Reclaim Your Bank And Card Charges - Page 44

**Russ B** · 20-10-2007, 14:29

Been going through my financial affairs from the early 90s and it seems I had 2 accounts, one with Lloyds, the other with TSB. I don't remember how long the accounts were open from or two other than they were circa 1992. IIRC there were one or two charges so I'm going to chase them up on it however I don't have the account numbers or any details about them at all other than they were my accounts.

Obviously they are going to make this as difficult as possible so what should my approach be? To request all the statements from each account? Are they likely to charge me for them?

Mr Angry · 20-10-2007, 15:43

Russ, have you any idea how long, if at all, they've been closed?

**Russ B** · 20-10-2007, 16:07

A good 12 to 13 years.

TheDaddy · 20-10-2007, 16:15

Quote:

Originally Posted by Russ B

A good 12 to 13 years.

Hmm can't you only go back 6 years?

Mr Angry · 20-10-2007, 16:19

As the Daddy says, I'm afraid you're "chinned" for the time being. Hold fire until next month - there is due to be a ruling on this.

**Russ B** · 20-10-2007, 16:25

Crap

**Maggy J** · 20-10-2007, 16:26

My bank whom I've been with for since I was 17 did something strange last month.I went overdrawn by £99 which is unusual these days and they charged me.This of course took it even further in the red..then the same day they returned the charges in full.I didn't ask for it,hadn't caused a stink about previous charges(not had any for some while now) but they returned it....Then a week later I got a very shirty headmaster in the study type letter complaining about the unautherised overdraft and explaining that as a customer of long standing and apparent fiscal sense they had returned the money but would I please not do it again.

I'm so glad that in between I had finally sneaked in behind their backs and organised online the overdraft that they have persistantly refused to grant me for the last 15 years.I only ever asked for £100 but they never would allow it.

Mr Angry · 20-10-2007, 16:34

Good on you Coggy!!

**Russ B** · 20-10-2007, 18:32

Just got off the phone to halifax to request a refund of a recent charge before I put it in writing and they claim they are refusing to honour all claims until the current test case between an unamed bank and a customer is finalised - instead they'll look at all claims afterwards and deal with the situation then.

Does anyone know about this case?

TheDaddy · 20-10-2007, 18:41

Quote:

Originally Posted by Russ B

Does anyone know about this case?

Yes

**Russ B** · 20-10-2007, 18:56

So what happens in the meantime if I wanted to take them to court while the case is ongoing? They can't simply say "Sorry son, wait for the test case" can they?

TheDaddy · 20-10-2007, 19:07

Quote:

Originally Posted by Russ B

So what happens in the meantime if I wanted to take them to court while the case is ongoing? They can't simply say "Sorry son, wait for the test case" can they?

I think so although they should really have taken the details of your claim and are Halifax part of RBS or the Bank of Scotland because I believe only one (RBS) is taking part in the test case

**Maggy J** · 20-10-2007, 19:08

Quote:

Originally Posted by Russ B

So what happens in the meantime if I wanted to take them to court while the case is ongoing? They can't simply say "Sorry son, wait for the test case" can they?

It would seem so Russ.

I soo hate banks..They have needled themselves into the fabric of society but behave as if they are a law unto themselves.Everyone is forced into having some sort of account whether they want one or not just to get paid a salary.

I can remember when most folk DIDN'T have a bank account..because they got WAGES in a nice little brown envelope.No waiting for the bank to process cheques,salary payments and you just paid cash for everything..and above all no credit cards and a society NOT built entirely on debt.The days of innocence.

Chrysalis · 20-10-2007, 19:37

Lloyds threatened to close my account if I dont take up a ripoff consilidation loan. The banks feel invincable right now as the law hasnt came down on them.

Mr Angry · 20-10-2007, 20:05

Quote:

Originally Posted by Russ B

So what happens in the meantime if I wanted to take them to court while the case is ongoing? They can't simply say "Sorry son, wait for the test case" can they?

They would simply tell you:

"Sorry son, you're out of time"

or

"Sorry son, we're under no obligation to address your claim as not only are you out of time but we have a dispensation due to the pending legal review which that awfully nice chap Mr Angry told you about".

Either way you lose.