Has your bank told you that they don't keep statements beyond a certain time?

[lamma]

Good stuff. Try to verify it with the OfT, the banks may have 'misquoted' - accidentally of course !

[Guest Gordons Barking]

Recently in response to a PPI claim I got them to fall into the trap by not mentioning that I had taken out a mortgage with them at the same time as taking out the PPI. I had previously sent out and received a SAR, which did not have any reference to the mortgage account although having some letters connected with the PPI. Having done my homework I knew how strong my claim would be having taken the loan out at the same time as the PPI and so it seems does Abbey. Because their final response featured the statement,'we have no knowledge of you holding a mortgage with us' - I do though bank statements and an Abbey headed letter from 2002. I will post up the final response later.

[Guest Gordons Barking]

Recently in response to a PPI claim I got them to fall into the trap by not mentioning that I had taken out a mortgage with them at the same time as taking out the PPI. I had previously sent out and received a SAR, which did not have any reference to the mortgage account although having some letters connected with the PPI. Having done my homework I knew how strong my claim would be having taken the loan out at the same time as the PPI and so it seems does Abbey. Because their final response featured the statement,'we have no knowledge of you holding a mortgage with us' - I do though bank statements and an Abbey headed letter from 2002. I will post up the final response later.

 

Found the original documentation, which I can send to BF direct if he wants it it would identify me by specific content so I will not post it up but: ~'contacted mortgage dept no record of a mortgage with abbey related to your mortgage'. I have original bank statements from opening the account, which from my SAR they probably assumed I did not have... I also have letter headed Abbey documentation relating to the mortgage account and letters from my lawyer of the time confirming the mortgage was in place before exchanging contracts. In another section of the final letter it refers to telephone records from 2000 discussing the PPI, which i also have from the SAR. This shows they do keep records more than 6 years but only when it suits them.

Edited March 7, 2009 by Gordons Barking

[Hadituptohere]

Hi guys

 

I sent a SAR to the original lender of a CC that cabot are dealing with that being Monument CC and recieved a responce from Barclycard, I recieved a small list of charges that went back only six years, I now have a hearing on the 16th march for noncompliance under the dataprotection act in Burnley County Court and the defence states that barclaycard have fullfiled their obligation by holding my account info for six years and as the information I request is past that date they no longer hold this info.

 

barclaycard defence : http://www.consumeractiongroup.co.uk/forum/barclaycard/166141-providian-then-monument-then-2.html

 

Hadituptohere

[phatram]

I was told by the Co-op I could have any statement from when our joint account was opened (1980ish) if I paid for them !

[ork]

Not only statements what about taped telephone conversations

[citizenB]

We'd still very much like to get the information asked for in the first post to this thread please.

There could be some very important issues here.

 

MBNA

27th August 2008 and 15th October 2008

I will just go and scan the letters and pop them on here for you.

[yourbank]

Not only statements what about taped telephone conversations

They don't have to be kept for 6 years

[citizenB]

Clicking on the thumbnails will make them larger

 

 

 

 

[LadyK]

Hi there

I have a Barclaycard Visa going back to about 1985ish. They have not responded to my CCA request received by them on the 30th Jan. I have most statments going back to 2003 which have a PPI payment on so presumably this goes back to when I opened the account, some 18years. I was only about 18 when I opened the account and had no idea about what PPI was - I was even made redundant in 2000 and did not claim as I did not know what PPI was until recently.

What I really want to know before I SAR them is will I be able to claim back beyond the 6 years, the last six years (until last couple of months) have been clear of any charges. But, going back more than six years including PPI there will obviously be quite alot.

I intend to send a default letter to them anyway.

[citizenB]

Hi there

I have a Barclaycard Visa going back to about 1985ish. They have not responded to my CCA request received by them on the 30th Jan. I have most statments going back to 2003 which have a PPI payment on so presumably this goes back to when I opened the account, some 18years. I was only about 18 when I opened the account and had no idea about what PPI was - I was even made redundant in 2000 and did not claim as I did not know what PPI was until recently.

What I really want to know before I SAR them is will I be able to claim back beyond the 6 years, the last six years (until last couple of months) have been clear of any charges. But, going back more than six years including PPI there will obviously be quite alot.

I intend to send a default letter to them anyway.

 

LadyK, I think this is probably the wrong thread for your post. Have you started your own thread regarding this:)

[samcam]

I was told by the Co-op I could have any statement from when our joint account was opened (1980ish) if I paid for them !

 

yes you can - that's what the £10 fee in your SARs is for AND THEY KNOW IT!

[LadyK]

Sorry, I didn't want to highjack thread, but as thread was asking whether CCC were agreeing to send older statements, I just wondered if they were allowed to refuse.

