Sorry about the long post, it's just thatbarclays are getting on my nerve, but to cut a long story short, I owe barclay card about £1000, but it will be less as soon as I make a claim for unfair charges, (I have already got my charges paid back on my bank account, but not on the barclaycard). I haven't had any letters from the collections agency in along while, and none at all from barclaycard, as the agency sent me a letter saying they are dealing with it from now on. They took £315 out yesterday, leaving me with £200, £150 will come out of my account for Direct debits (my bills) in the next couple of days, which, will leave me with £50 for the next 4 weeks. That is, if barclays doesn't have any more delayed transactions that they will take out, like they keep doing. I don't see how it can be legal, when there is no mention in the credit agreement (I have just read through all the small print) of their entitlement to take such action..! Oh and thanks for your help so far

Yesterday I just realised that £315 was missing from my account, leaving me with...NO money for the next 4 weeks!:o I am already low on cash thanks to fraud on my barclays current account last month, and when I called them up in panic last night to ask where the hell my money had gone to, they told me I had made a debit to barclaycard! I have an outstanding debt on my barclaycard, I havent used it or paid anything for about a year or so, mainly because they pissed me off by sending me THREE statements in one week, all with THREE different balances on them, and when I was made redundant without warning and had to wait 3 months for the two month pay work owed me, and somehow barclays card managed to say that my payment protection cover didn't cover it..!!! I stayed on the line for an HOUR, spoke to EIGHT different people, who all kept passing me on to someone else, and then I was told that the department I needed, was closed. Anyway, I'm left with 50 quid to last me 4 weeks, and it is my birthday tomorrow, it wouldn't surprise me if they did it the day before my birthday on purpose..! So barclaycard has just gone and TAKEN over 300 quid out of my current account, with no warning whatsoever. There is NOTHING in my credit agreement with them that says that they are entitled to do so, so i cannot possibly see how this can be legal. Also, the debt collections agency (which I now have been told probably is barclaycard's inhouse agency, westcott), has sent me letters saying THEY are now dealing with the debt, so I cannot see how Barclaycard can suddenly reverse this and deal with it themselves now..! I desperately need some advice on what to do and my rights, before I call them up (If I can get a minute away from my desk..I'm not finished at work until 6 and they close at 5...and judging by last nights mess, it'll probably take me another hour to get through to the right person!) Normal debits that used to come straight out of my account, just normal electron debits, is taking several days to come out of my account all of a sudden, leaving me with no way to know exactly how much money I actually have in my account, I dont understand why I pay for barclays to manage my money, when they seem to keep me more disorganised than I would be if I carried all my money in cash! I suddenly have hunbdreds of pounds coming out of my account, in transactions that I have made a week before.!! It is impossible for me to keep track of my money and transactions when they keep delaying all the transactions! Sometimes I am almost sure that money has gone missingg, but its impossible to check, because the transactions are all delayed and so, dated with another date than I originally made them. Especially in the light of fraud committed on my account last month, I am getting quite concerned about it, but barclays just tell me that 'well, thats how it is'..no explanation why the same debits used to come straight out of my account up until a couple of months ago..! I am desperately trying to switch banks, but now, thanks to barclaycard that has given me a default, I can't! I like to call them barclays w*nk..

