Do you have charges going back more than 6 years?

[Guest peed orf]

Mornin' all, received reply from HSBC for the prelim I put in on 2 small accounts.

"We note your claim goes back more than 6 years. HSBC will not concider any claim over 6 years old given to it is time barred under the Limitations act".

Dates being July 1999- Aug 2000. and Nov/Dec 1999

Is it straight on to the LBA, and do I have to include any little extras in for them?

[chiggins18]

I have charges going back more than 6 years, probably back to around 1996. I am at the stage where I have to complete my money claim for the Abbey and Halifax. Is it worth going to the Ombudsman first? Charges for before 1999 could be around the £500 mark. Any advice on filling in my claim please would be appreciated - i.e one prepared earlier ....I'd like to sopy a successful claim if possible..

[mcuth]

Pen if you click on JonCris name and select 'public profile' there is an option there to view all threads he started

 

Indeed - you can even view the signature then too

 

Cheers

 

Michael

[chezt]

Indeed - you can even view the signature then too

 

haha! So u can!! Didn't notice that!

[macy52]

Hi Have been with Barclays for 8 Years and must have incurred more than £5000 worth of bank charges in that time, I would really appreciate someones help on how to claim these back - what do I do? Where do I start? Hope someone can help

[JonCris]

macy52

 

Hi may I suggest that you 1st read FAQ's then ask for further advice

[chezt]

Hi Have been with Barclays for 8 Years and must have incurred more than £5000 worth of bank charges in that time, I would really appreciate someones help on how to claim these back - what do I do? Where do I start? Hope someone can help

 

As JonCris says FAQ's are the best place to start - also I spent about 2 weeks just browsing the threads & reading as much as I could to familiarise myself with the process etc - it certainly makes things much clearer - happy reading & good luck!

[bill-k]

Macy52 - as JC & Chezt say, you need to read up by browsing here for a while first. It can seem a lot to take on, but you'll find yourself starting to focus eventually. We all have to do that first, otherwise any advice we are given will probably go right over our heads !!

 

Take your time and gain some knowledge and confidence.

 

HTH

 

Bill.

[richwhit1]

hi bankfodder,

 

i've had a first direct account since 1991 although i do not have any statements.

 

i dread to think of the charges i've paid them but the vast majority would have been from 1991 to 2000. i'm going to write to them to request the statements and am assuming that they will only send me back the last 6 years - do you have any advice???

 

I noticed post JonChris as follows:-

 

"If they claim they do not retain records over 6 years old demand to know when, where & how they where destroyed. Look below worked for me!"

 

Basically I'm wondering if anyone has any success in obtaining statements from more than 6 years ago - either originals or microfiched copies??? I do not want to send my SAR without knowing what to request.

 

Richard:confused:

[richwhit1]

also am i correct in thinking that if i have copies of the statements from more than 6 years ago and can therefore see the charges then I can can claim these charges back??

 

the obtaining of these statements could be worth '000's to me!!

 

Has anyone else had any luck in getting statements beyond 6 years old and if so how were your letters worded??

[bill-k]

Hi Rich, I have sent SAR's (using the CAG template) to both A&L and HBOS, and in both cases, I just got statement copies going back 6 yrs. I then wrote again, pointing out that I required ALL data, not just what they had sent.

 

Got no reply.

 

Sent it again, and got a "sod-off" - in effect saying that my complaint would be dealt with within the prescribed FSA time-scale...blah, blah.

 

So I sent in a complaint online to the Information Commissioner's Office.

 

Within a week, I got a load more stuff, with screenshots and lists of this & that, and copy statements going back to 1995. Also a covering letter saying that there will be more stuff to follow !!

 

So don't let them fob you off. And when you have finally got everything that it seems that you can get from them. Make sure you get them to confirm in writing that there is no more, and why. If destroyed, get them to confirm that when was destroyed, and by what method. That way, they will have a tough time coming up with anything else later on - especially if you base part of your claim on estimated charges.

 

Don't feel guilty about making them work hard. They're making you work hard for what is, after all, your money already !!

 

HTH

 

Bill.

[JonCris]

hi bankfodder,

 

i've had a first direct account since 1991 although i do not have any statements.

 

i dread to think of the charges i've paid them but the vast majority would have been from 1991 to 2000. i'm going to write to them to request the statements and am assuming that they will only send me back the last 6 years - do you have any advice???

