Hello Everyone. I had a £3000 loan with Barclays that I took out in December 1996. I have the Barclayloan statement that says I also had Barclayloan Protection which cost £720.48 (15.01 per month x 48). I think I was late with payments but no more than twice however they issued a CCJ against me in March 1998 for £3412.91 + Costs + Solicitors fees so a total of £3545.66. This was dealt with on their behalf by Elizabeth Handforth Solicitors and I agreed to repay £68.00 per month and repayed the outstanding by April 2003 and have the confirmation letter. My question is do I have a chance of a claim or is it too late? Also would the fact that they took out a CCJ against me go against me? Thanks for reading.

Hi, I am not sure how to post in specific forums, so hoping I will get some replies and advice? My husband has had a Business Account with Barclays for well over 10 yrs and we are wondering if we can claim back any of the many charges he has incurred over the years. My husband has a v small business and also has a loan with Barclays. Barclays attempted to take the loan from his Business account but could not as there were insufficient funds in the account due to a cheque that my husband had put into the account not being cleared (on its 4th clearing day). Barclays have now issued my husband with a £35 charge and my husband phoned to complain asking the manager how Barclays could charge my husband £35 when there were no funds to cover it as the cheque my hubby put in needed another day to clear? The manager did not want to know and hubby is fuming as he feels he has been ripped for years, any advice would be appreciated, sorry for the rattling on

Hi, I've had a number of unfortunate circumstances where i'v had to contact Barclays regarding a Select account and 2 loans. I've not been able to keep up with the payments and have defaulted. I thought i'd done the right thing and contacted them and after going through endless letters back and forth (mainly where they threatened things and I offered solutions) - Its ended up that I offered a monthly payment I could handle and in the end they have accepted this. This all sounds good except for the following things which I hope someone could shed some light on please: 1. The offer for payment was accepted last September/October however I haven't heard anything from them since. I have chased them and they just tell me that i'm in the pile of people who are doing the same and I will be contacted when its my turn! Does this mean they are still adding interest to these loans and Select account? 2. I noted that some people have been talking about PPI on their Select accounts, is this something thats automatically been added? Can I find out if this is on my Select account and can I claim back this? Thanks in advance

Hi, Barclays Partner Finance have been calling me almost every day for a month and a half now asking to speak to someone I don't know and have never heard of in my life. From what I gather, they are trying to reclaim unpaid debt on some kind of credit card. I have asked them several times to take my number off their records because it's the wrong number, and I have also tried blocking their number, but they either keep calling or change to a new number and keep calling from there. So far they have used 3 different phone numbers to call me: 08458787153 08453007021 08453007024 I don't know what my rights are or who I can complain to about this, I'd just like them to stop contacting me. Can anyone shed any light on this? Thank you!

Hi all, I'm at my wits end with Barclays and Verified by Visa right now. It all started over Christmas, my mother had someone try to buy some stuff online with her card, but they failed because they were trying the wrong security code which caused her card to get blocked by VBV (Error code ECI5) and she eventually got a new card after being put through to the fraud department. Good, right? Except.. Not really. Since she's got the new card she's probably had it blocked by VBV when entering correct details around ten times since. What's worse is that it's not just her card that's getting blocked, it's also mine, my Dad's and even my boyfriends (We all live in the same household). It's always ECI5.. We have to ring them up to get it sorted, but we're sick to death of it happening on every second transaction or so. We've explained over and over that it's a hassle and while we appreciate that the fraud system worked initially, when we're inputting the correct details it doesn't seem fair for it to consistently knock us back, especially those of us whose only link to the other person is the fact that we live in the same house. It's also independent of computer, browser, etc. Mine is blocked right now and instead of phoning them immediately (because I'll end up being put in a holding queue for the next thirty minutes ....) I'm here ranting, because it seems that despite filing complaints, despite telling them that this is completely out of order it still happens without fail (to the point I see the VBV page come up and I cross my fingers in the vague hope that my transaction might go through). Sorry. I'm frustrated. Anyone got any suggestions? Thanks in advance.

