Hi everyone im quite desperate. I just made my new account at barclays less than 2 weeks ago with the switch service and yesterday i got a letter where they say my account is gonna be closed on 18th jan, 2016. The letters date is 17th nov. Also i recieved another letter with the date of 20th nov, which says my switch process has been successfully completed from my old bank (santander) to the new barclays account. I called them a lot of times but nobody could give me a proper reason why they want to close my account. Some said, ( also in the letter says) the bank made a review on my account and thats why, and in the letter says i broke thr terms and rules of agreement. But how? I didnt do anything. I mean until the 17th i havent even used my card. I requested a pin change on the 17th because i entered it incorrectly too many times.one day before that i called them and asked if i can transfer my money from santander to barclays without waiting for the switch process to be done. They said yes, it was on 16th. I paid in one check on 19th. Nothing else happened. Any chance that its just a mistake letter? Help me pls what can i do?

BANK - barclays & 1st credit PROBLEM - Barclays sold my UK debt to 1st credit and I now live in Spain INITIAL LOAN AMOUNT - £4900 AMOUNT OWED / REMAINING - £3509 LOAN START DATE - 10 FEB 2012 LOAN TERM - 60 months LOAN MONTHLY REPAYMENT AMOUNT - £106 reduced to £5 COLATERAL - None REF: Barclays sold my debt to 1st credit against our agreement when no payments where missed or late. NB My situation can be classified under 3 forums and I have posted this message under 1st direct, barclays and debts abroad. My apologies for any confusion. Hello Everyone, I took a loan for a car in England to do my job as a support worker for children and adults with disabilities. The loan amount was £4900. In December 2013 I went to live in Spain perminantly and do not have a source of regular income. In August 2014 I was unable to continue repayments of £106 and agreed with Barclays bank by telephone to reduce my repayments to £5 per month for 12 months, to be reviewed 12 months later. I paid all these repayments fully and on time. 12 months later, in August 2015 I contacted barclays by telephone again and agreed to continue repayments of £5/month for another 12 months until August 2016. . I paid all these repayments fully and on time. I received a letter on 12 November 2015 (dated September 2015) from Barclays stating that- - they (Barclays) have "transferred the debt you owe us to a company called 1st Credit Ltd" and - "1st Credit Ltd will contact you to complete an income and expediture review to see what you can afford to pay after a minimum of 3 months" and - to cancel any standing orders to Barclays I made a payment of £5 on 12th Nov 2015 online using the 1st Credit website. I shall make another payment using the 1st credit website of £5 on the 3rd December 2015. I will continue paying £5/month. I would sincerely be grateful for advice and have some questions I would like ask: * I have read on the internet that the UK is stopping people at airports from leaving the country and demanding repayment or prison. This frightens me because I am going to visit my family soon (they payed for my air tickets). Would this affect me? * I live in Spain and do not have either a telephone number or a postal address so: -how are 1st Credit going to telephone me to "agree a repayment plan"? - they only have my email address to which they have posted 2 messages, one as a payment confirmation of £5 and one as an "Introduction to 1st Credit". I have not posted any emails to 1st credit. * Barclays sold the debt to 1st credit and broke the repayment agreement whilst it was still in effect. How do I stand in this situation when the agreement as made by telephone from Spain? * I dont want to be bullied and put under mental stress by debt collectors. Will they try to chase me in Spain when I am continuing to make payments of £5/month? * Will 1st credit chase my family or partner's family for repayments? NOTES: *I have limited communications and no motorised transport, so phone calls must be done by cycling to the nearest town. *I cannot receive phonecalls. Internet / email communictions must also be done using an internet cafe in the town. *I have absolutely no colateral, no vehicles, no property, no savings / investments, no jewelry and I am not married by english law to a person with any colateral. Thank you all for your help. Love and Light.

