Thread: barclaycard taking money from my bank account

Hi

I am new to this so please bear with me.

I have an old debt with barclaycard, I have a bank account with Barclays bank that only benefits are paid into.

I received a letter yesterday morning dated 14th feb stating that barclaycard had taken £65.02 from my bank account for the outstanding debt I owed them.

I checked my bank account this morning and they had helped themselves to another £168.00 on the 18th feb (I haven't yet received a letter from them to advise me they have done this).

Our mortgage is due tomorrow and I will be unable to pay it because they have taken this money.

I contacted barclaycard and they have requested I fax them a letter to prove that I have to pay my mortgage tomorrow and then they will consider refunding the £168.00 only, not until tuesday at the earliest.

I'm worried as the mortgage is in my partners name although we live together and have two children that they will use this as an excuse not to refund me????

I have swapped everything going in my barclays account to another bank account but one payment of carers allowance is due to go in monday so I'm hoping to write an appropriation letter to Barlcays bank to stop barclaycard taking this on monday!!

Is there anything else I could do to get back the money they have already taken??

i'm just worried that I have missed something.

Any help would be greatly apreciated.

Thank you.

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Sorry probably wrong choice of a word when I said old, I've not paid anything since november 2005. Originally for £800 but now they want £1192.00. I'm happy to make an arrangement to pay it back but not the amount they are claiming I owe but thats a whole other ball game at the moment.

I'm just shocked that they took £65 then four days later another £168!!!

I'm thinking of faxing over proof of everything I have to pay next week (end of month bills - all priorities such as council tax, secured loan and mortgage all including arrears payments that must be met).

I don't want to give them an excuse not to give me the money back and I'm really worried.

thank you.

Exactly the same thing happened to me with Lloyds 2 days ago. My working family taxcredit went in but I had three months arrears with my bank loan so LLoyds just took it. It was £945 and I wouldn't have minded but on the same day a LLoyds "councillor" was at my house refinancing my loan to lower payments! I rang the councillor later as soon as i saw what they had done and he was pretty disgusted with them.

He's getting a manager to phone me back but still not heard anything. Surely just taking money (especially benefit money) without infoming me is no better than stealing?

If you have debt with the same bank you bank with ( loan credit card, overdraft ) the bank has the first right of offset against funds paid in. They can and do take money to pay eg a credit card.

You can exercise your forst right of appropriation over your funds but this should be in writing at least 7 days before the funds are due in.

Best bet is to open a 'safe bank account ASAP ie one you don't have any debt with. Ask for a basic bank account; most high st banks offer these as well as the Post Office.

Letter below for 1st right of app. but really moving banks is the best way to go

(Your home address)
_________________________ ___________
Date______________
To: _____________________
________________________
Dear Sir/Madam

Letter exercising right of first appropriation

Name of Account Holder _______________________
Account No: _________________________ _____
I/We request that the following items be paid from the funds that are due to be deposited into the above account on ____________for the sum of £_________ (this may be a cheque you are paying in or the date your wages go into the account)
In doing this I am /we are exercising my/our first right of appropriation over these funds and wish you to pay the following items. These are listed below:

(e.g. rent or mortgage)
£
(e.g. council tax)
£
(any other bills)
£
£
£
£

I/We understand that any other items may be returned if there are insufficient funds available to pay them.
National Debtline 0808 808 4000 – Sample letter P – Page 1 of 2
I/We look forward to hearing from you as soon as possible to confirm that my/our request has been carried out.
Yours faithfully
(Your signature)
REMEMBER
Keep a copy of all letters that you send to your creditors.

You may also want to call National Debtline on 0808 808 4000 to get some free confidential independent advice - 'refinancing' is the banks way of making more dosh out of you - there may be other options you can look at depending on your circumstances

ok thanks for that. Still haven't had that call from the bank manager!