HI could some one please have a look at my stat sheet and see if I worked it out right. the loan was for £3000 over 24 months with ppi of £16.87 a month. I paid £165 a month for 15 months and a final payment on month 16 for £1404.81 as a settlement figure. the apr was 17.9% total amount payable was £3952.32 and i paid £3879.81 thanks for your help

new to this, i have a business acc sole trader with barclays. due to current climate and financial hardship, i want to know best way of trying to get my ridiculous unfair charges back, i only have this acc and have a few direct debits come out which most of time dont have funds in there to cover them , which means they pay them and charge me £30 per item, what can i do.thankyou:|

For Eight years Barclays has abused my mortgage account. Following a dispute in which Barclays alleged that I have not paid two monthly instalments of about £1100 each, I decided to pay the monthly instalments in CASH. However, Barclays enforced on me fines of £40 monthly for arrears based on that dispute and other charges totalling about £4000. since I was ill, I accepted too pay the penalties and the alleged arrears which made my monthly payment jump to about £1200. I continued paying all that time but when I received my annual mortgage statement I was surprised that the dates when my CASH monthly payments were credited to my mortgage account were always days, up to 9 days, after my actual payment of the cash. This, of course, makes towards more interest added to my account. I complained to Barclays who said that was the time needed for my CASH to reach their mortgage arm WOOLWICH- which is a load of rubbish. In took the matter to the financial Ombudsman who, as usual, sided by Powerful Barclays. Now I intend to take Barclays to court hoping to be compensated not only for the money Barclays robbed me of but also for 8 years of suffering and stress which led to my wife being diagnosed with Cancer. I wrote to Barclays that I'm taking it to court about a month ago and now I will writre to them again letter of starting action in court. Any advice? Thank you

My wife and I am on pension credit of £217 a week. We live in private accommodation and our rent is £575 a month. The council pay £81.02 per week + £20 a week Discretionary Housing Payment. Barclays Bank have put a reserve on our account of £150 and I have been charged reserve charge's by Barclays Bank of up to £22 a time, which were unaffordable to me and have been trapped in a cycle of incurring charges which only added to my financial hardship. On Monday the 18 Mar 2013 I cancelled my reserve and today my wife received a texed saying we were being charged anther £44 pound and we do not no what for. This is eating away our rent for the 14 Apr 2013 and now there is only £24 pound left in our account. Are Banks allowed to make these charge's on some one on pension credit?

Good morning all, What an absolute nightmare trying to find an address for these guys. In a nutshell, my personal circumstances have changed and I need to write Barclays about reducing the amount I pay on my loan otherwise after all my outgoings I will be in fair bit of debt. I have the debt calculator form but I need to know where I need to send this to. Any help would be greatly appreciated. Alex

Hi all, I have a bank account where I have a substantial overdraft that I live in and have done for some time. Although I have never been unemployed, I have had "overdraft protection" which within the last year changed its name on my statements to "payment protection". I decided (long overdue) that I would call Barclays Complaints Dept and discuss this protection with them, explaining that I didn't really know why I had it and that during the time I have had it (since 1998) I couldn't ever remember actively asking for it although it is possible of course that maybe I did?. In addition, during the past few years when my account was upgraded to a Premier account, I asked if I could cancel it and was led to believe that i needed to keep it and when i really pushed they said they couldn't cancel it and that I'd need to write in (I never did). The complaints department guided me through some very basic questions (didn't ask me if I thought it was missold to me for example) and then said yes I had PPi since 1998 did I now want to cancel which has now magically been done on the phone and then gave me a complaints ref saying it will be fast tracked. It all seemed very wishy washy so I am after some advice as to: - a) if my history seems right for a PPI claim particularly as I can't really remember whether I was mis-sold or not and that I "live" in my overdraft (albeit I've never been out of work) b) whether this telephone call seems normal Of possible further note: I have asthma and at no stage have I been told that this is excluded from a claim on a PPI policy but nor was I asked if I had any medical conditions. I obviously hope my claim is successful but would like ANY opinion and/or advice in the light of my circumstances. Thanks

