Thank you Slick, im going to make my complaint today

I used to have my wages put into that account, i guess they had them on their system. I entered a new passcode using his keyboard. Not entirely sure but i didn't give them to him.

I recently went into my local HSBC with my employer who is disabled and her mother who was third party to the account, I am a carer. We had been locked out of the telephone banking and had to go into the branch to get it set up again. We set up a new pass code and I handed over my payslip along with my HSBC Bank Card to the CSR and asked him to transfer my wages from my employers HSBC account into my HSBC account, he then slides a piece of paper over to my employers mother and asks her to authorise the transaction. The next day I call the HSBC telephone banking service as each month I transfer £200 over to my Barclays current account to cover my direct debits and ensure I keep myself in a negative {overdrawn} or zero Balance to ensure BarclayCard cannot use there right to [EDIT] my wages while I have put the account into default/dispute! The balance of my account showed that I hadn't received my wages, not fully aware of what had happened I transferred what I had left in the account over to my Barclays account, hung up and recalled HSBC with my employer to discover that the CSR had transferred my wages into my Barclays current account. After two hours on the telephone to the HSBC they logged my complaint told me it would take five day to resolve the matter and I should hurry things along at the Branch where we had made the transfer. During the 2 hour telephone call I logged on to Barclays online banking to discover that in under 12 hours of the money being transferred at 05.30 am BarclayCard helped themselves to £266.07 of my wages. I requested HSBC stop my telephone banking transfer but they said they were unable unless it was transferred by mistake!. When I went into the Branch I was told there was nothing they could do as my employers 71 year old mother had authorised the transaction. Although the CSR put my wages into a completely different bank account than the one requested, after being handed my HSBC card the fault lies with the 71 year old woman who believed the account details on the paper matched the card details she witnessed me pass to the incompetent man at the desk. I might add that my card and payslip were passed back to me and then the mother was asked to sign and authorise the transfer not check if they were correct. I'm truly amazed that i could be shafted like this!

Hi, Papa - I'll have to check the date to be certain, i believe it was 2003 although it could be 2001. I haven't brought all of my paperwork from my parents house to my new home yet. Harrassed - Yes i wrote and told Barclaycard the account was in dispute using the template from the forum. Thanks

Barclaycard 2 Mercers 2 Calders 2 Allied int Hi, I requested my CCA from Barclaycard in July 2009 and as in most cases was supplied with T&C. I know for a fact they have nothing with my signature as I still have the original document, I was supposed to sign it and return it. I am of the opinion that Barclaycard are thieves and will never give them another penny. In November 2009 I wrote mercers informed them the account is in dispute with Barclaycard and has been since 22/09/09, Barclaycard are now in default of my Consumer Credit Act agreement request and have also breached s10 Data Protection Act request etc......... Please return the account to them blah blah. I also sent the harassment letter as they called me day in and day out. I haven't been able to address the situation with them further for many months and have since moved house and am ready to kick off again. Barclaycard continued to send me statements putting up balance by £70 for 9 months after the CCA dispute/request and while being hounded by Mercers then Calder and now just recently I have been contact by Allied international. My credit score is now in tatters. Can I please be advised of the next steps? Kind Regards

Hi, I requested my CCA from Barclaycard in July 2009 and as in most cases was supplied with T&C. I know for a fact they have nothing with my signature as I still have the original document, I was supposed to sign it and return it. I am of the opinion that Barclaycard are thieves and will never give them another penny. In November 2009 I wrote mercers informed them the account is in dispute with Barclaycard and has been since 22/09/09, Barclaycard are now in default of my Consumer Credit Act agreement request and have also breached s10 Data Protection Act request etc......... Please return the account to them blah blah. I also sent the harassment letter as they called me day in and day out. I haven't been able to address the situation with them further for many months and have since moved house and am ready to kick off again. Barclaycard continued to send me statements putting up balance by £70 for 9 months after the CCA dispute/request and while being hounded by Mercers then Calder and now just recently I have been contact by Allied international. My credit score is now in tatters. Can I please be advised of the next steps? Kind Regards

I'll do that now, thanks

Hi Barclays have sent only the last six years of charges to me AGAIN! This is my third request for the information. I specifically requested in my last letter 'a full and comprehensive list of all default charges' since opening the account. What should i do please?

Thanks for the feedback. It was always my intention to write, I only called to request the address to send the request for a list of all charges. The CSR informed me there was no need to write to them and they would have a summary sent out to me. Three days later i recieved a summary from July 2003.

I want to request the charges to my account that i've incurred from 2001, Barclays are only too happy to send me the charges for the last six years from 2003. I understand that the six years I can claim back from to be July 2001 as in 2007 they had to moderate the charges and the test case was put on hold. I was wondering if there was a template letter that relays why i can request the charges from 2001 as i'm getting some resistance over the phone. All comments will be appricated.