Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Now, I'll be honest: I like being with Barclays. They let me put money on the same day as I go over and not charge me, I can put in a cheque and use the money straight away. And their online banking site is easy to navigate.
So, I didn't chase them for my charges. well, tbh, there's not that many, my account with them has been more on the fat cow years... But there has been the occasional slip...
One of those occurred a couple of days ago, I miscalculated by a few pounds. My fault totally. So I got charged £30 for going £3.53 over. Bummer.
Well, I thought: Why not? I'll give them a wee call, see if I can ask nicely for it back. No harm, no foul, kind of attitude, see what happens. I know that if that fails, I have a back-up plan!
They said no.
First, a girl said no, then when she transferred me to a manager who I thought maybe could be reasoned with better (well, all right, leaned on), he said no.
I asked nicely.
Then I tried reason, saying that if I had to take them to court, I would reclaim the lot to make it worth my while, and wouldn't it be simpler to refund my 30 quid and be done with it?
He said no.
He said it was my responsability... at which point I cut him off to say "yeah, yeah, yeah, I know all that, its my responsability, I have signed the T&cs, blah blah blah... Look, I'm just asking: Can you save us both the hassle and refund me, or do I have to start legal action? You're a manager, you must know that if I have to go down that route, you will either fold before court, or lose in court, and I'll get my money back either way... What is it to be?"
He still said no.
So I thanked him politely, and here I am... well, I tried conciliation...
Now...let's be honest...did you ring up as Bookworm, or did you ring up under your pseudonym as a customer? If you had rung as Bookworm they would have capitulated before the second ring...oh well, they are going to get their toes stamped on until they apologise.
Good luck.
Alecto, Magaera et Tisiphone: Nemesis on Earth is come.
All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
I DID say that I was involved with the Bank Action Group (he did NOT say: "the what?", incidentally) and that I knew more about T&Cs, unlawful charges and the UTCCR than he could possibly imagine... But b******s will be b******s, what more can I say...
Apologies to people who I was in the process of helping, I may be gone some time.
Well...you could say the b******s thing again...it reminds me of Jonathan Woss...
Alecto, Magaera et Tisiphone: Nemesis on Earth is come.
All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Hi all. I closed my Barclays account in 2004 and i remember having incurred a few charges from the time i opened the account in 98. Can i still make a claim for a refund of charges going back to approx 2002 (6yrs give or take)?? Cheers!
Before we answer you, could you pls start your own thread, one for each claim, and then keep updates staying on those threads? You have hijacked this thread -mine-, and a HSBC user's.
Please start again, and we'll answer you accordingly.
Apologies to people who I was in the process of helping, I may be gone some time.
Just a quickie. Before all this action group forum kicked off i managed to get my charges taken off by Barclays and my partners Natwest account. It was about a year ago this is why, when i saw this forum everything just clicked into place! I got a letter off Barclays to say i had gone over my overdraft and that i was going to have to pay £25. Ths wasn't the first time but i thought what the hell i'm gonna go down there and kick off a bit and see what they do(couldn't hurt could it) anyway got down there and asked to speak to someone in charge. The branch manager took me to his office and asked what the problem was. I explained i wasn't prepared to pay the fee and he basically started going on about this was what happened even if it was 1p over. Anyway to cut a long story short i told him that this is why we were going over the overdraft all the time and he said "what do you want me to do about it" and i said "remove the charge" right in front of my eyes he removed it on his computer. Took him less than 1 minute no phone calls to head office NOTHING.
I got letter from Barclays earlier, blah blah blah, disagree with me, etc... BUT (all together now, panto style: OOOOOOHHHHH!) they are offering me £ 150 to go away! (AAAAAHHHHH!!!!)
Oh, and the slip of acceptance I'm supposed to sign actually says: "Thank you for your letter detailing your response to my complaint. I accept the sum of £150 in Full and final settlement...." Thank you? THANK YOU? They are having a bloody laugh!
Anyway, since I filed with MCOL yesterday, I'm afraid they really royally f*cked up on this one...
Apologies to people who I was in the process of helping, I may be gone some time.
Thank you for your letter detailing your response to my complaint. You will no doubt find yourselves being served with my response to your letter shortly.
reminds me of the lovely letter the young ones were writing to their bank mamager in one of their episodes i think they all had a bit of input i cant remember it all but neil wrote "may the seed of your loins grow fruitfull in the belly of your woman" can any1 remember the whole thing?
LLOYDS TSB DPA: REQUEST SENT: 11-04-06 RECEIVED 28-O4-06 PRELIM LETTER SENT: 04-05-06 RECEIVED SOD OFF:06-05-06
If you have found this post (or any other post) useful ensure you click on the scales in the top right of that post to give credit where credit is due.
As ever, with (I believe most if not) all advice given on this website, I am not qualified to give any advice and you are duly warned that any decisions are your own decisions made on your own account and no liability will be accepted for any advice followed ! Use your own judgment. Seek advice of a qualified, insured, professional if you have any doubts.
Bookworm v Barclays - **SUCCESS**
. They let me put money on the same day as I go over and not charge me, I can put in a cheque and use the money straight away. And their online banking site is easy to navigate.
Reply With Quote
Re: Bookworm v Barclays
Originally Posted by Bookworm
Bank account closed 4 yrs ago. Can i still claim?