Hello everyone. This is my first post on here . Since 2005 I have been in financial difficulty and at the time had an account with Barclays (which the eventually closed in 2010). I had an overdraft of £2000 but although emploed , was regularly over my overdraft limit and getting loads of charges which took me even more into the red. This continued until 2010, when Barclays eventually closed the account. I notified Barclays numerous times since 2005 of my financial hardship, however they contnue to charge me the fees for unpaid items, over-limit charges, etc. Before I could clear past charges, new ones were added, and the cycle continued. In 2010, I had family problems,i was not able to manage my financial affairs. My question is, as a result of all the charges barclays applied to my account, my financial hardship was made worse as priority payments were eate up by barclays charges, so i had little money to pay mortgage or priority debts. I am now unemployed on JSA, still have priority debts that need paying and living on only £70/week. I have read the "financial Hardship" criteria on FOS website, and think i meet the criteria. Can anyone give me some advice as to whether i have any chance of reclaiming back the charges under financial hardship or is it not worth it. The reason i did not do earlier was the issue family problems above. Any advice would be really appreciated. Thanks

I took Barclays to court for bank charges before the Abbey–OFT case and I was offered and accepted a Tomlin order and it was approved by the court. I wanted judgement but I felt brow-beaten into conceding for a Tomlin order. Barclays never paid it and I gave up after that, it was for about £3500. I have a court appearance with Welcome finance, for £5800 PPI on Friday and I have received an 11th hour offer of a Tomlin order. They already tried to get me to back down but I want to ask the Judge for everything I have lost and everything that court rules says I can ask for.' If I accept this so-called Tomlin order with welcome, what if they don't pay?

Howdi Folks Long Time Fan Fkofilee Here.... Heres one for the books. Went into Barclay's to ask for a standard current account with their Chequebook and Contactless Card Facility. The Sales Guy; Manish.... In all his glory, went through the application and there wasnt a problem. And he tries his usual contents insurance sale ^__^, which i decline as Im not interested. Now i leave the branch with my Sort Code & Account Number, But Before I Leave I Ask About The Cash Card Account. He says its a normal account and no charge. I get home and I speak to CS regarding this and they say the following; - No Overdraft - No Contactless Debit Card - No Chequebook - Debit Card Is Limited And the cheek of it is , the guy ive just spoken to has just tried to sell me Contents Insurance Again?!?!?!? Under what terms do i have the right to challenge this as a mis-sell as I specifically requested a Standard Current Account. He Hadnt advised me a credit check had been run and also didnt say that I had been accepted only for a Cash Card Account? (Its almost like i should assume XYZ when applying for certain things). Luckily for me I'm quite knowledgeable about internal processes and can see how its done but shouldn't they make clear to me that certain things cannot be offered to me? Filee

Hi Everyone, Good Afternoon. I am going through my dads paperwork for a loan he took out in July 2006 and noticed a few details which i need your guidance on. He approached Barlcays for this Loan and he clearly remembers them saying that to be accepted for this loan he will need some sort of insurance, and in this case, Barclays introduced him to Norwich Union for life insurance which he took out ont he same month as applying for the loan. Now, what i am trying to get my head around is the following what they wrote on the documents: 1. In Norwich unions documents they state: "How much will the advice cost? The amount will depend on the size of the premium, how old you are and how long you pay the premium for. It will be paid for out of your premiums. For arranging the plan, we'll pay a commission to MT BARCLAYS FINANCIAL MANAGEMENT, your financial adviser of: £2,758.73 immediately then £2.86 a month from month 49 until your premiums stop." This to me looks like i have some sort of protection incase i couldn't pay or die? I even have a letter from Barclays "Financial Planning" that says "we have enclosed an application as Norwich union have requested some further information to support your application." Which to me, looks like to support the loan application? The other letter from barclays says: "if you have chosen to take advantage of barclayloan protection and the insurer accepts your application, a policy certificate will be sent to you shortly. We suggest that you look through this to fully appreciate the peace of mind this policy can offer you in today's uncertain world. The loan started in July 2006 and has finished, on the last statement of the loan it says: CASH LOAN: £22,000.00 PPI PREMIUM LOAN: N/A The Not Applicable part, have they in a way not sold me the PPI but got Norwich union to sell it to me? P.S. When i took the policy out with Norwich union in 2006, i am still paying this and the term finishes in 2021... Any help would be much appreciated and you will most probably have more questions for me.... Thank you, Mehdi

