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Charges from student days....

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Heard about the forum a while ago and found it tonight after google search after trouble with Orange!


I used to be a Nat West customer as a student and new graduate.(1997-2003ish) I often went overdrawn and consequently often got charged. I shut the account down around 2002/2003.


18 months ago I applied for credit and was turned down. After contacting credit people found out Natwest hadnt shut the account because I was around 50p overdrawn at the time of request of closure. This 50p became a few hundred pounds in the subsequent years. It was then passed to a collection agency. Due to me moving house a number of times it never came to my attention. After a rather irate phone call Nat West agreed to write off this amount and correct my credit rating. Result!My account was then correctly closed!


Now, would I have any chance in claiming back the many overdrawn charges (£100's I would think), that were accumulated as a student in the late 90's and early 00's?



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Hi HC,


Welcome to the forum. Congratulations on getting your account closed and credit file corrected.


With regards to your earlier charges some of these will have been incurred over 6 years ago so there is a bit of a problem with regards the Limitation Act 1980 which generally limits claims to 6 years.


However once we have a definitive ruling on charges from the OFT test case we should be able to go back beyond the 6 years using s.32 of the Limitation Act as the charges were paid in the mistaken belief that they were lawful.


All the best


Zoot :)

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  • 3 weeks later...

I have claimed back charges dating back to 1992 from halifax without a peep from them. Do you think they paid out of the goodness of their hearts. I do not think so. They paid out because there was no legal argument against me doing so. I realy dont understand why moderators constantly advise new claiments to limit their claimd to 6 years when s.32 of the Limitation Act clearly states that the claiment has 6 years from the date that becomes known to them.

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