On the 22nd Feb 2006 i took out a second secured charge on my property with a lot of 'hel'p from the first plus operative. I had a property worth approx 155k with 148k outstanding on my Northern Rock Mortgage. I had a requirement for 100K and approached Firstplus who at first suggested there was insufficient value / equity in my property I bleated that I really needed the loan and he said he would see what he could do. I subsequently received the 100K. I have now been advised by Barclays that they valued my property at 200k at the point of the loan (nationwide and halifax property valuation service on-line concur with my 150 k ish valuation.) They have inflated their valuation of my property to facilitate the loan within their 125% max threshold for such loans. They have told me that they have the valuation but it is private to them alone. We definitely never had any valuer visit the property. My property is still not worth 200K and is unlikely to get there within the life of this loan. Does this combined with the inflated and innaccurate valuation make this unfair? Can anyone help. I have written to Barclays who simply hide behind this secret valuation. The Financial Ombudsman Service seemed positive about helping but there is a 6-8 month queue at present.

Hi there, I moved house mid Jan this year. With one thing and another it took a few weeks to get all of our change of addresses done, and one of the few I couldn't do online or by phone was Barclays Bank. I don't use them as my main bank anymore, but have held an account since I was a child which I used during university and had quite a big overdraft on. I had been paying small amounts off this overdraft so that I could eventually close the account, but it was still £900 when we moved. I filled out a postal change of address form they have, and sent it off. I received a letter back to my new address, thanking me for the update, but saying I needed to go into branch as the signature they held on file for me needed updating. This was end of Feb. Again, I work long hours and didn't get around to this for a while, but had assumed they had acknowledged the change of address. Went into branch mid March, to be told I didn't have an account with Barclays anymore, and that they had closed it due to 'tracing issues'. Turns out they had sent a couple of things to my old address that got returned, and they hadn't acknowledged my change of address form because I hadn't been in to update my signature. Staff in branch at that point said the account was still with their in house collections team, and should be easily sorted. They agreed to call me back within the following few days to confirm the next steps. Got a call a few days later saying actually it had already gone to a DCA (the previous week apparently) and that I needed to contact them. Gave me the details for BCW, but no reference number or anything more than their phone number. I wrote a complaint to Barclays asking that they allow me to just clear the overdraft directly with them, and also wrote to BCW (whom I had not heard from at all at this point) saying the same. They quickly wrote back saying the account would be put on hold whilst they investigated. In June, both wrote to me saying my complaint would not be upheld as 'I had failed to provide enough details about the situation to allow them to investigate'. Not sure how as I had explained the situation fully and sent copies of my change of address form, the letter of acknowledgment etc. I again wrote back to both saying I would be putting in a complaint via the FOS as I didn't feel they had dealt with it well. I also put in my letter to Barclays that I was still willing to pay them back directly, but they have ignored all correspondence from me. The FOS acknowledged my complaint but said it could be several months before they have an answer, s o to be honest I have just waited - kind of surprised that I had heard no more from BCW, and not sure who I could even make any payment to at this point. Probably naively I assumed that as my complaint was still in progress all was on hold. It has plagued my thoughts on a daily basis, and aside from this, I did have a good credit file with everything up to date etc. so it's really worrying me. this weekend I get a letter from a different DCA - Moorcroft, addressed to me, but with no indication at all of what it's in relation to - just says they believe I live at this address, and need to contact me regarding a personal matter. I have been feeling sick to my stomach all weekend and unsure what to do now... Could it be that BCW have passed it on? Surely moorcroft would have put in their letter who they were acting on behalf of if so? Do I write to Moorcroft and ask for more detail and see what they come back with? Who can I actually make any payment to? I can't pay it all in one go, but could probably do it in two halves end of October and November with some juggling. I fully accept I had the overdraft and just want it gone and sorted, but I also don't want to give money to some random company that might not even be the right one. Ideally, Barclays would let me pay them back directly, but they won't respond anymore, and would that even be correct? Have they now sold the debt on or are these DCA's just acting on their behalf? The default placed on my credit file, which I'm also really upset about, is from Barclays, and there is no search or info placed on there by anyone else. Just terrified that someone is going to come knocking at my door all because of a stupid change of address. Apologies for the long winded account, and thanks in advance for any advice.

Hi, This morning, I intended to pay off a portion of my Wonga loan, I accidentally paid in full, which I really couldnt afford to do (paypacket wasnt what I was expecting!!) Anyway, obviously Wonga wont refund anything, nor will they give me another loan for some stupid reason or other. My question is, does anybody know if Barclays are able to recall a payment I made in error?