Daniel Head can’t take credit, move banks or even secure a new mobile contract because his bank mistakenly put a fraud flag against his name and refused to remove it Daniel Head has worked hard to build up a strong financial base and an excellent credit rating over the years. He has never fallen into debt or suffered financial difficulties. But he can’t take out credit, move banks or even secure a mobile phone contract because Barclays (LSE: BARC.L - news) , his bank for 12 years, mistakenly put a fraud flag against his name and refuses to remove it. Financial institutions (NasdaqGS: FISI - news) have almost unfettered powers to share concerns about customers with other companies through credit reference agencies and fraud prevention registers such as Cifas and the National Hunter database. https://uk.finance.yahoo.com/news/paid-us-cheque-barclays-account-080751591.html

Hi, I was a victim of credit card fraud and reported it to barclays who closed the account and sent me a new card. Amount just over £2500 with over 8 transactions. When looking at my statement (once the funds were processed) it says the card was used in another country and the chip and pin was used. I was sent a deceleration form to fill in and send back which i have but now i got a call to fill in another form which allows police to investigate which i am fine with, i was also told to send in passport details etc. my question is how did they manage to use my card and and get hold of my pin, barclays say the original card was used but i had it on me on the day of the transaction and have never let any one us it. when talking to them on the phone i felt like they were blaming me and putting me on the spot. They also stated that the original card was used. What will happen now? will i get my money back? as i have car insurance due soon. i have read some horror storys online thanks in advance (sorry if in the wrong section)

Between 1st-7th April a number of payments were taken from my debit card, to a company I have never heard of. I contacted barclays who put me through to the fraud team, who said I could open a dispute. I had to wait for forms, and as soon as they recieved them I would get a refund. When the forms arrived I took them into my local branch and asked them to fax them for me, so that they couldn't get 'lost' or anything. I then contacted the fraud department and was told that now I had to wait 10 working days for a refund. 3 days after that I recieved a letter stating it would now be TWENTY working days before I got a refund. I called the bank back and was told it would be 10 and the letter was wrong. 10 working days came and went so I called again, to be told it would be a further 10 working days as I had been informed it would be twenty, not ten (!) At this point I was fairly ****ed off tbh. I contacted the FOS who informed me that I should have received an instant refund when reporting the fraud. They also told me however that I had to follow the banks internal complaints procedure before I could put in a complaint with the FOS. So I put in a complaint. I was then contacted by someone who told me that it would be a 2 more days but for the incorrect information I had been given..he would credit my account with fifty quid as a 'goodwill gesture'. 2 days went, then I recieved another letter telling me my case had been passed to the 'complex investigations team' and would take ANOTHER 20 working days. I was foaming by this point. Called them back and they said to ignore that letter as it was wrong (again). I asked how long this 'investigation' was going to take, and now the timescale didn't exist at all. I was told it 'usually' takes 20 working days but could take much longer. I tried to register another complaint about again being given wrong info by many different staff members, but I was told that as I had accepted a 'goodwill gesture' payment nothing could be done! I hung up the phone in a rage at this point. Probably not the most mature thing to do but I really feel its taking the mick. When I calmed down a bit, a few days later I called again. And was told a letter had been sent to me I received the letter the next say stating that my complaint would not be upheld as fraud investigations take time and not every one is the same, and also stating that they are following FCA rules by withholding my refund for nearly 6 weeks. I was then taken into hospital so I have not contacted them again, nor have they sent me any letters or given me a refund. What can I do now? The barclays complaints department will not even entertain my complaint,. so I can't get a 'final response' letter which is what the FOS said they needed. I am out a large amount of money (to me) and barclays appears to be enjoying messing me around. Its really true when they say bad things come in 3s..had problems with brighthouse, fraud on my bank, and a hospital stay all within a few months of each other

