Hi, Im actually registered here under a different user name with several threads re. my charges case which was/is on hold. Decided to re-register with a different name as was concerned my posts came up if you typed my user name into google. I became trapped with the reserve fee slick as it initially helped give me a boost of funds with all the charges etc that came out. Then i couldnt risk losing it as i would be effectively £150 worse off the next month. I actually finish paying the majoirty of my debts in December and wouldnt really fall under the hardship rules. My charges case was heard the week that all cases were stayed so just missed out, that was for around £3500. Since when they have probably taken about another £1500 in reserve fees. When i went into the branch to withdraw cash, the guy said that they had been putting alot of these cautions on accounts recently where you cannot use your bank card, at least until the plan is paid off. Just wondered if anyone else was experiencing similar treatment. I dont think there has been a month since the charges began where i have stayed within my OD limit over the past few years, yet it is only now (since the Supreme court judgment) that consumer finance are making life (more) difficult.

It seems to me that recently there has been a change in policy at Barclays. I have regularly gone over my overdraft over the last few years, largely due to a combination of charges and the resulting loans to pay off debts caused by the charges etc etc. My reclaiming case was (and still is as far as im aware) on hold pending the supreme court judgment. In May i was over my reserve limit again (which incidentally i was opted into). However this time i received a red letter and was hounded by consumer finance until i set a plan in place. I called them the following month to say that i ws likely to go over my limity again this month to which i was told that they would just put another plan in place. Follwing month as expected i received another red letter and phone calls from CF again. This time i was told that my overdraft would be taken away. Afetr much protesting they agreed to another plan but i am not allowed to use my bank card or write cheques. I have to go into a branch to withdraw money where they have to call CF before issuing me with cash (a massive inconvenience to me). Has anyone else experienced similar tactics of late? Obviously since the ridiculous decision of the law lords it seems to be open season on us poor folk.