Really upset and angery....

[Natasha]

Just got off the phone to barclay card, i'm still shaking from anger and quite frankly i'm really upset .
Recieved my statement today and it has an exceeded limit charge of £20,
So i called them up and they guy on the other end was trying to work out why it was charged he started saying that they charged me for being over my limit for last month, which i thought was silly. so i put down the phone went online to view my statements, i have been within my limit last month.

So i called them up again, asked another guy why was i charged?
He went through everything and said basically i was charged because the interest charges were applied to my account which sent me over the limit.

i proceeded to say that it was unfair for them to charge me because they applied interest charges... he started referring me back to my T&C, i asked him if he could waiver the fee, there was some umm'ing and rrr'ing and he said as a "good will gesture" he would refund £10 back, i laughed and said forget it!! just send me all my staements from opening my account, he said he could but that would be a charge of £3 per statement.
This is the point where i mentioned about the Data Protection Act and how i'm entiltled to see my statements and that the charges we unlawful, and that the penalty charge bares not realation to the actual costs.
Then he started to say sorry i cant hear you that well please could you repeat yourself(when quite frankly he had been having a normal conversation up to that point) i repeated myself and he said sorry i dont understand! at that point i was too upset and angery i hang up the phone!!

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[citybloke]

Natasha

Don't panic....take some time to read through all the FAQ's on this site and then just follow the process.

It winds me up talking to these people on the phone, so I do it all in writing myself.

The law is on your side........so deep breath, relax and follow the great advice on this site.

[Natasha]

Thank you!

I have read all the FAQ and today i have drafted up a letter to abbey, i wasnt going to do it with barclays but now i bl**dy will!!

I think comunicating in writing is a lot easier to get your point accross with out the stress.

[Alison82]

How convient, he could hear you once you mentioned unfair charges.

	Bank Charges You should have started your claim for your bank charges by now. Don't wait. You should send your bank a Subject Acess Request asking for all personal data they hold on you - not just statements. You should calculate all of your bank charges and related interest as far back as 1995. You should send your bank a demand for a refund giving them 7 days. You should commence your legal action adding 8% statutory interest. If you wait for the outcome of the test case, you may not be able to claim like this. you may not be able to claim interest. You may only be offered the difference between the charge and the OFT "fair charge". The repayment scheme will try to limit you to refinds from 2001 only. A repayment scheme will not deal with any bank charges related defaults on the credit register whereas in a court action you can ask for these to be removed and to be compensated for the damage caused to you and your family by them. You should also write to the bank and to the CRA and put all charges related credit entries in disupte and warn them that you will want them removed from the Register when the test case is over. Warn them also that you are likely to be seeking compensation for these wrongful data entries. Full and final settlement Have you previously accepted a partial repayment of your bank charges in full settlement? You will still be able to claim the rest of your money back after the Test case is decided. Get all your information back to 1995 and put in your claim now.

[Docubot]

This does seem to be Barclaycards form.

They refuse point blank to acknowledge that the Data Protection Act exists - I even had one chap telling me that I'm taking it too far - I said "So, you are refusing to comply with the Data Protection Act then?".

The chap was completely not interested and kept saying each statement would be £3.

So, I sent the letter - and they have completely ignored it. I have about 1 week left and then I will make a complaint to the Information Commissioner.