Basically, help! We have a small business, opened one year. Our business banking is with barclays- as are my personal accounts. Didn't have much choice with that, for lots of reasons. Barclays are awful. They refused us an overdraft or any funding whatsoever - the account was in credit by considerably more than the overdraft we'd asked for, but we needed the ability to have credit in the future because we need to buy stock. Refused when we had contracts worth thousands, almost lost one because of it. Told us to use 'payday loan' type companies for credit for stock. We actually had to, to ensure we got stock for an order. When the money hit our account, they took a hefty chunk- even though our free banking wasn't to end yet and at that time, we weren't overdrawn. More recently they took our money earmarked for rent, out our business savings account. We told them we didn't give permission for them to do this- so they did it again. This left us overdrawn on the main account - they'd agreed a temporary overdraft, which we pay off monthly - we didn't really have a choice at that. Today they cancelled that - because they've taken us over limit - in response to me contacting them to tell them not to empty the savings account! Money goes in - on paper, we're fine, until Barclays take hundreds out every month. Since September, almost £2000 has gone to them. They won't actually provide us with where it's gone, or what our monthly fees are meant to be. We can't speak to our bank manager directly - and when we did - she actually said that the computer says no. And apparently no human could look at it sensibly, and make a decision on actual income or our business plan, or anything. Just- no. Our business is everything, we put absolutely everything into it. Then Barclays take it. We can't pay the rent because they've taken it, they've shut down our account. I've got a personal barclaycard - this morning checked it and that's inexplicably overdrawn. To add insult, barclaycard put up my credit limit on the account and dropped the interest rates the SAME month they turned down the business for a barclaycard - and sent us awful wine to say 'sorry' after the application apparently was turned down on their system before we'd applied. I just don't know what to do anymore. We put in a complaint in October and got back £200 of the charges, we told them we accepted the part payment but we were not considering the matter closed and would take it further for the rest of the charges/fees/random amounts they swiped. We've applied for other banks, but the more we're turned down, the worse we look. We've applied for a no-credit check business account today. That takes five days- won't be surprised if they turn us down too. How do we stop Barclays ruining our business? How do we get another business account that we can have card payments paid into? We can't swap to a personal account for business merchant services. They're meant to be ringing back in half an hour. I am not very happy with them Don't think I can speak to them, had a massive rant at them earlier, which wasn't helpful and didn't make me feel any better either. But just at the end of my tether with them. Barclays are just destroying us. Logged onto the online banking- and they're offering ways of funding small businesses as an advert, ffs!

Hi, Thought I would start the next (and probably last) round of my ongoing battle with Barclays. This time it's for mortgage fees that were levied between 2002 and 2010. Total is about £1500 and compounded restitutionary interest at 22% adds another £7.5k. There's no previous claim history with this but the mortgage is still with Barclays (v low variable rate and I will likely remain on this until full term). Also, the arrears were cleared at the end of last year but there is still a suspended repossession order on the house. I believe I can apply to the court for this to be removed at the end of this year (after 12 months of clear payments and no arrears). Should I be concerned about the repossession order and leave my claim until this has been removed? Also, since there are no arrears and payments are up to date, would I get the choice of crediting this payment to the balance or directly to myself? Thanks, J

Here we go again. Back in 2006 this wonderful website enabled me to claim back over £1600 in unfair overdraft charges from HSBC. Following the media storm over PPI I decided again this was the place to get my information ! I've kicked things off with a initial letter using the template from the Which? website, this was sent on the 26/04/2011 and I'm yet to receive any sort of from them. The PPI insurance was taken out in September 2004 and is on an active card. Should I expect any sort of acknowledgement from them or will they just reject my 'claim' in approx. 8 weeks ? Thanks again for the informative website, I'll update this thread as things progress. Jordan

