This is a bit long winded......
Nowadays I keep absolutely everything in relation to my mortgages and accounts but you can't keep everything. I do this because one day if I have the time (when I retire) I'm going to sit down and cross check it! It was more a general query, it's very difficult over a long period of time to keep track of everything. It's very annoying hearing about say that x bank diddled people in relation to exchange rates on foreign currency knowing that about 10 or 15 years ago that I would have gone into certain banks and changed money. In the 1980's for example I worked in the US and sent money to Ireland weekly and the bank then used their exchange rate (the AIB) but I've no way of knowing now if I was one of those who should be refunded. I don't have any accounts from that period as I was a lot younger. Similary I worked in London. I've heard the banks were refunding people but I can't tell whether I was also one of those that were overcharged or whatever it was. In any case no bank has ever contacted me and I've been with the 2 big Irish banks in the past. My current bank out of the blue sent me as I said two refunds, my thinking was this:
If in 1995 the bank had overcharged me by let's say 1K and they refunded me with 1K plus interest in 2005. Then meanwhile in 1996 I went into unautorised overdraft of 100 resulting in punative interest and penalties but if they hadn't overcharged me in 1996 I would never have gone into overdraft etc. When they give these refunds do the banks re do your accounts from the date they did the error - I don't think they do, but they ought to really. Don't know what the rest of ye think.
It's this constant niggling feeling that somehow you're being done as over the years there is another and another bank scandal, but you have little or no power over it. I do check my accounts always but I was wondering what more I can do. Rant over.