I am a private house hold and have an ex-directory private landlines telephone with BT. I am 64 years of age with health problems. I do not run a business from home and this telephone number has been with me since 1966. On the night of the 24th October I started to get telephone calls from mid-night onwards which got picked up by the answer machine that I have no sooner the answer machine started the calls were cut off after giving a fax signal and then the process was repeated again up to seven or eight times call after call then after a twenty minute break it started again. This was kept up all night long. When I dialed 1471 to find out who it was it said caller withheld the number. However, after five days and nights of this nightmare harassment, I managed to get the two telephone numbers that the calls were made from. They are 01 452 378 483 and also from 01202 406 090. I contacted BT and asked them to check these two numbers as I did not want to dial myself in case they were some soft of international [problem]. They told me the numbers were for Barclays bank and it was Barclay's bank that were making these endless harassment calls to my number. I then called the first number and I wast old by a very rude Indian man that it was Barclay's Call center in New Deli and that I was placed on what he called a Hit List. and he told me that I can not be removed from the Hit List. I then had to make seval calls to Barclay bank to be told on several occassions after being given a complaint number that they will look into the matter which takes three days and mean while I will just have to put up with whatever they dish out such as these calls all night long. I had five days of this from the 24th until the 28th October all night and all day. I was not able to use the telephone most of the time as they also managed to block the line making it unusable each time they made a series of these calls as the phone line would go dead for a while. I am ill with Ostio Arthurits plus heart problems as I had a heart attack last year due to stress and this was the last thing I needed as I also had lost my elderly aunt who passed away at the end of August. I have now been told that Barclays have put a stop to the calls however, I had a further two days of calls on the 13th and 14th of November when it started up again after being told that they had taken me off the list. Barclays have just contacted me and made me an offer of Fifty Pounds which I refused for all this harassment they then made an offer of Two Hundred pounds which happens to be twenty pounds per night and twenty pounds per day for all this aggression. I have told them I will not accept that sum of money and I will now taken this further to the Ombudsman. I find Barclays the most outrageous, and ruthless bank that could not care a dam for their customers and I hope that this helps any one that reads it to stay away from Barclays as they are the most rude and unhelpful bank I have ever encountered. When asked a very simple question to why did they do this to me they said that they have no answer to this question and they were really not concerned about health situation.

As a student in 2002 I took out a Barclaycard for which I was charged for PPI - was told I was unable to have one if I didn;t take out the option, IIRC. I also took out a Barclayloan as a graduate in 2005, on which I believe I paid PPI. I don't have any details of the account numbers anymore, and moved banks in 2006. Is it worth a SAR? I've filled out the Barclays questionnaire online to reclaim, but without specific details I'm not sure I'll get much more than a fob off.

hi had a Barclays additions account up until recently which I paid off. i want to claim for charges etc on the account, how would I go about doing it? any advice would be great thanks

About three weeks ago i opened an account at barclays with my NEW business Manager as it is a brand new business account (business has been trading for 5 year) After meeting with business manager and opening a business account we proceeded to trade as normal at my business. On the 29th of May i paid in some cheques from my clients, which was about 100K, i informed barclays about this even before i put the cheques in and i also told barclays what the funds would be for, Business manager told me that it was ok to put them ALL in as i had informed barclays before i even did so. On wednesday the 4th of June i went into the branch to see manager again about our online banking facilities and to add our staffs sort codes and account numbers to the account so that we could pay their wages. When i arrived there to do this i found that the account was at a minus and that the funds had been frozen. To my disbelief i asked Bank manager what was going on and she told me that barclays where doing checks on these payments. It is now Thursday the 12 of June. I have been unable to pay my staff from last month, i have been unable to pay my rent, I have been unable to pay my bills. Not only this but i have been unable to pay my tax bill to HMRC.I have also not been able to pay my business rates at the office, i have been unable to pay telephone bills at the office, I have no staff in my office, my business which i have built over 5 years is at a complete stand still. Every time i call them they tell me its opertional Difficulties! Ive raise complaints to head office... this is terrible. and you wouldnt believe how i am feeling....How long do we have to wait for these checks? Do they not realize that this is affecting all of my staffs lives and mine!!!!!! please dont tell me to go legal, fighting a bank legally is a long process, i just need my business back!!!

My son is 24 earns good money and has very good credit but has never had a credit card or a loan. He applied for a £6000 loan to buy a new car with Barclays bank which he has been bank who he has been banking with since he was 17 years of age. Barclays have been sending him letters about getting loans and credit card which has previously declined and now he has applied for one he has been refused. My son lives with me and I do not have good credit and I am sure that credit applies to the individual and not the household, is this correct????