I am appealing for advice in this case in which Barclays has failed over a 2 year period to put right errors on my mortgage account and now refuses to abide by the binding settlement terms. To confuse matters, the Ombudsman provided misleading information which led to me agreeing the terms and the complaint being closed while the issues are unresolved. Ombudsman has now washed its hands of the case and told me I need to sue Barclays. The Financial Services and Markets Act 2000 (FSMA 2000) makes an Ombudsman’s decision legally enforceable in court, but I can find no solicitor to take on my case on a no-win-no-fee basis and I am not in a position to incur legal fees. It is an obvious winner with loads of political mileage for any law firm. I assume I need to sue once for the statement which they were supposed to provide under the settlement terms and then again later for my losses- which I can only work out once I see the statement. The complaint relates to Barclays’ failure to credit my account with several thousand pounds of overpayments, even claiming the balance had INCREASED after said overpayments. This was my 3rd consecutive complaint regarding Barclays’ mismanagement of the same account. Under the settlement terms finalised 2 June 15 by the Financial Services Ombudsman, Barclays was to provide “a full breakdown of my (mortgage) account from June 13, showing when each overpayment was applied and a clear and accurate explanation for any amendments made to the account”. Barclays has failed to provide the above documentation, but not before lying to the Ombudsman claiming it had! A misleading letter from the Ombudsman claimed the account was now in order (Dec 14) and I thus agreed the settlement terms, which included a nominal payment (which the bank has made). However, the documentation that Barclays was to provide is obviously central to the complaint, particularly since I now have documentary evidence proving the anomalies on the account have NOT been corrected by Barclays. This may be why the bank now refuses to provide the documentation. This documentation was only made available to me by the Ombudsman AFTER I had agreed the settlement terms, believing the account to be correct, and AFTER Barclays had failed to comply. The Ombudsman provided me with documentation the bank provided to it during the course of the investigation, including a calculation (not a statement) which states “this calculation has been provided to assist with the resolution of the complaint”. This documentation does not tally with an independent audit of the account I was obliged to fund. The document makes it clear NO remedial action has been taken, ie it contains a heading “steps required to rectify the account” as opposed to “steps taken to rectify the account”. Nevertheless the Ombudsman told me in writing the account had been corrected! The document is virtually impossible for a layperson to understand and abruptly ends March 14, giving no clues to the current balance and states “the balances shown on this calculator do not represent the actual balance on the account”, so the information is of little use, hence the instruction from the Ombudsman that Barclays provide me with “a full breakdown of the account from June 13, showing when each overpayment was applied and a clear and accurate explanation for any amendments made to the account”. So I have no idea how much interest I have been and continue to be overcharged by the bank on the incorrect balance I was a diligent overpayer until Barclays mismanaged the account. Based on my previous pattern of overpayments, I have been prevented from overpaying at least 10k to date. I have written to John McFarlane CEO asking him to ensure his staff provide the documentation as per the binding settlement terms, to clearly show how much interest I have been overcharged, what steps have been taken to correct the account, and what the correct current balance is, however, it is highly unlikely I will receive a response based on the bank’s attitude thus far. The FCA said they could not assist. I wrote my MP who says he has written to them but won’t show me a copy of the letter. I made a formal complaint about the Ombudsman, but that won’t rectify the account issues. I contacted BBC watchdog and various consumer columns and got no reply. I guess no one dares take on the establishment. I have posted on Barclays FB page and would now like to post the above letter online as widely as possible – any ideas as to where and how would be appreciated. Also any advice on where to find a law firm to represent me on a no win no fee basis would be appreciated.

Hi All, First time poster! I've been battling with Barclays over a default they placed on my credit file purporting to a current account with Barclays which I didn't recognise. Six months ago my partner and I were house hunting, at this stage we were really just getting a feel for the market. A house came up that was perfect and we set the wheels in motion hoping to get a mortgage offer sorted within the week and put an offer in. After visiting a mortgage advisor, he asked for copies of our credit files, which we duly acquired from the two credit reference companies and sent them to the advisor. Whom then told me I'd no way qualify for a Help to buy mortgage due to a recent default on my Credit File. I was utterly shocked, especially when I found it was linked to a Barclays Current Account. I have never been a customer of Barclays, ever...at least to my knowledge. I contacted Barclays and went through the SAR motions. It would appear that my very old Mortgage account with the Woolwich (circa 10 years ago the mortgage was paid off and account closed), had been migrated to Barclays and somehow they had issued a charge on the account which changed its balance from NIL to a negative amount...this Current Account now in unplanned overdraft accumulated fees for approx 9 years. In January this year I had received a letter from Barclays saying my unplanned overdraft is being terminated and I must pay them back £267 immediately or face legal action. I contacted them and was advised to pay it to prevent legal action and chase the cause afterwards. So I duly paid the outstanding amount, paranoid that I'd get a blotch on my otherwise pristine credit record. At this point I was writing to Barclays enquiring where the account came from. Now fast forward to April and my house hunting exploits with my wife I mentioned above. After much messing around and letters going back and forth between myself and Barclays Customer Services, They admitted fault and removed the Default from my record, refunded me the £267 they had originally demanded and offered me £50 by way of compensation. I'm literally about to write a response to Barclays about the £50 compensation. Basically, I would have purchased my own house months ago, if it were not for Barclays and the erroneous default, it has stopped us moving on with our lives, prevented my children from being able to settle into their new home (currently 2 girls and a boy sharing a room), its caused endless amounts of stress to myself and my wife and caused months of worry and unhappiness whilst we believed that nothing could be done. I don't think £50 really cuts it after I've had to pay months worth of rent, I wouldn't have had to pay, the emotional turmoil and stress they put us through (I lost 4st due to stress, though that's probably a good thing), my wife has been put on anti-depressants due to the stress and worry. I don't want to be THAT hard done by guy whom is out to line his pockets with someone else gold, but I feel we were forced to hold the ****ty end of the stick through no fault of our own and we had 6 months of misery because of it. I'm not sure what my point is, or even why I'm writing this post, I guess i just needed a rant. On the plus side, it is such a relief that the default is going and we got our money back, but I'm not happy with the compensation they have offered, in fact I find it a bit of an insult. Appointment book for the Mortgage advisor for tomorrow and hopefully we will find another perfect property soon.