I accept, my question as to whether I could claim back bank charges and PPI beyond 6 years should be posted elsewhere.

Thank you for your replies.

[citizenB]

Sorry, I didn't want to highjack thread, but as thread was asking whether CCC were agreeing to send older statements, I just wondered if they were allowed to refuse.

I accept, my question as to whether I could claim back bank charges and PPI beyond 6 years should be posted elsewhere.

Thank you for your replies.

 

Sorry, please accept my apologies. I wasnt accusing you of hijacking. Just suggesting that you might receive more detailed assistance if you were to start your own thread. In answer to your question re the statements. I believe Bank Fodder really only wants copies of letters where a company has in fact refused to supply the statements prior to 6 years.

 

It is the general consensus of opinion that they should be able to provide this information via an SAR.

[stuscfc]

I was told by A+L last year while doing research for a court date that they dont hold data for more than 6 years.Also Halifax told me the same but only a few months later i opened a current account and she gave me a list of DDs on my banking history with them, which is 20 odd years, and on there were things i had with them spanning more than 6 years i can tell you but i havent got anything in writing.

[NitrousOxide]

I thought the Microfiche argument was solved by the ICO a long time ago?

[citizenB]

I thought the Microfiche argument was solved by the ICO a long time ago?

 

It was, the link below contains the ICO's response for one Cager re b/card and microfiche.

 

http://www.consumeractiongroup.co.uk/forum/barclaycard/50148-barclaycard-microfiche-they-wrong.html

[COOKIE24]

I used to work for Barclays (left in 2002). We were told that they only kept paper records for 6yrs (as this was the legal requirement) and recorded phonecalls for 4 yrs (although this may only be for the barclaycall function which is branch and telephone banking). Not sure if this is completely accurate but was what we were told during training.

[samcam]

It was, the link below contains the ICO's response for one Cager re b/card and microfiche.

 

http://www.consumeractiongroup.co.uk/forum/barclaycard/50148-barclaycard-microfiche-they-wrong.html

 

So why are they still quoting that it ISN'T?

 

Where is this on the ICO website - I want to throw it back in BCs face

[Robdblynd]

In the order the question was asked BF;

 

Abbey,

 

6 years

 

June 2007

 

 

and yes, I have my original letter requesting pre 6 years and although slightly chewed having been rescued from the pup, I have their response and will post here or send to you, whichever you prefer.

[payback68]

Letter from Barclay's Partner Finance :-

Barclay's 10.doc

[payback68]

The letter states that they do keep statements but not agreements as you will see, which seems idiotic to me really.

[Fright-Flight-Fight]

I required statements for another matter unrelated to Bank Charges so called my Banks.

 

Bank of Scotland in light of the Bank charges issue provided me 7 years of statements for free with a fee levied on further historic statements which I declined.

 

Bank of Scotland VISA said they capped any request for statements at £100 so I requested (and received) 10 years of statements and they didn't charge me

 

Royal Bank of Scotland JERSEY refused point blank to surrender more than 6 years statements even for a fee. Denied they held statements longer than 6 years. Informed me I did not require more than 6 years worth (Note: the request for statements was unrelated to Bank Charges). Informed me they were oblidged to retain only 6 years of statements. Let it slip several times that if forced to release further historic statements by say a Government body that they would. I requested on numerous occassions (phone and by Letter) they furnish me with MY statements or confirm in writing they did not hold additional statements. They refused to put anything in writing.

 

Mid 2007

[lexis200]

I required statements for another matter unrelated to Bank Charges so called my Banks.

 

Bank of Scotland in light of the Bank charges issue provided me 7 years of statements for free with a fee levied on further historic statements which I declined.

 

Bank of Scotland VISA said they capped any request for statements at £100 so I requested (and received) 10 years of statements and they didn't charge me

 

Royal Bank of Scotland JERSEY refused point blank to surrender more than 6 years statements even for a fee. Denied they held statements longer than 6 years. Informed me I did not require more than 6 years worth (Note: the request for statements was unrelated to Bank Charges). Informed me they were oblidged to retain only 6 years of statements. Let it slip several times that if forced to release further historic statements by say a Government body that they would. I requested on numerous occassions (phone and by Letter) they furnish me with MY statements or confirm in writing they did not hold additional statements. They refused to put anything in writing.

 

Mid 2007

 

If you requested all information/statements held on you by doing an SAR, they can't say they'll withhold statements, or cap them at £100. You pay £10 and get everything they have, that's how it works. Cheeky.

[lamma]

they will claim the older ones are on fiche - and then claim the fiche does not come under the DPA (as earlier in this thread)