Wow well this has been going on for almost 2 years now - they are a bunch of incompetent a.bums. Under an SAR they have sent me about 20% of the information I am entitled to. I am now in the "decision making process" - they have until 8th March to deal with my complaint. On 26th of Feb I had 4 missed calls from a blocked number - finally got round to answering on the 5th one to a guy from Barclays asking me all sorts of questions about my claim. I had stated on my form that I didnt need the insurance as I had other insurance policies, redundancy cover, critical illness cover AND savings of my own. They asked if I could provide proof of all this and given that it's going back to 1998-2000 no I actually cant. I had more missed calls yesterday and I rung them today to find out if it was them - yes it was - another guy told me that they are requesting proof of my savings from 1998. How the heck?! - I haven't even got bank statements from 6 months ago let alone all that time ago. I do feel that they have behaved really badly - aside from witholding my information they have dragged their heels from start to finish. My question is what if I can't prove where I had my savings etc. - basically my parents "gave" me £7k and kept it (in their names) in premium bonds - this was to prevent me spending into it - I withdrew it eventually and used it as the deposit on my first house. So technically although the money was mine it was never saved in my name. Opinions please? - do you think they will still uphold the complaint? - I don't understand why I am being basically investigated (it feels that way) - I believe it's down to them to prove that it wasn't missold not the other way round. I've told them that I didn't need it, surely that should be enough?

Hi all, I recently contacted Barclays about my Additions account, received a response and would be interested to hear people's views. A quick potted history - I had an account with Barclays since 1990, and at some point in 1997 I was upgraded to the Additions account; I don't believe I ever requested this, and they confirm they have no proof I ever did. I only used the account as a secondary bank account once I got married, so it was hardly used. The only outgoings from the account were the account fees and interest, which I paid so as to not get into trouble. I had no idea there was ever any alternative to this account. Around 2004 my debit card expired on the account, and they never replaced it. I did contact them on 3 or 4 occasions to ask when a new card would be issued but they never replied .As the account was not really in use, but was in overdraft, I guessed they weren't giving me a card until I came out of the overdraft (it was an agreed overdraft), though they never said this. At the end of last year I decided to make a formal complaint about all this, essentially telling them I never asked for the account, have never used any of the features associated with it, have been unable to use it as a working account since 2004 when I never had my debit card renewed. I can't even log in to my online account! They replied by saying they have no evidence they upgraded the account without consent; would that not mean they should therefore HAVE evidence?! They state that I had a debit card that I used in 1998 in ATM's (er, I know that), and that a complaint from me in 2001 about unpaid fees charges was enough to show I should have been aware of account charges. They are unable to show any proof I have received welcome packs, or updated terms and conditions (after I moved in 2006 I received none) but just say as they send them out automatically I must have received them. They can find no record of me being advised there were free alternatives, though I 'must have been' (I wasn't, I'm sure) And, when I asked why no debit card, I was merely told they note a debit card was in use until 2004 (which I told them , it was before it ran out) and that regular credits have been sent to the account (every month I paid in £25, to cover the account fee and interest as I didn't know what else to do) So, in conclusion, they do not agree my account was mis-sold or mis-run, and it was my responsibility to make them aware in the past if I was unhappy! (er, I did). They offered me £162 as a goodwill gesture. Now, to those more in the know than me, what should I make of all this? just seems to me to be an almighty fob off. Is it worth going to the Ombudsman? shall I send them a letter before action just to see what reaction I get? am I bsarking up the wrong tree? Any questions/ advice/ help of any kind would be gratefully accepted!

Can anybody help? I have an account with Barclays without overdraft limit. Few weeks ago I received phone call from Barclays fraud department, that somebody tried to withdrawn money and they blocked the card. They issued me with new card, all was well or so I thought.... During the weekend somebody managed to withdraw just over £400 and when I called their call centre, I was told that just because the card was cancelled doesn't mean it can't be used. Well, I thought that's the main reason why the card was cancelled in first place. And I just checked my account and yet again another £400 is missing and I am currently £400 in overdraft that I didn't have in first place. I don't know what to do, Barclays refusing to stop the payments and to be missing so much money is unbelievable.