 

I noticed post JonChris as follows:-

 

"If they claim they do not retain records over 6 years old demand to know when, where & how they where destroyed. Look below worked for me!"

 

Basically I'm wondering if anyone has any success in obtaining statements from more than 6 years ago - either originals or microfiched copies??? I do not want to send my S.A.R - (Subject Access Request) without knowing what to request.

 

Richard:confused:

 

Yes me! thats why I know the suggestion I made worked for me

[bill-k]

Yes me! thats why I know the suggestion I made worked for me

 

Hah !!! Sorry JC - I knew I'd read that somewhere recently !!

 

It's a bu99er this refinement of not showing sigs all the time. No link in your post to click on for us lazy lot !!

 

Dementia I can manage, as I'm not actually aware of it. But loss of short-term memory is part of the package, too, and I er...keep....ummm

[JonCris]

I have many CRAFT moments

[bill-k]

I have many CRAFT moments

 

I was going to ask for an expansion, but I'm getting the hang of forumspeak, now. Got it -LOL - and thanks for sympathising !!

[Robertxc]

I was going to ask for an expansion, but I'm getting the hang of forumspeak, now. Got it -LOL - and thanks for sympathising !!

...and Lots Of Love to you too!

[richwhit1]

Guys,

 

Thanks so much for the advices - I'm only at stage 1 of what I guess could be quite a long process, but Bill, would you suggest - if in fact I can obtain statements from the opening of my account in 1991 - to put one claim in for all charges from 1991 to present of just claim for the last 6 years initially and try to pursue 1991 to 2000 chages later on ????

 

Many thanks again for any help.

 

Richard

[bill-k]

...and Lots Of Love to you too!

What the...?

 

I thought I was getting the hang - but it's still a minefield , innit ?

[bill-k]

Guys,

 

Thanks so much for the advices - I'm only at stage 1 of what I guess could be quite a long process, but Bill, would you suggest - if in fact I can obtain statements from the opening of my account in 1991 - to put one claim in for all charges from 1991 to present of just claim for the last 6 years initially and try to pursue 1991 to 2000 chages later on ????

 

Many thanks again for any help.

 

Richard

 

Rich, my personal preference is to claim the last 6 years initially, then claim for the previous years. That at least keeps the Limitations Act out of the equation for the first claim - and maybe keeps the claim value down to SCC size. However, I have seen others (eg Glenn UK) suggest that you claim the lot in one go. Scares me - but not much scares Glenn !! His advice is always well worth considering.

 

So I would try and get some of the other members opinions on this before making your own decision on it.

 

HTH

 

Bill.

[Robertxc]

What the...?

 

I thought I was getting the hang - but it's still a minefield , innit ?

Well, you know, I have an advantage, because I have a 12 year old daughter who spends all her time talking gibberish to her friends on MSN and on her mobile.

[richwhit1]

Thanks for the advices Bill - I'm still getting to grips with how helpful everyone is on this site !!!!

 

I think i'll certainly try to get all of my statements from my bank but as this is my first claim just go for the 6 yeras initially and hopefully as I get the hang of things pursue the remaining charges afterwards.

 

Thanks again Bill - you've been a great help!!

 

Richard:)

[bill-k]

Well, you know, I have an advantage, because I have a 12 year old daughter who spends all her time talking gibberish to her friends on MSN and on her mobile.

 

Yeah, they still talk to you when they're 12. Mine's 16, doesn't talk to me unless she's skint, and I no longer DARE to look at what she's chatting to her m8's about, now !!

 

Brace yourself, mate !!

[Guest peed orf]

So I sent in a complaint online to the Information Commissioner's Office.

Bill.

 

Hi, I followed a link for the Information Commissioners Office and got the web page. However, the writing was so small and bitty, even with the magnifying tool, I couldn't read it!!!

 

Please enlighten me.

[chezt]

Hi, I followed a link for the Information Commissioners Office and got the web page. However, the writing was so small and bitty, even with the magnifying tool, I couldn't read it!!!

 

Please enlighten me.

 

If it's a web page you can change the size of the text....

 

Click 'View' at the very top of your screen then click 'text size' and change the size there ...hth?

[Guest peed orf]

Thanks Chezt, your a star! tried it, it worked!