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Can i reclaim bank charges on my old bank account when i cannot remember my account number? |
Can i reclaim bank charges on my old bank account when i cannot remember my account number? Yes, you can do, and claiming on an old account is the best situation, as the bank can't do anything to penalise you for claiming! You can get your bank account number from the bank when you send in your request for your charges. Include as much info as you can remember, name and address at the time the account was used, also your date of birth, and any other relevant information. Use the steps below, and the template letters on my site and you should have a good chance of getting a full refund of your charges. My site tells you everything you need to know, and sets you up to be in the best possible position with your claim. The full process and timescales for claiming back your charges 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 most likely 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 stand a good chance of getting 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. The site is free to use! Source(s): http://www.claimbankchargesback.co.uk/... If you haven't kept the bank statements, how are you going to prove it? (If you have - the number's on the statement) yes, call the bank give them your name, address etc, explain you can't find your account number and that you would like to request statements for the last 6 years on that account. Data Protection Act means they have to do it for you. then follow claims process, using template letters on http://www.moneysavingexpert.com... had successful claims with Natwest and Halifax using template letters on www.moneysavingexpert.com yes, write to the bank and request last 6 years statements - provide all your details, name, address, Date of Birth or visit the bank with ID such as Driving Licence/passport and they will arrange for you It dosn't matter that you have lost the account number you are entitled under the Data protection Act Building Society manager |
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