Hi Everyone, Have recieved SAR back from Barclays today. Alot of information they have sent regarding Statments all the way back from 1998 to 2006 when the account was closed. They also sent Service Point ODP, regarding to a credit card. Dont know where to start with this all doesnt make any sense apart from the statments. Been looking through but there is nothing containing Overdraft limits etc. Can someone help please and point me in right direction. thanks gchads

Hi Can anyone please advice. I had sent a SAR to Barclays in relation to a Morgan Stanley card that I had back in 2004. They sent me three letters saying I had not provided the correct information. The final one they have sent is asking for the account number and the address where the card was issued even though the SAR had all of this information on it. Part of the letter reads "The right of access under the Data Protection Act covers information held electronically and in certain highly structured manual files, information that is not held electronically or in a relevant filing system will not be covered by this request. Please note this is particularly likely to be the case with older accounts. Is it worth still pursuing at this stage or should I just give up. What would be the next step? I am also considering claiming back PPI on a loan that was taken out through Halifax in 2006. It has been confirmed that I had PPI but I am certain that I would not have opted for. I have been asked about PPI by other companies particularly when buying something on HP and have always said no. I also work for the NHS therefore I wouldn't have needed it. Would this be a valid reason to claim?

Whilst I am in limbo waiting for some results on my PPI claims I thought I would attack my OH's Executive loan PPI. We have the policy and the date the loan was taken out (2001) but no account numbers. We do have the current account statements for that period. It would appear that the PPI was paid monthly separately to the loan payment, around £30 per month over a period of nearly four years. Do I really need to SAR the bank for the account number? Can somebody please point me to a template that I can use for this - have found a few but all the threads seem old. Are there any updated versions. Can somebody also tell me how to calculate the PPI refund - do I take how much we paid and then out 8% simple per annum on it ? I also had an old loan agreement with PPI but I know that this one was paid early - but I do not know if I had a refund of part of the PPI - again do you think I can just go for it or should I SAR them. Thank you GS

I do most of my self employed as a buyer for second hand cars and machineries and sends them to clients outside EU who also banks with Barclays. I had a barclays current business account that I've been using for the last 8 years got closed a month ago for 1 year dormancy without my knowledge. So un-aware of this, I gave the client the account number that was closed and when the money came to UK I couldnt access it. When I explained this to my business manager he suggested that the money could simply be transferred into my Business saving account that I've never used. So the other Barclays had to send amended SWIFT to Barclays UK with new instructions (the money should simply be paid into the Business Savings) In the meantime Barclays apologised and offered to open a new business current account which I accepted under condition that once I get the funds then I shall deal with opening a new bank account. So far its been 4 weeks back and fourth between making calls to the international payments, sending e-mails and of course being spoken to like a kid by my business manager and branch managers. In the end (two days ago) i found out that they were all giving me the same standard answers as to why they money isnt into my account. Apparently Barclays is withholding this money as they are investigating the source ( the gentleman works for an International Organisation in that country and banks with barlcays) and he sent the money through Barclays. So the most I could think of is money laundering, but I've received more money into my business current account that they closed than what's been sent into the savings. So far he says he is losing £2500 per day this issue delays as I cant buy him the equipment from here in the UK. He has presented the Invoice and additional information and also has confessed that Barclays at times withholds his own salary upto 2 months for no apparent reason. As it is, I'm aware I can easily report this to Financial Ombudsman as I'm also losing money every single day this money is withheld by Barclays and my business reputation with customers is also on the line. Can anyone advise me on legal or otherwise options, and how best I should handle this matter.

Hi, I'm new and maybe in the wrong place but I'm sure someone will help me there. We started a business with a loan from Barclays. The business plan showed a period of 3-4 years to go into profit. It involved converting a country house into self catering holiday accomodation. During the six months it took to sell and purchase properties the interest rate doubled. We were on target time wise and were due to open in the summer, as in the plan. Obviously we were struggling with repayments and had extended the overdraft. On the Friday of a bank holiday weekend we received a letter out of the blue informing us that,words to the effect, 'in our best interests', they had frozen our account. We were still building, so couldn't open and if we sold, we would have lost thousands - and we had four children and nowhere to go. The interest rate being charged was around 20%. The year was 1987. Now I know this is probably too long ago (not long enough as I am sweating thinking about it again) - but Appropos LIBOR fixing I am sure I heard that it has been going on for ages and had influenced those excessive interest rates in the 80's. My question is, if it did and if B did, would the likes of me be entitled to a piece of compensation that sufferers from the last decade will no doubt be getting? Our business never recovered and although we ran it for fourteen years it was always at a loss and had to be subsidised by salaried employment.

