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Can I make a claim if I've closed my bank account?


Kozy
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So, can I make a claim, even though I have closed my account? I don't even care about the money, what I want rectified is the marks against my credit rating, as it has severly stuffed me. Is this possible?

 

The story goes...

 

I was charged in total somewhere in the region of £60 by Barclays for an unpaid direct debit. (I was short by about £4 on a £60 phone bill) They charged me twice for this, as the phone company tried to claim the money twice in one day, then was charged on top of this for going overdrawn unauthorised! When I received the letter telling me what was going on, I was told it is simply the way the system works. I informed the w@nk manager that I could not afford to pay the charges immediately, and asked if they could be put on hold until I could afford to pay (me being niave to the legality of the whole [problem] of course)

 

Fatso behind the desk simply shrugged, and said if I didnt pay immediately I would continue to be charged every two or three days! I left the bank, then returned a few minutes later, deciding that the £60 in my pocket would be well spent closing the account and telling Fatso what I thought of him.

 

I have since found out that this was a [problem], and I would like to persue it, but can I do this now I have closed my account? And can I get the points against my credit rating removed?

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The credit rating is what I really want sorted, the money, although always a bonus to get back, will not affect me for another 6 years!

 

Is there some process I can go through to get this rectified? I seem to have suffered unduly for no apparent reason!

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I'm not an expert on credit ratings but I would think that the first thing you would need to do is to get the bank to admit (or get it declared by a court) that the charge was unlawful. As part of any settlement you could ask the bank to agree to correct the CRF entry.

 

In the meantime you can get a note put on your CRF explaining what happened. It probably doesn't make a lot of difference, however.

 

One of the other mods may be able to give you more help.

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I have a particular interest in this abuse by banks ofe the credit system.

We ould be pleased to help you and see how far you take this matter. however, you should be aware that the banks don't care about the money butthey do care about the credit rating very much. This means that it could get quite bloody.

 

Fistly, do you have alist of all of the charges and interest on those charges which they levied against your account?

 

Secondly, you say that a direct debit was incorrectly levied twice against your acocunt on the same day. Was it tis error which cuased you to gt into a position where your account was deafulted.

 

Thirdly have you made a cmplaint to your bank under the Direct Debit guarantee scheme?

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Fistly, do you have alist of all of the charges and interest on those charges which they levied against your account?

 

Unfortunately I don't anymore. I did have printed records of it but they have since been shredded and disposed of. Would the bank still have this on their records?

Secondly, you say that a direct debit was incorrectly levied twice against your acocunt on the same day. Was it tis error which cuased you to gt into a position where your account was deafulted.

Yes it was. The money was not in the account the first time, and by the time I had put the money in on the same day they had charged me twice for dishonoured debits.

Thirdly have you made a cmplaint to your bank under the Direct Debit guarantee scheme?

 

No I this has only just come to light that this may have been unlawful. I'm just gathering information on whats happened and what I can do about it so far. What would you advise doing first?

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Put in a DPA request fro all ofthe info they hold on you. Sned it with £10 max fee.

begin a complaint under the direct debit guarantee scheme. begin it with the bank but make it clear to them that you are looking for their final response and that yo intend to go to the Ombudsman. (In this case, this might be a usful step)

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  • 12 years later...

This topic was closed on 03/06/19.

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

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