Please Post How Far Back You Have Managed To Obtain Statements

[Micky the Hippo]

everyone's case is exactly the same though surely? so as long as people follow the routine and do things properly they all frighten the bank the same I'd have thought (quite a lot)

 

and surely arguments don't come into it until the court? at which point it's likely too late for the CI argument

 

on a slightly different tack, exactly how does one stop the bank seperating the charges claim from the CI claim? Surely they offer the charges and that's that, thereafter they can point out to the judge that they're settled the charges and are now only contesting the CI part

 

all genuine questions

[TANZARELLI]

everyone's case is exactly the same though surely? so as long as people follow the routine and do things properly they all frighten the bank the same I'd have thought (quite a lot)

 

and surely arguments don't come into it until the court? at which point it's likely too late for the CI argument

 

on a slightly different tack, exactly how does one stop the bank seperating the charges claim from the CI claim? Surely they offer the charges and that's that, thereafter they can point out to the judge that they're settled the charges and are now only contesting the CI part

 

all genuine questions

 

See here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

 

I have already had 6 years back and am now going back to 1996-1999 but have still got one charge left from 2007 which was made after the other 6 year charges were refunded.

 

I paid this charge and then closed my account.

 

Tanz

[kennyh]

Micky, Emma and Un1,

This here is something I have copied along the way from this site - the interest rates (apart from the 8%) are obviously appertaining to the case from which I copied it but you get the picture. I've used this type of calculation with success but not had it tested in court. Hence my return, for a refresher, to those parts of this site dedicated to interest rates.

"The Claimant claims compound interest on the amounts claimed under the principle of mutuality and reciprocity in the contract between the Claimant and the Defendant, using the rate and method specified in the said contract, and as is applied by the Defendant to monies it is owed.

b) The Claimant’s grounds for seeking restitution of the compounded contractual rate of interest is that the Defendant would be unjustly enriched if the Claimant's entitlement was limited to the statutory rate of interest in that the Defendant has had use of the sums and would have used these sums to re-lend at commercial compounded rates.

c) The Claimant contends that the taking of unlawful penalties from the Claimant’s Account is unauthorised borrowing by the Defendant. Therefore, under the principle of mutuality and reciprocity in the contract between the Claimant and the Defendant, in the first instance the Claimant has calculated compound interest originally charged by the defendant, being 29.50%.

d) In the alternative to 9.c), should the taking of unlawful penalties from the Claimant’s Account not be deemed to be unauthorised borrowing by the Defendant, then, under the principle of mutuality and reciprocity in the contract between the Claimant and the Defendant, the Claimant has calculated compound interest at the Defendant’s authorised borrowing rate, being 16.99%.

e) In the alternative to 9.c) and d), if the Court decides that the Claimant is not entitled to the contractual rate of interest under the principle of mutuality and reciprocity in the contract between the Claimant and the Defendant, then the Claimant has calculated interest under section 69 County Courts Act (1984) at the rate of 8% a year

f) Details of interest calculated & rates used are attached to these Particulars of Claim (Appendix 1) as follows:

Column1 – Compound interest calculated daily at an annual rate of 29.50%

Column 2 – Compound interest calculated daily at an annual rate of 16.99%

Column 3 – Simple interest under s.69 of the County Courts Act 1984 at an annual rate of 8.00%"

Hope it helps.

Ken

[noomill060]

The penalty charges and interest levied thereon, form the principal of your claim. They both represent unlawful debits on your account.

 

Penalty charges - because they are a penalty and contractual interest because they have have then levied this on charges which were unlawful.

 

You dont seriously think a judge would allow any bank to profit from interest on an unlawfully applied debt.

 

Think about it.

[Guest bong]

this is all very interesting but can we keep this thread purely for the purpose of recording how far back you have managed to obtain statements please folks.

 

sorry to be bossy but otherwise the info will soon get buried here. Can I suggest you start a new thread for these important discussions, thanks.

[Micky the Hippo]

thanks ken/tanz

 

few threads where judge has tutted at CI alone noom surely, I do agree though and I've got two CI compounds under way to prove it

 

sorry bong

[Dr Hunter]

debt mountain recieived statements from the yorkshire/clydesdale bank going back to when the account was opened in 1996. Looks like it took some persuasion though.

[kennyh]

Point taken Bong - sorry

[Guest bong]

No worries. Thanks Dr Hunter - have updated the summary

 

Abbey - 1926 -80 odd years!

A&L -

Barclays - 12 years

Barclaycard -

Clydesdale (per debt_mountain's thread) - 1996 - 11 years (account opening)

Co-op -

Co-op credit card (per Glenn's thread) - 1997 - 10 years

HBOS:

Bank of Scotland - 10 years

Halifax - 1991 - 16 years

HSBC -

Lloyds TSB -

NatWest - 1992 - 15 years

Nationwide -

Northern Rock - 1995 - 12 years

RBS - 15 years

Yorkshire - 7 years (possibly 10)

[HSBCrusher]

Bong, an update on the HSBC.