Hi Me and my husband currently both have an additions account with Barclay's. Around 2007/2008 we converted our basic accounts into the additions accounts on-line, because that was the only way to get an overdraft. We have never needed or used the benefits. Do we have a claim for the account fees and if so how do we go about reclaiming these? Any help would be appreciated. I have read other threads but cant find links to letters. I am very sorry if this has been mentioned else where but it means i did not find the thread. Thank you in advance.

Hi have not posted for a while as things have been ticking over O.K. thanks to all the help from this site but I now have a new problem which I hope someone can advise me on I have a loan with Barclays which has been off my credit file for some time but on just checking my file it is back on I was unable to maintain payments to the loan and started paying a reduced sum from around 2003 - payments have always been maintained but at a very reduced rate (have checked and the debt is enforceable - even got a copy of the signed agreement when I made a subject access request some time ago The new information on my credit file shows date account was opened which is correct - an opening balance which looks like it must be the current balance and not original loan amount - also shows the original payments due when the account was opened and shows green O.K. for July and August - so does not show that this account was defaulted many years ago or that I have been paying reduced amounts I am not sure what to do about this - I thought once a debt came off your file it could not go back on but perhaps I am wrong ? Any advice please - my credit file has improved vastly in the last 2 years and now it looks like I am heading back to square one Thanks!

I have made a claim through Barclays as I believe I was mis-sold on several credit cards and loans, they have accepted on of these was mis-sold and paid me £1893, I received a letter from them today stating that another one was not mis-sold as the application was done in the branch and I would therefore have agreed to the PPI, as the application in the branch dates back to 1997 I am not sure how they could prove this, is this likely to be a way of them getting out of accepting it was mis-sold and not paying me, and should I tell them I want this reinvestigating as I want proof that this was sold in branch and I agreed to this

