Can the bank claw back bank changes after nearly 4yrs?
If the account hasn’t been closed, and as they say someone has been applying for a direct debit every month, then they are perfectly entitled to charge you for their admin time in dealing with it. But from a common sense point of view, they should use their brains and realise that the account isn’t being used. Four years of returning the same direct debit every month would surely ring bells? I think if you talk to them and explain the situation, they will write the balance off and close the account. Don’t ignore them. Write back to them and ask for a clear breakdown of how the debt has accumulated. Ask for the full name and address of the company who are trying to take the direct debit. Ask for full details of when the direct debit was set up. Ask for a copy of the direct debit instruction that you signed. Ask for the dates of every direct debit transaction that they have had to refuse. Ask for a complete and detailed breakdown of every bank charge on the account in the past 4 years. A
