Please Post How Far Back You Have Managed To Obtain Statements

[HSBCrusher]

I know I've PM'd you about this Crusher but I'm wondering what others might think about this - HSBC solicitor's sworn witness statement for my hearing stated that they don't hold the data going back further than 2001! :eek:

 

Looking forward to finding out what evidence you've got there Crush!

well, just had a PM from a very well known user, they have just been told on the phone in no uncertain terms that microfiche is held going back 5 years further than the usual 6 years... 11 years in total!

I have asked the users permission to give a name, I will do so if I get it.

[Guest bong]

is this person going to get hold of these statements do you know crusher?

[HSBCrusher]

they have been "ordered", and are going to be supplied.

[Micky the Hippo]

brilliant work people

 

I look forward to skipping lightly across the shoulders of you giants

[Guest bong]

a skipping hippo? I'll pass on that one thanks

[emmaf01]

I'm having real problems getting statements off Lloyds/TSB- yes they were separate when I was banking there.

 

I've sent my SAR/CCA request- no response. So I've sent them a dpa non-comp letter.

 

So I rang up, to be told that they found my account (I have my sort codes and account numbers), but as they could not verify my identity, they could not transfer me to the department dealing with it.

 

Anyone got any ideas?

[Guest bong]

maybe ask them if they could ask you a few questions about yourself to compare with their records - date of birth? address? or whatever else they might have on their system.

[Micky the Hippo]

id? that's utter nonsense isn't it, I've seen that one elsewhere

 

if they're sending the stuff to your registered address, what an earth can the problem be?

 

I'm not actually a hippo, although I am the best part of 17st

 

I'm tall though

[emmaf01]

I've now found out the accounts were closed in 1997-8. As they both had large overdrafts, these have been written off. I don't think it is worth bothering them now- in case they chase me for the debts- and they won't have any info left- is this right?

[Guest bong]

I dont think they can chase you for debts from 97/98 because they will be statute barred (to play them at their own game!) unless they have tried to contact you within the last 6 years to obtain payment from you.

[emmaf01]

But if I start hassling them about bank charges, is that acknowledging the debt? I've sent them a SAR and now a dpa non-compliance letter.

[Guest bong]

But if I start hassling them about bank charges, is that acknowledging the debt?

 

no it isn't acknowledging your debt, its only acknowledging theirs. the two aren't related, they lost their time to pursue you but through their concealment and/or your mistake, you have reason to pursue them beyond the statutory limitation period.

[emmaf01]

Ok, I'll see what happens- I'm waiting to see their response to my dpa non-compliance letter.

[PhantomReclaimer]

Northern Rock provided me with details of all charges back to March 1995 (account opened thereabouts), after initially only providing 6 years and telling me vairous [edit] relating to how they didn't have to provide them, I couldn't claim back further, etc, etc.

 

Barclays have said they only keep information for 12 years and that they couldn't find anything relating to my previous account which would have been closed sometime pre-'95, having been opened about 1987, I would think.

 

P.

[Guest bong]

the latest summary

 

 

 

Abbey - 1926 -80 odd years!

A&L -

Barclays - 12 years

Barclaycard -

Co-op -

Co-op credit card (per Glenn's thread) - 1997 - 10 years

HBOS:

Bank of Scotland - 10 years

Halifax - 1991 - 16 years

HSBC -

Lloyds TSB -

NatWest - 1992 - 15 years

Nationwide -

Northern Rock - 1995 - 12 years

RBS - 15 years

Yorkshire - 7 years (possibly 10)

[kennyh]

Anyway, emmaf, if you start compounding any charges on those accounts you'd possibly clear the debt AND come out in front (my first is £45 from Sept '95 which attracts £676 interest when compounded just annually at their(RBS) rates; I'll bet Lloyds or TSB were no cheaper!)

[un1boy]

the latest summary

 

 

 

Abbey - 1926 -80 odd years!

A&L -

Barclays - 12 years

Barclaycard -

Co-op -

Co-op credit card (per Glenn's thread) - 1997 - 10 years

HBOS:

Bank of Scotland - 10 years

Halifax - 1991 - 16 years

HSBC -

Lloyds TSB -

NatWest - 1992 - 15 years

Nationwide -

Northern Rock - 1995 - 12 years

RBS - 15 years

Yorkshire - 7 years (possibly 10)

 

Thanks for this summary - great help.

 

Just to let you know, Nationwide have given us since 2002 - but I am pressing them for longer.....

[un1boy]

Anyway, emmaf, if you start compounding any charges on those accounts you'd possibly clear the debt AND come out in front (my first is £45 from Sept '95 which attracts £676 interest when compounded just annually at their(RBS) rates; I'll bet Lloyds or TSB were no cheaper!)

 

Kenny, can you talk me through what u mean but compounding? By PM iff poss, saves hijacking this thread!

[emmaf01]

If they had let me know at any point since 1997 that the accounts had been written off, I wouldn't mind!

 

It goes against the grain not to go in for the kill. I think I'll wait for a response, or if someone can tell us how long they keep their records for?

[noomill060]

Banks keep records for ever. They live for records. Financial Information on people is their only asset.

[noomill060]

Well, that and money!

[emmaf01]

Yeah- OUR money!!

[noomill060]

[Micky the Hippo]

the compund interest I'm claiming on stuff 6 years old looks very close to being unreasonable to me, as it's it's a hell of a lot more money that the core charges

 

does anyone think a court would back compound interest on charge made twelve or more years ago?

[TANZARELLI]

the compund interest I'm claiming on stuff 6 years old looks very close to being unreasonable to me, as it's it's a hell of a lot more money that the core charges

 

does anyone think a court would back compound interest on charge made twelve or more years ago?

 

Has not been tested yet in court, however if your case scares the sh@t out of the banks and does not give them wriggle room then theres a good possibility it may be settled prior to court hearing, however you must fully understand the arguements first.

 

Tanz