Thread: Barclay card taken money from account - but i've made payments!!! HELP

I have a barclay card and a Barclays account. I placed money aside for childcare in barclays savings account and went to withdraw but barclays had transferred to my current account then paid barclay card 400 pounds. Three months ago i agreed to make reduced payments of £50 a month for 12 months and they agreed to reduce my interest during this period... they have reduced my interest rate and have taken £50 by direct debit for the last three months

Are they entitled to set-off my accounts in this way with an agreement in place... can anyone advise on a letter I can send to claim this money back...????

Please help

Originally Posted by dixxychick

I have a barclay card and a Barclays account. I placed money aside for childcare in barclays savings account and went to withdraw but barclays had transferred to my current account then paid barclay card 400 pounds. Three months ago i agreed to make reduced payments of £50 a month for 12 months and they agreed to reduce my interest during this period... they have reduced my interest rate and have taken £50 by direct debit for the last three months

Are they entitled to set-off my accounts in this way with an agreement in place... can anyone advise on a letter I can send to claim this money back...????

Please help

They are entitled to use the right of set off but I would argue that you have actually complied with their request every month and therefore they have no right to do so.
I think you need to argue that the money is for childcare so since you have no childcare, you will, if they do not return the money, be dropping off your child to the nearest branch of Barclays every single day for the amount of time that you would be paying for

have a quick visit to Abbey's website and open a account and you could have a new one within the week, Abbey dont seem to want to see ID and stuff and if you accepted they send out the details straight away, which then leads you to having a separate account where no one without your authorisation can take the money

thanks all. i'm certainly going to complain! I really do need this money for childcare!! I'll let you know if I get anywhere! - i've also applied for another account.. feels a little like i need to keep a locked box under my bed. Aren't there any loyalty benefits or indeed any benefits for being with banks anymore?

Originally Posted by slick132

Hi DC,

LOYALTY !! Sorry but I think that fell out of fashion some time back, not just with banks, but with many businesses that used to value your custom.

Right, so you ARE going to complain - good. Draft a brief letter to Barclays and send it to their HO:-

Barclays Bank plc
Head office customer relations
1 churchill place
london
e14 5hp

Include the points I made in post #3 above but also mention that this is having an immediate and severe financial impact leaving you unable to pay for childcare services, which are vital for your employment and income.

Tell them, as well as making a formal complaint to the fos, you will contact your MP and the press, to highlight how the bank have unilaterally reneged on an agreement to which you had kept.

Of course, you should base your letter on YOUR view of matters, not on my very brief understanding of events.

If you need help with the letter, just shout.

Mate, if they make a complaint to the bank on Financial hardship then if they complain to the bank, the bank sends to letter to the Bank since they have not had the opportunity of answering the letter. I hope I misread that part of the post.

Originally Posted by slick132

You've completely lost me with this post.

I am suggesting OP writes to bank saying it's actions have caused a severe financial impact. I'm not suggesting a claim for charges is made under the Hardship Rules.

I'm further suggesting that OP tells bank that a complaint is being made to the fos. Whether it IS made at this stage matters not.

Is being made or WILL be made? Cos the first part comes across as plain and simply lying to the bank from my reading.
Would he not ask the question, await a response, and if he is unhappy, write to the Bank for a Final Response before going to the FOS?

Originally Posted by slick132

You've completely lost me with this post.

I am suggesting OP writes to bank saying it's actions have caused a severe financial impact. I'm not suggesting a claim for charges is made under the Hardship Rules.

I'm further suggesting that OP tells bank that a complaint is being made to the fos. Whether it IS made at this stage matters not.

See above plus the whole paragraph. It is how it comes across