All creditors were written to by letter dated 21.08.06, to inform them of financial difficulties. I enclosed £1 token payment and cont’d to pay this for some months until payments increased. The original payments amounted to £500-£550 per month. I am still currently making all reduced payments as below. I would like to resolve all this but, as I have not had any statements etc from and have still been paying them, I am unsure where I stand and what I can do, if anything, and do not want to open a can of worms as I have been off work with bereavement/stress/anxiety and as a result I am now unemployed. As such I am doubting my ability to deal with all these debts. Any help appreciated. thank you. Barclays Bank - Chelmer Collections (a DCA owned & operated by Barclays) Loan Not showing on Equifax file Balance outstanding was £1930.09 on 25.01.07 I am paying £5.01 I have not heard from them [CC] since 25.01.07 this is the last letter in my file, but I have been paying Debt Matters since 20.07.07? Last contact from Barclays was Default Notice dated 10.01.07 I have the original Default Notice stating “daily interest charges of £0.77 will continue to accrue (assuming no change in the interest rate) from the date shown below [10.01.07] until full repayment is made.”

Hi guys. I have taken the time today to come to my senses and attempt to arrange all of my finances once and for all... I will create a separate thread, in the relevant section for each creditor. For now though, I currently have an ongoing debt with Barclays Partner Finance, this was previously Clyesdale Financial until BPF took over. I have a remaining balance of £314.77 and currently paying back at £1 per month due to my previous job coming to an end and now in receipt of JSA. £1 a month is all I can afford to make at this moment in time. I have never ever thought of the previous charges on this account until coming across the statements again today. Date of first movement on this account was 28 Jun 2006. I used the spreadsheet template to tally up the charges applied to this day a nd using the interest rate on the agreement, would see me only having to pay back a few pounds before cleared.. . however using the 24.9% rate, BPF would then owe me money it would seem. I tried to access the prelim charges letter as I was hoping to integrate the hardship status I am currently in also. . but I dont seem to be able to access anywhere. Please can anyone help me, to advise as to which route I should go down with charges and how to approach given my current financial situation. Thanks in advance. davetherave87

I wonder if anyone can assist? I was in my overdraft (always near the max) I regularly pushed over my limit and incurred a charge (or 3) as a result of Interest charges levied on my account. I was under the impression that Interest Charges & Late Payment Charges would not then trigger another Late Payment Charge, is this correct or was I misguided. Thanks

Hi all, been reading the forums to see I'm not the only one with this problem with Barclays. On the 3rd of Jan, Barclays removed £9.6k from my account to "TO RECONCILE", reading the forums shows that this was an AML check, but I got a call on the 9th to say that the money is back in my account, and no we aren't going to tell you why it happened. I asked if there were any issues on my account that I should know about, and was told everything is fine, carry on as normal. Then the 13th comes along, and all access to my account gets cut. I call up and find out that my account is under investigation, and the now £21k in my account is frozen in there until they finish investigating. I am also told they sent a letter on the 9th to inform me that they are closing my account, and I get that letter a few hours later. So I go through the complaints system, and ask why was my account being closed, and what is being doing about the money in there, seeing as I can no long run my business until this is sorted. I get a letter telling me that they can close accounts for any reason and they don't have to tell me, but they seem to ignore the question of the money, the main point of the complaint. So I complain again saying it hasn't been dealt with, and 2 days later, it gets closed as a duplicate complaint, and that I have to go to the Ombudsman, which I since have. But I end up speaking to someone on the 29th who says that if i can prove the money is mine, then I should be able to remove the money from my account, and that i need to take this proof to my branch who will fax it over. So I print out all the transaction logs (PoS Business, so no invoices), and take it to the bank. The branch manager takes it, and disappears for an hour, comes back and tells me that head office is happy with the proof, and I can take my money out now, although they will need to order the money in. I asked if they can do a bank transfer, not wanting to walk out of the bank with £21k in my pockets, and they were more than happy with that. So, here I am, thinking this will have a happy ending, right? Nope, I go to transfer the money out, and i'm told that i can't remove the money due to the block on my account (a T2 block). I have sent the paperwork off to the Ombudsman today, after calling them saying it's an urgent case due to the fact my business is my only form of income. The only saving grace is the standing order I set up on my account is still paying me into my personal account, so I can at least pay my bills, up until they close the account in March. Does anyone have any advice on what I can do to speed this up, I don't fancy having to walk into the job center in 2 months stating i'm unemployed due to the bank holding £21k for an undisclosed amount of time. The fact they said it was an investigation makes me think that it isn't an AML check, as i would have thought this would be classed as a tip off, but who knows. Thanks for your help .

Hi recently SAR Barclays and have received a list of documents from them, can someone give me an idea as to what they should have sent me. They have sent me a print out of statements which point out telephone calls made to house and late payment charges going back 6 years dont seem to see any T&Cs included. I know I have had an account longer than that, is this all that they are required to send me, any help would be appreciated.

