Ok, I have received my letter from Barclays today dismissing my complaint on the grounds that I signed up to the addition account in branch and they would have explained to my wife the benefits.
Following my investigation I have identified that your application for both upgrades were submitted in branch. This means that at the point of applying for this account we did not give you any advice. You made your own decision as to whether you could have benefited from the features it included. WRONG YOU GAVE ADVICE ITS THIS ACCOUNT AND YOU HAVE TO PAY AND THERE ARE NO FREE ACCOUNTS. WHY WOULD WE SIGN UP TO BENEFITS WE DONT NEED OR NEVER USE.
I am satisfied that Additions Active Account was suitable for you. Our branch process was to explain to our customers the range of options available, the features and limitations of the products. You would have been asked which you felt was most suitable for you and asked to sign an Additions Acknowledgement confirming your choice of account. Our records show that you signed an Additions Acknowledgement on 21 October 2010. I have enclosed a copy of this with this letter. YES WE SIGNED HOWEVER ON THE GROUNDS THERE WAS NO FREE ACCOUNTS. WHY WOULD WE QUERY AFETR BEING TOLD IN 2006 THERE WERE NO FREE ACCOUNTS
I am satisfied that you consented to the additions Active upgrade of your account. Your account was upgraded in our branch on 21 October 2010 and you signed an additions acknowledgement confirming your choice of account. I have enclosed a copy of your signed additions acknowledgement with this letter. YES PAID ACCOUNT AND ONLY A PAID ACCOUNT A FREE ONE WAS NEVER OFFERED.
For the first additions upgrade, our processing branch was to present you with a range of product options and explain the features and limitations of your preferred product. We would then obtain your consent to proceed with that account you would have been asked to sign and acknowledgement letter to confirm your choice. we have no evidence to suggest that this process was not followed. However. as you upgraded your account so long ago, we no longer have a copy of your signed acknowledgement letter on file. THE REASON WHY, YOU UPGRADED WITHOUT OUR KNOWLEDGE AND WHEN QUERIED ALL ACCOUNTS HAVE A CHARGE
I have reviewed this information and i am satisfied that you were provided with enough information to make an informed decision to upgrade this account.
Following my investigation i have identified that you held a non fee paying account before you upgraded in January 2006. This means that at the point of applying for this account you were aware that this account was optional and that there were fee free alternatives. IT WAS DONE WITHOUT OUR KNOWLEDGE PLEASE PROVIDE A SIGNED DOCUMENT TO TELL ME OTHERWISE.
Following my investigation i am satisfied that you were:
Given the cost of your additions active as this clearly states on your signed additions acknowledgement with this letter.
As my investigation has found nothing to support the complaint points which you have raised i am unable to uphold your complaint.
Ok Whats the next step LBA