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Lack of account details


JLGee80
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Hi all,

 

Im about to embark on reclaiming my bank charges. Thing is i dont have all the account details going back 6 years.

 

Should i just send an SAR to the banks that i used to have accounts with? Will they then give me the account details and a list of costs associated with the said accounts?

 

Thanks in advance

Jason.

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yes, do exactly that. Your lack of an account number will cause a few extra problems and of course they will try to take the opportunity to use this as an excuse to withhold the data from you -- hoping that it will frustrate your charges claim. However be persistent, the assertive, get your teeth into them and don't let go

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Hi all,

 

Im about to embark on reclaiming my bank charges. Thing is i dont have all the account details going back 6 years.

 

Should i just send an SAR to the banks that i used to have accounts with? Will they then give me the account details and a list of costs associated with the said accounts?

 

Thanks in advance

Jason.

 

They should provide charges details going back to july 2001 under the FSA Waiver on Bank Charges. I would try and send as much details as possible and if you remember roughly when they were closed then it will help. Remember to include the statutory £10 fee or they may well send it back to you without it.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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They should provide charges details going back to july 2001 under the FSA Waiver on Bank Charges. I would try and send as much details as possible and if you remember roughly when they were closed then it will help. Remember to include the statutory £10 fee or they may well send it back to you without it.

They should provide charges details going back for the entire history of the account under their Data Protection Act obligations.

 

Check our data disclosure poll to see the extent that other people have received from the bank. The Consumer Forums - Data disclosure poll

 

It's a very new survey but already we are seeing that several banks are able to supply data going back far linger than 6 years.

 

Don't forget that you can claim back as far as 1995

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They should provide charges details going back to july 2001 under the FSA Waiver on Bank Charges. I would try and send as much details as possible and if you remember roughly when they were closed then it will help. Remember to include the statutory £10 fee or they may well send it back to you without it.

 

I think that it is unhelpful for this poster to rely so much on the FSA waiver.

 

It is a little industry agreement which has little to do with the interests of the consumer.

It has said nothing about putting a halt on debt collection or in any other way attempting to restrict the behaviour of the banks.

It says nothing about preventing negative entries on people's credit files.

It offers no hardship refund guarantees.

It attempts to make a virtue of some hardship provision which for the great majority is difficult, intrusive and illusory.

It promises certain standards to be followed by the banks in the (most likely) event that the Banks lose the test case. However, this is all flannel. The banks will be obliged by law to do at least the things promised in the waiver - and in fact the banks will be obliged to go back to 1995 - which the FSA has not said - even though there can be no doubt that they must have been aware of this for at least as long as I have - well over a year.

 

The FSA should not be given any credit for the waiver and the waiver should not be looked at in any kind of authoritative way or at all . The FSA is the friend of the finance industry. Not of the consumer. Frankly, the consumer does not really have any friends - other than other consumers.

 

I think that most people are pretty convinced of that having seen how sluggish any of the regulatory bodies are to move themselves in the absence of very serious consumer pressure.

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BankFodder, would you like me to help CAGGERS with regards to the FSA Hardship because that is all I am going to work with and not your view on bank charges at the moment?

 

The reason is that the OFT test case issues are not over and there is nothing else or alternative on the table while this issue is being resolved.

 

If you feel that the waiver offers no hope to any claimants then I will cease to post on hardship on that basis alone here.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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