Flamin Cheek- Withdrawn My Cash Facility!!

[electric lemon]

What a nerve!!!!!!!!!!

I went to take out some cash from my Barclaycard today & it wouldnt let me, even though I knew I had best part of £100 available. I only wanted £10!

I couldnt understand it?????

I called them to find out what the problem was, & they said....

"We have withdrawn your 'withdrawing cash' facility on your card account, as we have been updating accounts recently with everybody. There is only a minority of people that withdraw cash on their card, & we have decided to stop this with your account!!!"

I was not a happy camper!

I told the girl that it wasnt a major deal, but that if they were going to adjust/change anything, didnt they think they should contact me/advise me first. Out of courtesy if nothing else!

She said that they didnt have to according to their terms & conditions, blah, blah, blah!.

Grrrrrrrrrrrrrrrrrrrrrrrr rrrrrrrrrrrrrrrrrrrrrrrrr rr!!!!

Has anyone esle had this done to them????????

And I was going to just go for the standard 8% - well they've had it now as I'm going to go for CCI at 27.9%. (girl quoted today when I asked what current % rate was).

Oh by the way when I called them recently/couple of weeks ago the bloke that I spoke to told me that it said on the computer screen that I was in the process of claiming back charges.

Mmmmmmmmmmmmmmmmm, very interesting!

Couldnt possibly be retaliatory at all, eh????

EL

[Rooster-UK]

Probably, but try and prove it.

You could try writing a letter of complaint to the FSA saying that you believe the bank is taking retaliatory action against you because you are reclaiming unlawful penalty charges.

Regards, Rooster.

[sowerby17]

well they refunded me £288 as a gogw and then immediately reduced my credit limit.I had not even replied to accept thier offer which i am not going to do.

[enaid]

Hi Sowerby, I am claiming for my son on his Barclaycard. I started the MCOL on Friday gone for £409 today he got his satement and they have credited him £120, he has gone into it as well. I will have to carry on aith the claim now it's started, just not sure when to knock off the £120 gogw!

[sowerby17]

not too sure on that one. what interest are you claiming?

[enaid]

Only 8% which I added on Friday, at court stage plus it was £50 court fees so I will have to carry on now. I have just read on another thread Amradi or something like that, they have done the same thing there, credited account and they haven't sent rejection letter either. Looks like they are just doing it and hoping we will go away. I will have a read around see if I can find any more like this, as I say I can't stop now, suppose I will just have to wait and see how it goes. I have done nothing wrong as I have stuck to the time scales. Thanks anyway.

[electric lemon]

Hi Sowerby,

What was your credit limit & how much did they reduce it by??

Have you tried to get any cash out recently?

I would suspect they may have done the same to you. (Though I hope not!)

Gawd, I can imagine there will be a mass exodus to cash machines nationwide now where loads of Barclaycard holders are going to check this hasnt happened to them!

[rogerebaker]

Barclaycard credited my son with the usual difference between £12 and £20 before they settled. They just removed the initial refund and credited the full settlement in the same day.

I wouldnt worry too much about it its for them to sort out. Just continue with your claim. We all know it isnt going to get as far as court so you will just be dealing with their litigation dept when it comes to refund time.

It will all then be sorted out.

[JonG]

Electric Lemon...

Similar thing happened to me...

Barclaycard, firstly withdrew my cash facility, for the same reasons they gave you - review of excess use of cash withdrawals to my account.

They then credited my account £175.00 (the amount difference between £12.00 and £20.00 charges).

They then reduced my limit by £100.00!

...Then, once I had refused the offer (acceptance only in part payment), Barclaycard withdrew the credited cash and charged me for being overdrawn!!

After moaning onto Barclaycard about their punitive measures, my account limit was restored - however the charge was not. Every trick in the book!

Not surprisingly, Ive gone for contractual interest as well!!


Good luck.

[electric lemon]

Hi there Jon,

I soooo empathise.

They really are dreadful! Thats outrageous behaviour!

I feel stronger about going for Contractual hearing that you have too. I have been umming & arring for a while now.

Did you charge at 27.9%?

And have you gone for the compunded contractual interest?

My charges are at £556 over 5 years.

[JonG]

I must have a slightly differing card to you, the rate on my card was only 19.9%. Barclaycard do about 7 different kinds of credit card you can get the interest rate from each from www.barclaycard.co.uk

I went for compounded contractual interest. Its seems better that way, you get more back! Until Barclaycard go to court, it seems you can add on what you want (up to a limit) as they never contest it!! The argument against disproportionate charges is so strong its not good business for Barclays to pay for court costs plus risk losing anyway. To my mind, they will always settle. The interest I am claiming back is more then the charges. Sadly this has pushed the claim to over £1000 which means Barclays will drag it out even longer... but I will win!
£460 charges. 475+ interest (changing daily) £10.00 Subject Access Request. £80 court fees.

[electric lemon]

Thanks Jon,

I actually called them & asked over the phone what interest rate they were charging me.

I have done a CCI one for Capital one, however which spreadsheet did you do for Barclays. ( I used one of Vampiress's).

[JonG]

I used the MINDZAIS spreadsheet. It is supposedly only to be used in conjunction with bank charges and not credit cards, but hey ho - they can sue me.. it was the best I could find. As far as I am concerned and from what I have read, its the strength of the argument and not the workings out. Bank charge interest is still all slightly arbitrary, but, I doubt, the bank (or credit card company) will not make an issue of it; well no one has as yet!

[sowerby17]

do barclaycard pay out quicker if the claim is less than a £1000?

[JonG]

In general, but not always, most banks will pay up quicker when the claim is under £1000. (not just Barclaycard). This has proven true with everybody I have known claiming back their cash including myself.

I have claimed back from 2 banks - Abbey & Barclays and 3 credit cards (Capital One, Barclaycard, Egg). Barclaycard is still pending. All have paid in full. The only one to drag their feet, 2 days before I was due in court was Barclays. My claim for barclays was £1750. All others paid up long before - their claims varied between £250 & £550.

it seems the bank can't be bothered with the hassle generally if its only a small claim.

You will, however, still get back your money eventually, even if your claim is large, it will be worth the wait and you can charge them the contractual interest on a daily basis.http://www.consumeractiongroup.co.uk...cons/icon7.gif

[sowerby17]

ok thanks for that as if i claim contractural off barclaycard it will be over the thousand but if i claim 8% it should be less than £1000. Any advice not too sure what to do?

[electric lemon]

Go for the contractual - every time!

Not only is it your right - it has been paid everytime as far as I'm aware.

The banks dont actually seem to mind too much paying over the odds for a small minority of customers. Their main aim is to stay OUT of court so that they dont have to explain their fees/charges & how they came to charge such extortionate amounts!!

This is because once they have to show a breakdown of costs a judge would clearly see that it costs on average £4-£5 a charge, NOT up to £35, & this would set the charge for everyone. So, think how much money they would then have to pay back!!!!!

So, you see, putting this into perspective, you being successful with contractual interest is a very good move!

As long as when you file online with MCOL or locally at court, you put down that you would also accept the standard 8%, which is what a judge would award you anyway if he disagreed with the contractual, you would be just fine.

Hope this helps!

Lemony

[JonG]

Electric Lemon is right, contractual every time! The banks will pay out, it may take slightly longer (it may not!) but the banks always pay eventually - delaying only adds to your daily interest rate.