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About Gitmouse

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  1. Hi Slick132, Thanks for your reply. I called B/C first thing this morning and as soon as I'd given my ref no & got my account details on screen they must have realised something was not quite right. I didn't even have to ask for a refund,they offered,without me having to explain what i thought was wrong or go into any of my financial details. They're explanation was that my present repayment plan was 'about' to expire,apparently I was supposed to initiate contact to renew the plan 28 days before the plan was due to expire,which would be the 20th of this month. So the plan was still active,its just that they hadnt heard from me..yet! I didn't even know that the plan had an expiry date,I'm almost certain the arrangement was to keep up the payments until I cleared the balance but I may be wrong.They're going to write to me or call to remind me to renew in the future. Anyway,she couldn't explain why B/C had raided my bank account while I was still under payment terms or why I hadn't been contacted to renew plan terms,assured me that it wouldn't happen again!(heard that one before!!!) and said my funds would be returned within 48 hours. I wonder if they'd have noticed the mistake eventually if I hadn't,and been forthcoming with a refund? I'm guessing not!!! Many thanks again for your reply..This is a fantastic forum and i bet many people find a bit of comfort knowing its here. Thanks:lol:
  2. Hi All, Discovered my Barclays Account was around £800 short .and that Its down to Barclaycard helping themselves ,yet again!!!! Its happened once before(£350 last summer) so it could have been avoided if I'd have started banking elsewhere ,but I was assured that it wouldn't happen again after B/C worked out a fair payment plan ,based on my priorty outgoings & living expenses etc... At the time I was in the early stages of recovering from pretty bad back injury and in reciept of Incapacity Benefit, when I told them this,within 2 days I got a full refund,the only stipulation being not to default on the payment plan they had set up or they'd do the same again.. Had to pay £12 p/w which I have without fail since so I'm at a loss as to why they've burgled me again, even though they're aware its my benefits account and that I'm actually,albeit slowly,paying it off. I deposited a £1800 cheque recently,so that might start their bells ringing, but this was my partners wages, her Santander account has been compromised 3 times in as many years so she had her cheque re-written and used my account as a quick fix. In total theres about £230 to cover about £1100 out goings!!! I suspect we may actually drod dead sometime during the back end of the month!!!!!! I know they can take whatever they want pretty much, but I was making regular re-payments which I'd agreed to increase as soon as I could, they set the payment amount/standing order and how often i pay. ..Ive not been contacted about any changes at all They've just blatently done what they ,so clearly,told me I shouldn't do otherwise they'd nick my money again. Does this sound familiar to anyone? Are there any "unchangable" rules that cover this anyone knows of? Even though I got a refund last time,I don't think I'll be as lucky this time round for some reason. Got to wait till Monday to contact B/C,if I get no joy there a few pointers on how best to approach the whole thing would be magic!! We really cannot get by without this money to be honest Thanks for any help Jules
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