It seems that they have suddenly changed their minds and are not going to be supplying the additional 5 year's info.

It looks like the member of staff involved has been told off.

So, still nothing concrete on HSBC.

[Guest bong]

[jshtr3]

Bong / Emmaf

But if I start hassling them about bank charges, is that acknowledging the debt?

 

If you do start chasing them and they do say you owe you them for the accounts then surely this is proof they have records going back to the dates of that account. Therefore they shoot themselves in the foot!!

Just a thought

[alibobsy]

This info may be of some use to Barclaycard customers. Over on the Barclaycard forum I have been told Barclays state they only started charging on Barclaycard in mid 2001. I got statements back to early 2001 and have no charges until july 2001 (and yes I was over limit at the time).

Alibobsy (off to post 2 lots of prelims to Barclaycard )

[noomill060]

I got my Barclaycard statements back to Oct 2000.

 

Barclaycard re-started charging penalty charges in August 2001.

 

Note that "RE-started"

 

Back in the late 1980s I got charged a fiver a time for late payments and going overlimit.

[WhatMoney?]

In my SAR (sent December 1st), I asked Lloyds for statements going back 6 years and they automatically sent out statements dating back to '97, when the a/c was first opened.

 

x

[TANZARELLI]

I got my Barclaycard statements back to Oct 2000.

 

Barclaycard re-started charging penalty charges in August 2001.

 

Note that "RE-started"

 

Back in the late 1980s I got charged a fiver a time for late payments and going overlimit.

 

This info may be of some use to Barclaycard customers. Over on the Barclaycard forum I have been told Barclays state they only started charging on Barclaycard in mid 2001. I got statements back to early 2001 and have no charges until july 2001 (and yes I was over limit at the time).

Alibobsy (off to post 2 lots of prelims to Barclaycard )

 

Well these two posts conflict

[oneofakind]

It's over ten years since I had a Barclaycard, but I KNOW that when I went over limit, or was late with a payment (because those cheques take soooooo long to clear!), I was charged. Was about £10-£15 as I remember.

 

No proof though. If I find any, I'll make it available.

 

[noomill060]

No real conflict.

 

Barclaycard were charging default fees in the 1980s, later they abolished them due to increased competition from the explosion in the number of other card companies.

 

In mid 2001 Barclaycard re-introduced their default fees.

[TANZARELLI]

No real conflict.

 

Barclaycard were charging default fees in the 1980s, later they abolished them due to increased competition from the explosion in the number of other card companies.

 

In mid 2001 Barclaycard re-introduced their default fees.

 

Yes noomill060,

 

I am aware of that but if as I thought was the case that they were re-introduced in August 2001 how com ethe other person has one from July 2001.

[Guest bong]

thanks whatmoney!

 

updated summary

 

Abbey - 1926 -80 odd years!

A&L -

Barclays - 12 years

Barclaycard -

Clydesdale (per debt_mountain's thread) - 1996 - 11 years (account opening)

Co-op -

Co-op credit card (per Glenn's thread) - 1997 - 10 years

HBOS:

Bank of Scotland - 10 years

Halifax - 1991 - 16 years

HSBC -

Lloyds TSB - 1997 - (date of account opening)

NatWest - 1992 - 15 years

Nationwide -

Northern Rock - 1995 - 12 years

RBS - 15 years

Yorkshire - 7 years (possibly 10)

[jkop]

Can anyone help with getting statements from HSBC - I have loads of charges with them but it was over 6 years. Back then I was really bad with my money. I got a massive overdraft and they then closed the account. I couldn't pay it all off so they defaulted me and I paid £100 a month for 10 months to Metropolitan Collection Services. Do you think I might be able to get some details from them? HSBC seem to maintain the 6year policy but won't say how the data is deleted. I'm kind of stalling with them at the moment.

 

I take it no-one has been able to get older statements that 6 years?

[TANZARELLI]

jkop,

 

I have pm'd you

[smartmartian10]

I too would be intersted in HSBC (First Direct in my case). I have already had 6 years of charges and sent a SAR for "everything" sent last week. Though they have already called me to say we have no statements older than 6 years! I even challenged the caller about micro and pc files - no only 6 years nothing older. Told them to put it writing.

[ncf355]

Just subscribing!

 

[Micky the Hippo]

I think people should use the whizzy para that bong posted last week, asking that the something officer signs a statement confirming that they hold no data prior to that already supplied

 

I think you really have to put a specific and professional person on the spot to get some truth out of them