well, I thought I'd just tell you about my claim! Barclays have twice charged me even after I have phoned up in advance and they have told me not to worry, only to charge my account after all. Their call centre staff have lied straight to my face twice. Also, my monthly fee of £4 have suddenly gone up to £5, withno notice, but anyway, back to the overdraft charges. First time, they refunded my money straight away, no questions asked. In March, I was made redundant without warning, as the company I worked for, went into administration. I was told this ON PAYDAY. Because I had DD's coming out of my account the same day, I called Barclays up and explained the situation, obviously I was in distress, trying to figure out how the hell i was going to make it through the month on no money whatsoever, as it would take 6 weeks to get my wages owed paid to me! Barclays said they understood what a difficult situation I was in, and would extend my overdraft, I just had to call back in 24 hours. I called back in 24 hours, and they had already charged £30 to my account, and I was told that they would keep charging me more! Regardless of what they had told me the day before. ANyway, I was too busy getting a new job and trying to make it through the next couple of months. Then, a few weeks ago, I sent a letter to complain and explain the situation..about 2-3 weeks later...voila! £60 back in my account. BUT- I sent another letter, (written by a lawyer, that I found somewhere on the net) the day before I got my money refunded, and it seems they are not even aware that they have paid me back! I got a letter yesterday, saying that although they do no agree with my claim, they are willing to settle it with £85! So, I signed the letter and sent it back, and should have the money in my account within a week. So, thats another 85 quid on top of the money the already paid me back. I know this is a small claim, but it is money at the end of the day! I am now in the process of sending off a LBA for my partner, who has paid £975 charges the last 3 years, so I will keep you updated on this. My Barclaycard has defaulted because THEIR charges has taken me over my limit, and I have simply stopped paying it, because they send me statements claiming completely different amounts in the matter of days! So now I have bad credit file, too, and can't even open anothe rbank account with a cheque book and visa. So I will go ahead with a claim on that, too! My partner works in debt collection as a negotiator, and he said Barclaycard are the worst- he says he has people in his clientfile who cannot speak english! So how could they have understood and agreed to the terms & conditions?:-| Everytime I tell someone about claiming back charges, they look at me like I am crazy, but it really works! I just need to get my credit report nice and clean again, so I can change to a better bank. (sorry, posted this in the wrong thread at first..!)

well, I thought I'd just tell you about my claim! Barclays have twice charged me even after I have phoned up in advance and they have told me not to worry, only to charge my account after all. Their call centre staff have lied straight to my face twice. Also, my monthly fee of £4 have suddenly gone up to £5, withno notice, but anyway, back to the overdraft charges. First time, they refunded my money straight away, no questions asked. In March, I was made redundant without warning, as the company I worked for, went into administration. I was told this ON PAYDAY. Because I had DD's coming out of my account the same day, I called Barclays up and explained the situation, obviously I was in distress, trying to figure out how the hell i was going to make it through the month on no money whatsoever, as it would take 6 weeks to get my wages owed paid to me! Barclays said they understood what a difficult situation I was in, and would extend my overdraft, I just had to call back in 24 hours. I called back in 24 hours, and they had already charged £30 to my account, and I was told that they would keep charging me more! Regardless of what they had told me the day before. ANyway, I was too busy getting a new job and trying to make it through the next couple of months. Then, a few weeks ago, I sent a letter to complain and explain the situation..about 2-3 weeks later...voila! £60 back in my account. BUT- I sent another letter, (written by a lawyer, that I found somewhere on the net) the day before I got my money refunded, and it seems they are not even aware that they have paid me back! I got a letter yesterday, saying that although they do no agree with my claim, they are willing to settle it with £85! So, I signed the letter and sent it back, and should have the money in my account within a week. So, thats another 85 quid on top of the money the already paid me back. I know this is a small claim, but it is money at the end of teh day! I am now in the process of sending off a LBA for my partner, who has paid £975 charges the last 3 years, so I will keep you updated on this. My Barclaycard has defaulted because THEIR charges has taken me over my limit, and I have simply stopped paying it, because they send me statements claiming completely different amounts in the matter of days! So now I have bad credit file, too, and can't even open anothe rbank account with a cheque book and visa. So I will go ahead with a claim on that, too! My partner works in debt collection as a negotiator, and he said Barclaycard are the worst- he says he has people in his clientfile who cannot speak english! So how could they have understood and agreed to the terms & conditions?:-| Everytime I tell someone about claiming back charges, they look at me like I am crazy, but it really works! I just need to get my credit report nice and clean again, so I can change to a better bank. Barclays really treat their customers bad..!