Hello All, I need a bit of advise. I lost my phone in Sri Lanka as it fell out of my pocket in a cab and then the cab drove off before I had realised. I read the website, which stated i needed to contact the police within 24 hours and obtain a crime reference number. I was not sure if Sri Lankas crime reference number was sufficient and so I contacted a friend in the UK to ask if they could contact lifestyle services group for advise. The advisor stated that I should contact my airtime provider to block the sim and then I can wait until I am in the UK to get a crime reference number if I felt the sri lankan police could provide what was required. They also said I had two weeks to log a claim from the incident. As I was using as sri lankan sim, I did not need to contact the airtime provider as I still had the UK sim. Within 24 hours of my arrival back into the UK I logged a claim and went to visit the police station. Today, I have found out my claim has been rejected because I did not log a claim with the police within 24 hours and therefore did not meet the terms and conditions. As you can imagine I am left furious as I was advised by there representative of what to do and now the company have rejected my claim. Lifestyle group services state that at first they look to see if the terms and conditions have been met and accept/reject on that basis. An appeal considers any personal factors. Thankfully my friend noted the time, date and person he spoke to and they have the recording available. I have appeal, forwarded the email correspondence between my friend and I when I was out in sri lanka and explained why I could not log a call within 24 hours to themselves and how I was advised that I could sort out the police reference in the UK. I am awaiting a response from Lifestyle services group which could take 5 working days, but am expecting rejection as I dont see how they can give fair consideration when they are a profit making organisation. Do you think I will have a chance to take them to a small claims court?

My wife took out a 4 year interest free loan from BPF for the purchase of a mobility scooter in December 2008. The first point is that she was told that this was a Motability Loan which I subsequently discovered was not true - like the motability loan it was 0% interest, and seemingly they gave the loan on the basis that the repayments would be met from her higher rate disability allowance, but as I later learned, a true Motability Loan only runs for a maximum of 3 years. The second point is that she does not appear to have a copy of the Loan Agreement - to be fair, she has very little idea when it comes to these things and she may simply have misfiled this or destroyed it without realising the documents importance. Thirdly, during the term of the Agreement, there was a period where late payment penalty charges were levied at £22.50 a time. I believe that, in total 8 charges have been levied on the account, which I do not consider fair or reasonable. Fourthly, the only correspondence my wife has had from them has been an Annual Statement and the penalty charge notifications. The 4 year Term of the Agreement has now been completed and, due to the added charges, there is still an amount outstanding - BPF have not written to her about this as I would have expected - they have simply indicated on the phone that she should continue her standard monthly payment until the charges are paid off. I find this strange as, in my view, now that the term of the agreement has finished they should surely write to her, inform her that the contract period has ceased, and request any outstanding balance be paid - at that point, it may then be that they agree that this can be repaid on a monthly instalment basis. Without anything being formally noted, however, I do not see that they can expect to receive any further payments after the Contract Term has ceased (and they also still have had the nerve to try to apply a further penalty charge because the first payment after the Contract term finished was paid late when we werent even aware of the additional amounts being required!) Apologies if this is a bit "waffly" but any advice would be welcomed - I guess that initially I should insist they provide a full history of payments and charges on the account since it started, and also request a copy of the signed Loan Agreement. I have already sent a letter to BPF informing them that I consider the charges unfair and unreasonable, but this was not your formal template letter, and I guess I should send this once I have the copy Agreement and schedule of all charges and payments. If they are unable to provide a copy of the Loan Agreement (unlikely I know, but just in case, I thought I would ask), would this invalidate the whole arrangement and, in effect, mean that they would need to repay the full amount paid over the 4 year period? (the original loan was £1600) Thanks, in advance, for your help and guidance.