*Loan,banking and credit>>>bank account

Can I claim back a bank charge? even though I have cancelled my bank account?

Yes, you can claim back all your charges for the last 6 years.

It makes no difference that you have closed your account, in fact this is the best situation you can be in as the bank can't retaliate!

The process shown below is the one you need to follow to claim your bank charges back. Also have a thorough read of my site below which tells you everything you need to know to get 100% of your charges back yourself.

The process and timescales for claiming bank charges back yourself is:

1) Write to the bank and ask them for a copy of your charges for the last 6 years, or alternatively a set of statements for the same period. You do this by making a "Subject Access Request" under the Data Protection Act, enclosing a cheque for 拢10 made out to the bank. This by passes the banks normal charges for statements which is normal a large amount for 6 years worth. The bank have 40 days to send you the data.

2) Write to the bank asking them to refund your charges, giving them 14 days to reply, attaching a "Schedule of Charges" (a list of the charges you are claiming for).

3) Send the bank a "Letter before Action" giving the bank one last chance to refund your charges before you take court action. They have 14 days to reply.

4) File a claim online using the Money Claim Online web site run by the UK Court Service. The claim is served on the bank 5 days after its submitted. The bank has 14 days to acknowledge the claim. If they don't you can request a "Judgement by Default" and you win the case, and get your charges, statutory interest at 8%, and your court fees.

If they do acknowledge the claim, they then have 14 days to submit a defence (making 28 days in total from the date the claim was served). If they don't then you can again request a "Judgement by Default", and get back your charges, interest and court fees as above.

If they file a defence, then you and the bank get an "Allocation Questionnaire" to fill in. Some judges dismiss the case at this stage, as the bank can't win, so again you win. If this doesn't happen, a hearing date is allocated. The bank will either back out before the hearing, or won't turn up in court. Again you win the case and get your charges, interest and fees.

Follow the correct procedures and you will get your charges back! Its important to send all letters to the bank and courts by recorded delivery, so you can prove they were received, and more importantly when they were received (which you can find from the tracking section of the Royal Mail web site).

Also make sure that you send all letters to the banks head office, and not your local branch. Don't phone the bank either, as this can delay things and you have no proof of whats been said.

Have a look at my site below which has detailed step by step guides to the whole process of claiming your charges back. It also has template letters you can put your details into and send to the bank, and forums for one to one advice. We also have a guide to filing your claim in court online, which is unique to the site.

My site has helped numerous people get their bank charges back, and I help new people on a daily basis. I`m sure it will be of use to you and will help.

The site is free to use! Source(s): http://www.claimbankchargesback.co.uk/...

Yeah. For the last 6 years.
David there is no standard answer here.

If this is an american account the process will be different from what it is for no american accounts.

all banks adre governed by the fdc and have to abide by their rules but pull out all of the ammendments that you have received in statements from your bank. If they have a deadline for claims especially if there is a separate process for closed accounts you may be screwed. the FDC is so overwhelmed with the corruption of banks and the tricks they have used to charge excessive fees and collect ridioulous charges for overpayments that your issue may be a common one with a charge pending against your bank already. try to find that out too.

Meanwhile write a letter that you send certified mail and let them know that if they dont reply to acknowledge the letter that you will presume that they intend to not take action and intend to contact the FDC forthwith

i hope this helps
helped a family member resolve a matter
yeah right up to six years ago..so if you have paid more than one charge in that time..get them all back