I will try and keep this short! Ive been banking with Barclays since 1995 and there have been good and some not so good times! I've always had an overdraft. Last year when they introduced the new fees my monthly interest went from approx £11 to about £48 per month! I wrote to them in Sept and explained I was already struggling and asked if they could freeze the interest and in return I would pay £50 per month which would reduce the balance of the overdraft- I asked for 6 months and then for it to be reviewed. They acknowledge my complaint but I did not hear from them for several months, apparently they wrote to me in November but I did get the letter and also my father passed away on December 12th and was gravely ill for weeks leading up to this so it wasn't really on my mind. I contacted them in February and asked what was happening and they then sent another copy of the letter and a cheque for £50 for the delay. In the meantime I had been making the payments of £50 per month without an arrangement in place but they had not frozen the interest. The letter rejected my request and therefore I contact the FOS. After what seems like forever in May the FOS ruled in my favour and ordered Barclays to refund the charges from September and pay me £75 compensation. Now the other issue was that up until March Barclays had never in 20 years reported the running of my account to a credit reference agency but in March they decided to withdraw my overdraft and report this via the CRA's it it looked like I was £1300 OD against a limit of ZERO and also 5 payments behind! They were also ordered to make an arrangement with me, change my credit file from March to show an arrangement and show my overdraft limit. I made a formal arrangement to pay the balance in 6 months at £150 per month, more than I can afford but they would not accept less! It is now nearly September and whilst Equifax shows and arrangement since March, the balance is incorrect - it shows £1268 when its now just £550. Experian hasn't been updated at all and I only found this out because I have good credit outside of this and I want to pay a house, I applied for a agreement in principle and was declined due to this information showing me 5 payments behind! I lost the house I wanted! I recontacted the FOS who all along have been very lenient on Barclays and the advisor was actually trying to tell my that its the way Experian report and therefore not Barclays fault. She also said she was surprised I could get a mortgage with an arrangement showing but Ive been assured once this is sorted it is all fine. I insisted she go back to Barclays and she said she emailed them but they didnt come back to her and now shes gone on holiday for 3 weeks! Barclays will not discuss this matter with me directly. I just dont know what to do? this has been going for a year! Barclays just seem intent on making this as difficult as possible. I mentioned the ICO to the FOS and they said I dont need the ICO, is this right?? Any advice would be appreciated. Can I claim compensation for them making me lose the house I so desperately wanted?

Hi all, In 2011 I took out a £15k loan from barclays to save my struggling business which inevitably failed, I had a PG on the loan so I paid off £50 per month since and now it has been sold to Westcott. Judging by previous threads here, it seems as Westcott now own this loan instead of barclays and are sending me letters trying to arrange the payment plan again I am 26 years old and struggling with work at the moment, so I want to know if I have any rights and what I can do about it. By looking at other Westcott posts it seems as if I should avoid them as much as possible. Does anyone have any advice for me? Thanks Mark

Following on the thread of dealing with dads debts. Dad had an egg card which barclays are dealing with. This letter turned up today...a little unsure though of what it means if anyone can assist please A seperate unsigned undated egg credit agreement has been sent also Apols the JPG files are two small the PDF files work ***admin is it possible to remove JPGS ? *****

Afternoon, I've been in a bit of a spot recently, lost my job, had to re-arrange my mortage to interest only or risk losing my house, defaulted on my one credit card, missing paying bills every month, I think you guys get the picture but the last year or so has been financial hell for me. My credit report is a sea of red Anyway I'll concentrate just on the Barclays account here. I've had an account with Barclays for around 20-25 years and I have most of the statements which I've started to dump info from into an Excel spreadsheet. I have a question if anyone would be so kind as to help, 1) I've dug a folder from around 1998 onwards and logged charges that include Unauthorised overdraft fees Additions fees Transaction charges for insufficient funds in account Personal overdraft usage fees Overdraft interest charges Paid referral fees Items returned fees Reserve usage fees I'm missing a few statements here and there so will SAR Barclays today to get the missing information. Naturally I'm awful at administoring my personal finances or should I say I was awful until a few ago when I stumbled across this place. My question is this, what are my chances of recouping any of the above fees and if so over what period. The Additions fees which are small are already over a thousand pounds and I still have another 5 years of statements to go through. I hope I don't come across as a chancer who is trying to claw back money for services that I used. I have a deep loathing of Barclays as they have me by the short 'n curlies since I live in their 'reserve' paying close to £100/month for the privalige of doing so. I never asked for the Additions accounts, I frequently popped into my local branch on occasions to speak about the horrendous charges but was always told that I was on the best package for my current situation, surely this was misleading to say the least? I've read the BCOBS stuff in this section but am still a little confused as to what my next move should be once I've completed my spreadsheet and write to Barclays asking for ermmm, some money back please?

