Why does a reply by March indicate a delay? Banks have 8 weeks from the date you raise a complaint to provide a resolution before your FOS rights kick in. End of March is what, around 4 weeks. The dates in the letters they send are 'update' dates. Basically, if they don't have a resolution by that date, they will send a letter telling you they are still looking into it and then give u another date saying they will update u by this time...that date will typically be the 8 week deadline

Barclays Partner Finance isn't Barclays Bank, it's Clydesdale bank, if you email any of those addresses above you will get a call telling you that they will be complaint to Clydesdale bank

Stonebridge n Barclays no longer have a relationship n when they stopped working together, all Stonebridge products were passed to them alone, they took responsibility for any sales or there products under the Barclays name. Effectively, if you contact Barclays they are going to direct you to Stonebridge. It' happens a lot when banks buy n sell parts to other banks, they take ownership of any historic issues caused by the previous owners.

I think it's very cynical calling this a ,damage limitation, exercise. I've had one of these from Barclays, when they give a refund...not just enquire that the address is right...they give a bit more information. On 1 October 2008 there were changes to the consumer credit act and as a result they made an error by issuing letters with wrong info on or not issuing documents they should have...what I was told when I quieried it is that it cud b something as small as an incorrect telephone number on a letter or issuing something a week later than they should have...anyway, under the consumer credit act, if errors like this are made the financial institution must disentitled themselves I.e. Give back, any interest or charges applied to the credit from the date the error is made until the date they fix it, the date the agreement was settled or the date they stopped charging interest, which ever is sooner. I looked into it a bit more and found the charges and interest applied were all at the rates agreed at the initial point of sale meaning no1 affected has paid more interst than they should have, but because your bank didn't send u a letter...or sent one with something wrong on it...they have to give you the interest back. A number of banks have found that they were in breach of the CCA after 1 October 2008 and have agreed with the FCA and the OFT to remediate those who have been affected...therefore the 'damage' has been done, the information is out in the public this is just them putting it right. Unlike PPI, it's not something that was not a stealth charge or something u didn't agree to or may not have understood therefore the banks don't have to provide additional interest or 8% like they do for PPI and PBA

I bank with Barclays and this change to daily usage fees rather than interest happened ing June/July 2014...I think, it cud have been 2015. They wrote to all their customers in the January prior to the change to give customers time to sort out alternatives. ..they won't give you the charges back by claiming ignorance, they will be able to see the letters therefore demonstrating they have told you in advance, they will also say your statements tell you in advance of any charges going out n show you the charges you were charged for the month before. ..effectively ignorance isn't an excuse. If your lucky you might get a month or two back if you get a nice person on the phone.