Thanks for the info.

It was definitely a current account without ever having any overdraft facility on it.

I never asked for nnr was I ever offered a ovefdraft.

It was a Barclays current account with no overdraft facility,I never asked for an overdraft and I was never offered an overdraft.

I will be sending off a SAR on my lunch break today.

Thanks

New Document.pdf

I hope this one is right.

If not I appologies.

I will look into purchasing a scanner,thanks for that.

Ok,sorry about that I have just noticed the state of the photos.

I will try again,Im not very good at this sort of thing.

Lets hope I have got it right this time

I did have the statements but not anymore,

should I request these again?

The charges were..

.. £30 overdraft charge then charges for using a unauthorised overdraft then charges everytime a payment left the account.

As far as I can remember some of the charges were £14 some were £30.

imgtopdf_generated_1302171646032.pdf

Thanks for the info.

My account was a Barclays current acct with no overdraft facility.

I had a cheque book which I never used and a debit card which I used.

The charges an overdraft charge then a charge for using an unauthorised overdraft.

Barclays allowed me to keep going deeper and deeper into debt without ever stopping my card.

I could use my debit card at all times even though I had no money in my account and I was 100s of pounds in an unauthorised overdraft.

eventually I close my account.

I know its my own fault and I should not have kept using my card but at the time I was in financial dificulty and it was like free money.

Sorry I dont have a Iphone.

I will need to do this at the weekend when I have access to my son's phone or oyr laptop.

Thanks

Ah ok, sorry.. im not sure how else to do this,using a tablet

Thanks for removing them for me

Thanks for replying.

I will upload that asap.

I was gettkng charged twice a month,one for being overdrawn and one for not having an overdraft on the account,most months it was around £62.

It ended up at £1000.

My bank acct was a barclays Current acct.

I went overdrawn originally by £8 this is how it all started.

Hello

I wrote a complaint letter to Barclays asking for a refund of my charges due to hardship and the fact i blamed them for irresponsible lending.

Back around 2003/4 barclays allowed me to go overdrawn on my account ,it gad no overdraft facilities.

I was charged £30 then £30 for being £30 overdrawn then so on and so on.

However, whilst overdrawn even upto £500 barclays never declined or stopped me using my debit card, (I know j should have stopped but i was you stupid ans was suffering awful post natal depression)

Barclays have replied to my letter saying they will not refund me,

We do offer our customers tools to keep track of thier banking (not me)

Your acct went overdrawn as you continued to make payments from your account, you knew about these charges as they were set out in our terms and conditions.

Then goes on about section 5.1.4,treating customers in hardship fairly,

however the court ruling on 25.11.09 confirmed bank charges are a part of the price of having a current account so are not unfair,

We dont believe we have treated you unfair or caused you any hardship.

Having reviewed your history

I can see in 2007 you made a payment of £399 to haven holiday ,

we would class this as a luxury

( my 8 year old sons 1st holiday! 4 nights in a caravan.

.. paid for by his grandmother,hiw very luxurious. ...)

As of this luxurious purchase you should have considered the financial impact as you continued to be overdrawn till oct 2011 when you clised your acct.

I therefore conclude Barclays are not at fault.

Please can someone help me,

do I have a leg to stand on?

Or shoukd i just accept this?

Many thanks in advance.

Sorry for all the typing errors,I hope its readable

sorry i don't have anyway of doing that until next week as i'm away from home.

lloyds have told me that i will rec a cheque within 28 day days,so im keen to understand what i need to tell them.

rec response letter finally 3 month late...

here is what they have to say!!

our offer

due to the passage of time we no longer hold any information regarding your credit card.

the absenss of records mean there is no gaurentee our calculations are correct.

in a genuine attempt toresolve your case our offer is £238- equal to our avarage compensatory payment taken into account the period in which you held the credit card account.

to help you understand further if we held any details we would also pay 8% interest.

we will also offer £36 indirect losses.

i held this card from nov 2004 i had a £4000 balance by jan 2005 and oaid it off in 2007 £3870 in full.

i have no statements, but this was passed to a collections agency to whom i cleared the amont in full..

what next??

rec offer letter 3 month late..

.here's what they had to say

as a final response,

we would like to offer you £274.00 to bring this complaint to a close.

due to the passage of time we no longer hold any detail of your account.

in a genuine attempt to resolve your case our offer is £238.00

this is equal to our avarage compensatory payment taking into account the period in which you held the credit card and were paying ppi cover.

we believe an average payment methord in this case is fair.

to make you understand

if we held detail of the account we would also pay 8% interest but in this case we hold no information.

avarage redress £238

other losses £36.00

what now????

will do - if its not here monday they are in for another good telling off.

cant see how first class post can take 10 days.

thanks

they told me the above amount includes the 8% interest as this is a good will offer as they cant work out what im really owed- is this right?

or should they pay the int on top of the £273 ( how much difference would this make)

they have said all info they have has been provided in the letter im still waiting for.

also can i press them for compensation as this has now took 23 months?

good news or bad???

I was suppose to get a final response from lloys on 14/02,

however they have posted this to me on 21/05 (still not rec letter)

- they have told me over the phone that as the card dates back to 2004 they have no records so have based desision on an estimate.

the offer is £273.24- dose this sound right or should i refuse?

i dont have any evidence to support this and when i wrote to them for sar they told me they cant find any info.

not sure what to do now?

Thanks, No I did not see that i will have a look.

they really need to sort themselves out.

a guy i know who is a manager at lloyds call centre said, over half of the ppi claims are not looked at and just given a decision of no!!!

i will wait till monday as i think 19 months is long enough.

can i ring lloyds direct?

just an updat its now 4 days past lloys deadline to write to me with an offer and still i have heard nothing. i have rang the ombudsman and they have said give them another 21 days.

thanks for that, also can anyone help me with a citi financial claim that is now with cabot? who do i take the ppi claim up with? and whats the chances with them? thanks

thanks for your reply.

can i ask what is a sar?

Thank you for your reply!

No I dont have anything, we had a fire a cpl years ago and ilost all paperwork.

do you have any idea how long it takes them to refund? or is that another long wait?

thanks again.

Sorry if the above is not very clear I'm new to this.

I was turned down for my claim via Lloyds so i took my claim to Ombudsman, 9 Mth later i rec a letter saying theu have upheld my claim and they sent me a copy of the letter they have sent to LLoyds, which they have till 14th Feb to reply too.

willthey reply to me? or Ombudsman?

the credit card was took out in 2004 with a balance of £4000

has anyone got any idea on an amount of refund i will rec?

thanks for any help.

hi

please can anyone advise me on what will happen now?

ombudsman has written to lloyds and told them they must reply by 14th feb.

will this mean i will get my refund after all?

ombudsman has said they should refund plus 8%.

sorry to jump into your thread but wondered if someone can help me.... LLOYDS TSB refused my ppi claim but i rec letter after 9 mths from ombudsman to say they have upheld claim and they have given lloyds til 14.2.13 to accept/decline what they have said. ombudsman has advised lloyds to refund me all ppi plus 8%. what will/should happen now? thanks