My Mrs Vs Barclays Bank Charges

[FredFerret]

Hi All

Please accept my apologies if this has been covered elsewhere,, I have had a good look but not found anything,, so here goes.....

As most of us know, Barclays bought the Woolwich in 2000. My Mrs has and account with W/B which was running fine until sometime around 2006 ish, when it became impossible to get an up to date balance from the hole in the wall,,, Things like saying we had £60 balance and £30 available (Which I understand) but when we drew £10 from the £30 available we got hit with the standard £30 bank charges because apparently it wasn't available

So as a result of this we were getting hit about 3 times per month which apparently is the max amount of times they will charge you. So my thought was to go through all available statements to calculate how much they have charged in order to reclaim. But this is where the problems start..

The most we can go back is 3 months, whereas this has been going on for a couple of years,, (maybe not three times a month over the couple of years because that was before I was made redundant). So,,, Is it a good idea to work out how much we have been charged over the past 3 months and the assume this as an 'average' month,, and claim for 24 months at the same rate? and let them work out how much they owe us and then provide statements to show?

Any Ideas would be greatly appreciated!

Thanks

Ade

[sharkie]

Fred

Its not a problem

You have a few posts to your credit is this your first actual claim.

If so you need to send off an S.A.R. first.

Copy of letter here 1. Data Protection Act, Subject Access Request letter - List of charges

This will cost you a tenner, plus the cost of a recorded letter, chances are they may even give you the tenner back.

Once you have all your statements follow the steps, and stick to the timescales.

If you need any further help just give us a shout.

[BeauBrummie]

Originally Posted by FredFerret

The most we can go back is 3 months, whereas this has been going on for a couple of years,, (maybe not three times a month over the couple of years because that was before I was made redundant). So,,, Is it a good idea to work out how much we have been charged over the past 3 months and the assume this as an 'average' month,, and claim for 24 months at the same rate? and let them work out how much they owe us and then provide statements to show?

Why cant you simply write to Barclays and ask for the relevant statements, they are obliged to give them to you. Then you would KNOW how much you have been charged.

BB

[FredFerret]

Thanks All,,, Beaubrummie,,, I have always been led to believe they can charge for the statements,, besides they reckon that anything older than 3 months,, they dont have,,, yeah right! lol,,, so I figured that by claiming for an amount that is higher than they actually owe us, they would provide the statements on their own accord????,,

And yeah Sharkie,, its my first claim,,, although I did sent a letter to NatWest reclaiming some bank charges (only about £60) but they sent a letter back saying that its all on hold until the courts make a decision on the big case. I have also sent a couple of CCA requests to Bryan Carter.

So Im guessin S.A.R 1st then and see what happens...

Thank you both!!

[sharkie]

Fred

Definitely send of the S.A.R.

As for the letter you received from NW, just a standard.
Follow it up as per the recommended schedule, just keep the pressure on.

Keep posting.