should also complain.

I wrote to the customer services with a DPA request on 11 April 2006 about an account that was closed in 2004. I received a letter dated 27 April saying they could not find any details on the account. I called them on 5 May and the person managed to get the details of the account and told me I would have them within 2 weeks. I have since received no further communication from them and I called them again today. The person I spoke to could find no record of the account and asked me to call back on Monday when the business centre was open. Where do I go from here as they have obviously broken the 40 days allowed for the supply of information and the clock will continue to tick.

I may have messed up here. I sent a DPA request to the Halifax contact details and they have replied saying there is no record of my account which has been shut for about 3 years. Do I send another DPA to the Bank of Scotland or call them as I have subsequently found my details.

I have now received my statements by courier and calculated they have taken £260 in charges, relatively little compared to some. I am now sending the first request for repayment however I have 3 concerns. Firstly I have a loan with the bank, can they ask for repayment? Secondly, I gather they could close the account but I think this is unlikely. Thirdly, can this request and subsequent action appear on your bank record and be held against you in the future and if so for how long? I checked the FAQ's and couldn't find answers sorry....

Am I able to claim back charges on a closed account? I closed my Bank Of Scotland account 2 1/2 years ago but was charged during my time with them. If so do I go through the same process? Many Thanks

I sent my DPA notice on 1st April (No Joke ) and received a reply dated 6th April from the data security manager stating my statements etc would be sent out by courier and there is no charge. Guess I just sit back and wait then send off my prelim request once I've worked out how much they owe me. Anybody know whether people have been successful and how many have gone to court>