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Legal Eagle2

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  1. I am starting a battle with Barclays to obtain a missed mortgage payment in excess of £2,000. In short, I have a standing order to pay the mortgage dated 15th every month. This was my pay date. Since leaving work, I physically transfer the money from Barclays saving account to Barclays current account on line. Last month, 15th was on a Monday. Approx £5,000 was transferred into my account, but Barclays had looked at my balance as at cob on Friday 12th. This balance, whilst overdrawn, was within my reserve. Barclays decided to make certain other payments including an internal transfer to my savings account, and NOT make the mortgage payment. It recalled the paid out standing order. Interestingly, I was not informed of the STO reversal, either by phone or by letter - i.e. advising me of an unpaid STO. Further, my bank statement from Barclays shows the reversal as a 'correction'. The text beside this 'correction' states that Barclays apologises for making an error on my account and that the error has been corrected. I was first advised of this issue when contacted by my mortgage company. I immediately called Barclays, and the online banking team confirmed in no uncertain terms, that the payment was infact made, and that was what the 'correction' related to. On calling Barclays later on in the same week, and spending two hours on the phone, it was determined that: 1) Barclays made a banking error; 2) the payment was not made. I had been given incorrect advice; 3) Neither the premier banking team nor the online team could see any corrections on my account or statement; 4) Nobody could understand why I had not been charged for an unpaid STO; and 5) Nobody could provide a reason why the STO reversal had not been communicated to me. I am seeking the reimbursement of the full month's mortgage payment as I spent the sums believing that the payment was made. I believe Barclays will seek to hide behind clause 4.9, or their general discretion to make anypayments that it feels fit. My major agrument however, is that I was not informed of this reversal as is standard practice, which would have promted me to make a manual payment to my mortgage provider. Any thoughts??
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