Thread: daughter - £65 charge for one unpaid direct debit

Originally Posted by elizw

my 19 year old daughter has just gone overdrawn to £71.39 because Barclays took £65.00 for returning a direct debit. She tells me she has had other charges over the years - I have written the letter requesting details of the charges but dont want to cause her more problems - do they ever just pay up without going to court - I dont think she would want to go that far - or am I just wasting my £10 and my time

I may be wrong but I don't think anyones actually gone to court yet from what I've been reading. Good luck though whatever you do.

edited

Do you mean the SAR letter??? If they still haven't responded i would suggest giving them a call asking them where your info is, they do have 40 days to respond and you should of included £10 in the letter which is statutory fee.

Look People,
It's not rocket science. when you started this stuff you were told to look at the boards AND study the FAQ's. You are obviously not doing this. There are enough threads on here to show you EXACTLY what to do, but, because you can't be bothered to do the studying, you are all making mistakes, and all asking the same questions time and time again. WAKE UP. You may well have been flippant when the banks were EDIT you of your money, but you CAN'T be flippant if you wish to get your money back.
LOOK AT THIS THREAD:
http://www.consumeractiongroup.co.uk...ight=The+Druid

It's a step-by-step tutorial about what you have to do. STICK TO YOUR DEADLINES. Make the bank dance to you tune, NOT you to theirs. YOU are paying the piper, so MAKE SURE they dance to YOUR TUNE. All the best.

Originally Posted by elizw

sent first letter off on the 10th August and as yet no reply - surely this is too long - keep hoping as dont want to send off the same letter again -

Give them a ring, I sent my SAR off on the 22nd August and got Peter Townsends standard we'll send statements within the next few weeks letter on the 25th August so I would have assumed you should have at least had that letter by now.
Good luck

By the way, I have read on here that you dont need to send the letters recorded delivery you only need proof of postage. I've sent all my letters so far recorded delivery, it's only cost a pound per letter and I get the peace of mind that I can check on the royal mail website that they have received it.

They are dragging everything out. My statements plopped through the door on the 39th Day. I had just compiled my non compliance letter as well :o

Druid Im behind you all the way here....

Dont give them a minute more than they're entitled to....They dont waste a second to slap a £30 charge on us do they!!!!

Stick by your guns & dont let your guard down...all they need is an inch of weakness then they'll take 10 miles...

Every little bit of info you'll need has been posted on this forum time & time again...

Just use the search & advanced search to find it....You need to read,read & read....

Another point is that you dont have to look in the specific forum for your bank either ie Barclays or HSBC as the process is the same for every bank....so you'll usually find plenty more helpful info in other posts...

Again just read & you'll find....

At some point you will be required to specify exactly what charges you are reclaiming, with dates and amounts. It really is worth doing this now, as it's the whole foundation of your case.

It's worth checking through the statements, as there always seem to be items you miss the first couple of times - and you don't want to let them get away with anything, do you??