10 year old account

[mollyhannah]

if you had an account which was closed 10 years ago but which inccured loads of charges, why can you not claim these back? If it is only now that you have found out that these charges were infact unlawful, there was nothing that could have been done at the time as you didnt know but now you do why not?

[PhantomReclaimer]

I can see no reason why these charges shouldn't be reclaimed, regardless of when they were incurred. The Limitation Act creates a 6 year statutory bar to claims but provides exemptions if the original debt was accrued due to fraud or mistake.

 

Claim the charges and let the banks show that the claim is statue barred. Unless they think they have a very high chance of success then it is going to be commercially very unleasant to be seen to be publicly arguing with a customer about their honesty and integrity.

 

P.

[mollyhannah]

ok Phantom reclaimer, thanks for your reply. i sent off DPA letters to an old account of mine and 3 of my husbands yesterday. I will take it from there and let you know how i get on.

Thanks again

Karen

[Rider]

Hey Karen

 

I hope those 3 husbands are grateful and that the others don't start to feel neglected

 

Go for those charges. As Phantom says they will have to prove they weren't defrauding or being negligent and that means taking the stand and they ain't gonna do it just yet!

[mollyhannah]

LOL... Thanks for picking up on that Rider, 3 accounts not husbands.

 

Thanks for the advice also.

[ozzywizard]

lol @ the 3 husbands.

 

Did you send 3 SAR letters to the same bank each with 3 payments of 10 ?

 

You didnt really need to do this as one letter and payment would of covered all.

[mollyhannah]

No i just sent one letter with one payment for one husband for 3 accounts. I thought this was the right thing to do.

[orfoster]

Yep thats the right one. They should respond with that. Good Luck, i will be watching with interest.