Hi, I was hoping for a little help and advice please.. .. In 2009 I took out a Business Loan from Barclays for a business debt of £20,000. I have an signed Agreement and have been paying £230 per month ever since. I have never missed a single payment. Today I received a letter from Barclays saying that the debt had been transferred to Westcot and to contact Westcot to make arrangements to continue payments but this time direct to Westcot. I rang Barclays to see if I'd ever missed a payment and why it was going to Westcot, the lady was helpful and said I had never missed a payment but Barclays had sold a lot of accounts to Westcot.... My question is this, I know and have read about Westcot and I do not like what I have read and I don't trust them . I was happily paying off this loan and now this is tainted for me as I know where this will head... . CAN I DEMAND THAT BARCLAYS KEEP MY ACCOUNT AS I HAVE NOT DEFAULTED AND THERE SEEMS NO REASON WHY IT SHOULD HAVE GONE TO WESTCOT? Many Thanks for you time in advance. Q

i have recently won a ppi case against barclays however they have sent me a cheque in the business name that no longer exists nor does its bank account so i would like the cheque in my name ,, i have rung them and they have informed me that i need to get a solicitors letter confirming that my business has ceased trading, which from what i have been told may cost a fortune the cheque is for £456 my name was on the cheque book chris CAN I ARGUE THAT THEY COULD CHANGE THE CHEQUE TO MY NAME WITHOUT A COSTLY SOLICITOR OR A ACCOUNTANTS LETTER my accountant is no longer in my area and i have no contact for him any advice would be greatly appreciated

Hi all, hopefully I'm posting this in the right section To cut a long story short, my mum went to Uganda back in May, during her time there [i suspect] she was a victim of 'skimming' and around £700 went missing from her bank account. When she got back to the UK, we took a look at her statement and the ~£700 was withdrawn from various ATM's around Kampala in increments over a few days. Barclays bank did initially cover my mum's losses whilst they supposedly opened an investigation, but just a few days ago, they basically sent her a letter saying that because her card uses the chip and pin stuff, it had to be her withdrawing the cash and that she needs to pay all of the money back. I've done a bit of reading and banks in the UK don't seem to acknowledge that skimming a chip and pin debit card is a thing and automatically place the blame on the victim of the fraud. Is there anything at all that my mum and I can do? Thanks in advance

Greetings, I do not know if I am posting this in the right forum, but I'm wanting help with something Barclays has done to me: I posted the following question to Barclays customer service department (all the following quotes are simply repostings of our interaction): Me: "Greetings, I am requesting that Barclay card does not increase my credit line, and does not do any hard credit checks whatsoever on my account. Can you please add a note that this customer does not wish to have any credit checks accomplished?" Barclay's Response: "Dear _customer's name_: Thank you for contacting us regarding your Barclaycard Arrival Plus World Elite MasterCard. We can certainly address your concern regarding the FICO® score on your account. When you view your FICO® Score through this program, you are not impacting your credit score in any way. Credit inquiries classified as "Hard inquiries" (like when you apply for credit) may affect your credit score. "Soft inquiries" do not impact your credit score and are initiated for the purpose of pre-approved credit offers, and by existing creditors to monitor risk. The FICO® program is simply sharing the information obtained through soft inquiries. Therefore, it does not affect your credit score. Further, please be advised that we receive updated information from TransUnion once every 10 weeks, or whenever there are certain changes to your credit file (new account openings, new inquiries for credit, etc.). Whenever that updated information affects your FICO® Score, we will send you an email alert letting you know that your FICO® Score has changed. For more information regarding your FICO® score, you can access the Terms of Use through the 'Your FICO® Score' tab, located in the 'Tools' section of the website. We hope you find this information helpful. If you have any other questions and concerns, please reply to this message. Sincerely, Customer Care" My response: "Greetings, thank you for responding. This is not what I asked. Notice that I asked you not to do any HARD credit inquiries on our account. I don't care if the FICO score is updated, I care that you don't do any HARD inquiries on our account. In other words, last year you did a HARD inquiry on our account to increase our credit limit, which we did not ask for. I do NOT want that done again. Does that make sense? I can explain further if you'd like." Barclay's response: "Dear _customer name_ : Thank you for contacting us regarding your Barclaycard Arrival Plus World Elite MasterCard. We can certainly address your concern regarding the hard inquiry on your account. We will need to pull and evaluate your Credit Bureau Report. Please keep in mind that we are only doing a hard pull in order to process your credit limit increase request. We hope you find this information helpful. If you have any other questions and concerns, please reply to this message. Sincerely, Customer Care" My response: "Wow! What part of DO NOT PULL A HARD CREDIT REPORT are you not understanding? I thought I had been really really clear, but I guess not. Is there a way that you might send this request to someone who understands English for me? I'd really really appreciate it. Again, I want to try to be as clear as I possibly can. I do NOT want you to pull ANY hard credit reports from me. I do NOT want an increase in credit with you. I do NOT want another hard credit report pulled. Again, would it be possible for you to forward this request to someone who understand English? I'm not being rude, I just really don't understand why you can't understand my request . It seems really straight forward. DO NOT PULL A HARD CREDIT REPORT, and DO NOT GIVE ME AN INCREASE IN CREDIT. If you're having difficulty with this, please tell me what your first language is and I will see if I can translate it so that it is understandable. Please respond back that you will NOT pull a hard credit report ever again. Thank you." One week later, I found out that they had pulled a hard credit report on me. Is there anything that can be done about this? It seems very blatant disregard for the customer's request.

