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can you tell me how long a bank has to keep your statements (accounts) on file if its a closed account either by customer request or because they closed it?
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Re: Statements
I thought it was 6 years Jen but not sure why -
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Yes as Niddy has drummed into me, banks have to keep 6 years of data. They "may" keep more records than 6 years, but they are only duty bound to keep 6.I hereby promise to treat Debt Collection Agencies with the same values that they treat me. UTTER CONTEMPT !!
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awesome, so they have to give me copies of statements? they couldnt do it over the phone said id have to go into the branch.. basically the CSA have fu*ked up again and have "lost" 6 of our payments when we switched banks. so now i have to "prove it"Comment
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I think you'll probably have to pay for them Jen, but long as it's within 6 years you should be OKComment
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yeah thats fine it will be less then the cSA. its funny i requested a statement from them... and they said they don't keep records
I said so how do i know I really owe that amount.. they said um wellt he computer is saying it.Comment
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How reassuring!Comment
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Jen,
Its 6yrs minimum (in line with HMRC guidelines for keeping company paperwork and in line with DPA Guidelines)... However, as I explained to Billy, they will not voluntarily throw/shred data - they keep it so chances are you'll be able to get whatever you want by sending a SAR for £10. If you do a statement request, they can and will charge you anything from £5 - £15 per copy statement so a SAR does all this for you, for the pricely sum of a tenner.
As for the CSA, they are incorrect as they work on verification not declaration so they too will be able to appease any SAR made to them, personally if I was you - for the sake of a tenner i'd SAR the CSA and twist this to your favour.
SAR that i'd be using is here: ---> viewtopic.php?p=2312#p2312I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!
If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.ukComment
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This is really helpful - thanks, as I have a feeling that I might need to go back few years for my court case so it is handy to know that you don't have to pay per statement etc.
Good luck Jen - what a nightmare for you hope you get it all sorted.
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Well SHOCKER -- lloyds printed 150 pages of statements FOR FREE I had to go to my local branch in order to get it but I called a head and a HUGE envelope was awaiting me!
and for shits and giggles Ill be SAR'ing the CSA -meh im bored.Comment
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That is so cool Jen, well done!
Wish Lloyds had done that for me free when I requested for mine some time ago lol, never mind, but glad you have, good one.
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