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Hi folks, i have just joined up today (HELLO). I am looking for a bit of guidance, i have many old bank accounts which are no longer used and i know that they have charged me horrendous amount of charges over the years.

I need to get my hands on the account details of old accounts and was wondering if someone could try point me in the right direction. After obtaining the account information i would need to contact them and obtain statements from them. :)

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hi, i have just joined the community after months of reading on here and thought i would say hi to you all after finallly getting the guts to start everything off. i am a nat west current account holder and have just received my s a r. there are many charges on there that i have highlighted so i'm now back on here now swatting up on the next thing to do. i believe this is downloading the spreadsheet that work everything out for me and sending it with the prelim letter leaving off the 8% interest.

 

the statements show the following types of charges and i would appreciate your comments on which i should include and which spreadsheet to use (the easiest, i'm not very hi - tech!)

 

- fee - unarranged borrowing fee £14

- charges - referral charge - £25

- charges - service fee

- interest persnl ln interest

- charges - unpaid items - £30

 

- interest due - interest - various amounts

- charges - various amounts these 2 are always together on the statements

 

throughout the 6 years i was sometimes an ad gold customer sometimes not

looking forward to your comments and thoughts and hoping that you don't think i'm lazy asking so many questions but want to get it right and can think of no ne better to ask than you guys

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Guest louis wu

Hello dmckeo

 

This could be tricky.

 

If you have had these accounts within the last 6 years, then they should have your details. If you haven't moved house, it should just be a matter of calling them, or going into your local branch, and asking for it.

 

If its over 6 years, then they don't have to keep records, although I think we all know they do, but you would have to prove it, and thats near impossible.

 

Now, once you get the details, you will face the same problem with regards to your old statements. Anything over 6 years, and they may just say that they don't have them, and how can you prove otherwise.

 

It's a case of try it and see how far you get. I am trying something with an old account (I remembered the account number...how sad am I?), but as yet have had no statements.

 

Best of luck

 

Louis

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Guest louis wu

Hi quest,

 

firstly, you need to start your own thread, otherwise it gets too confusing. Post it in the Nat West forum.

 

To quickly answer some of your questions

 

- fee - unarranged borrowing fee £14

- charges - referral charge - £25

- charges - service fee

- interest persnl ln interest

- charges - unpaid items - £30

 

- interest due - interest - various amounts

- charges - various amounts these 2 are always together on the statements

 

charge - service fee, sounds like a non claimable item

The rest of them seem straightforward, except the last statements, the 2 charges always together, you will need to elaborate.

 

post in the NW forum, and other NW users will tell you whats what.

 

Good luck

 

Louis

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Guest ChloeJane

Hi there!

 

Closed accounts as louis said you can claim on. It helps to put the branch you opened at and the address at the time.

 

Step 1. Get your information! So you know what to claim.

 

You do this by easily following templates by copying and pasting them to suit you and your details.

 

1. Data Protection Act, Subject Access Request letter - List of charges

 

Click on the link above and you will go to a template that will be to request your data and information from the bank.

 

Under the data protection act, the bank has what is called the Data Controller - they are usually located at the head office.

 

A copy of the act is here.

 

Data Protection Act 1998

 

While the branch may accept the request - they will have to forward it the data controller which is head office.

 

So....................... .........

 

 

Send the letter addressed to :

 

Data Controller

Banks Head office Address

 

Include £10 which is a fee they have a right to charge under the act and ensure you get proof of postage.

 

This means you have complied with the ACT. Letters to branches can delay the process as has been found before with Data Protection Delays.

 

You can than spend the 40 days waiting for the information but can look around at what the tiimetable will be and what steps are next.

 

A great link is below which sets out a sample of the process. The links are on the right.

 

www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

 

 

Chat -- is a great way to ask questions instantly! so come on in and meet new friends and find support.

 

Look me up if you need more help! Step 1 is the letter.

 

All the best with your claim.

 

CJ

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