Hi Guy's, Today I took receipt of a letter from Barclays saying that they thank me for my request etc. Tomorrow is the final day of the 40 days to receive the information back! They are now asking me to provide details of which branch i would like to visit and provide id documents etc (while they collate the information) I have already sent them a copy of my utility bill, my council tax bill etc - can they request this? More importantly they have failed to get me the documents within the 40 days. Thanks, Flappy

Hi everyone, My wife have accounts with Barcalys which were opened in the early 90s. Apart from recent statements, she does not have any other paper works. There are definitely charges and possibly PPI but we need proof before making any complaint. We made a SAR request in Feb 2015 and a LBA went out three weeks ago (April) giving them 7 days but they have not bothered to respond at all yet both letters were signed for. I now want to get a court order for them to comply but I am not sure of how to go about. Which form do I use? How much will it cost? Any example/template of such an order? Any other thing I should know or add to the order? Any help is welcome. Thanks

Hi, I hope someone can help please I took a loan with Barclays and defaulted on payments when my best friend died as we were still young the grief hit me so bad I had to go to hospital for a while so couldn't pay my loan. I've finally got my self together and out of the blue I had a letter from PRA group offering me a reduced payment I've never had a letter of assignment from Barclays not really had any letters from Barclays that I can remember. I checked my credit file a few weeks back to check where I am in life as I wanted to move out from my parents and then a letter arrives from pra? theres been no searches from PRA just report saying about Barclays debt and an orange debt for little money. and the PRA letter said Barclays there client would accept a reduced amount to settle the account and my credit file would show settled not satisfied. they said pay 600 + so I wrote and said with family help I could pay less but want it satisfied not settled. I don't know if I've done the right thing and I'm not sure if they've bought the debt if I've not had an assignment letter . my mum is trying to help me but we don't know what were doing tbh. any help would be much appreciated.

Hello I'm hoping someone will be able to give me some advice. Last week I received 2 letters. The first was from BCW asking for me to verify my address and that they needed to communicate with me about a 'private matter'. I subsequently received a letter with a Barclays letter head stating that a debt (£1900) with them had been transferred to BCW and that I should now pay this in full. No breakdown of the debt was provided but an old current account number was quoted. I did hold an account with Barclays until 2004 when I switched to the Coop Bank. I moved address at the same time and so have not received any further statements or correspondence from Barclays since then. From memory I am sure that I instructed Barclays to close the account in 2004 but I don't recall if this was done by telephone or letter. I don't have copies of correspondence from this time. It's clear from other threads that I should avoid telephone contact with BCW. I need to know how they/Barclays reach the figure of £1900. It seems possible that Barclays left the account open. If that happened there may have been one or two small standing orders to charities which I forgot to cancel and which have simply accumulated over the last 10 years. What should I do now? Presumably Barclays will have to provide me with statements over the last 10 years to show me how this debt has built up. Can I ask them to let me have this bearing in mind that BCW are asking for all communication to go through them? Also, would there have been any onus on Barclays to contact me when it became clear that the account was inactive - no income going in, no cash withdrawals, just possibly 1 or 2 standing orders? And would they have been able to keep renewing the annual overdraft without my agreement? Any help on what to do would be much appreciated.