Share the same computer systems? Many thanks

Hi, I am looking through my credit report to get details of old loans and credit cards in preparation for making PPI claims. However, I have come across an entry for Barclays Bank plc that I can't recall. It mentions a current account opened in 2000 and closing in 2009. I have never had an account with Barclays, so I am wondering if they have taken over someone that I used to bank with? That said, I have only ever had current accounts with Natwest and Halifax, who I am still banking with. Does anybody have an idea what this could be? If I were to send an SAR to Barclays, could they give me all the information I need even if they took over an old account halfway through its duration? Thanks for your help.

recently myself and my partner were in Poland and used our Barclays debit card to purchase flights back online. The bank then blocked the card, when the automated machine at the airport went to validate the card it wasn't valid, I have then spent a considerable time on that day trying to contact Barclays who constantly couldn't understand me and kept putting me from person to person, upon asking to be put through to my branch in Northern Ireland, I was told that Northern Ireland was a separate country and not part of the UK, when I said my local branch they told me no branches in Northern Ireland existed, having spent a considerable amount of time arguing they finally gave me a number to branch that "didn't exist". The branch informed me that the card was blocked and that I needed to call the fraud team to unlock the card, I rang them straight away to be placed on hold for close to 45 mins and the phone being cut off on 3 separate occasions. finally that day I rang the branch again, and they weren't able to lift the block themselves, and told me to try again tomorrow. As were denied check-in, and with no access to money from our debit card, we asked if they would increase our credit card, to which they said that wasn't possible from a non-UK number. we were left in Poland with no access to funds and very little money on us, we continued in vien for the next couple days to no avail, and finally concerned we had no way of paying a mounting hotel bill, my partner who is Polish, was compelled to take a loan for us to get home, in between this I contacted the complaints team, and gave them my Polish number to call and liase with me to resolve the matter, to which they spent 5 days trying to ring a UK number!!! I personally ended up in hospital with stress from all the drama, and having made a total of 11.5 hours worth of phone calls to Barclays from a Polish phone, contacted the branch again who said that we were to keep all the receipts from everything and bring them back and that Barclays would put us back in the position we would have been in had this not happened. This was also confirmed by the complaints team, and finally when we got home was told to head to my branch and take all evidence of everything with me to show the catalogue of catastrophes, and firstly they tell us the complaints handler they have assigned us is on annual leave, and no one knows when he's back, when we asked to speak to a manager, were told Managers' aren't here to talk to customers. From the branch appraisal of the situation we were out of pocket by 5117.49 including the loan and over 500.00 on phone calls. Finally it was upgraded to Level 2 in complaints and she was very helpful and listened to me and told me that they would get things sorted out as quick as possible. I explained that obviously we have bills to pay now and are so out of pocket I had to sell my Ipad, she agreed she understood the urgency and would take steps to resolve with me asap, finally today they ring back and tell me after the complaint has been in for over 4 weeks that as a gesture of goodwill we would like to credit your account with 300.00. I argued and said after everything that had happened this was unacceptable, and threatened to speak to the legal team, then she went on hold, and said well we could do 600.00. I then asked was this the final response to which I was told that it was a gesture of goodwill, and that in actual fact nothing had been investigated at all. After the offer of 600 I telephoned through to our local branch, who told me "they weren't surprised" as Barclays hate admitting they're wrong, and that I would have a long fight on my hands to my money back from them. And that owing to the amount we were down I should ask to be moved to Level 3 complaints for a decision, I upon recieving a further call from complaints told them I wished it escalated to Level 3, she asked me why? I asked the question after everything that had happened, would you accept 600.00?? she said no.. .Then I was asked what was the minimum I would accept..... We have banked with Barclays for a while, I feel totally abused by this "bank" it's dishonest practices and treating customers like dirts is unacceptable in todays unstable banking world. Would love some advice. T

Barclays is set to move around 2.3m savers on to a new type of Isa which for two thirds of them will mean worse interest rates. The bank has already closed 11 of its cash Isas to new customers and will now be withdrawing them from existing customers too. The new Isas will pay less than the two per cent annual interest, meaning more meagre savings rate for 1.6m customers, with 740,000 benefitting or remaining unaffected. Barclays has said that it has been urged to simplify its Isas. Lee Chiswell, head of savings at Barclays said: These changes will make it easier for our customers to understand their products and easier for staff to serve them. We are writing to all impacted customers to let them know how these changes will affect them, and we have worked with our colleagues to ensure they can support customers who have any questions about these changes. http://www.cityam.com/1407333497/barclays-isa-changes-hit-savers http://www.bbc.co.uk/news/business-28675631

I am looking for help with the issue of First Plus interest rates on a loan. Has anyone else tackled these people over re negotiating their loan to a fairer agreement? Thank you.

I have had a degree of success with claims against Barclays Masterloan PPI. One of the accounts I submitted is still ongoing from April 2013, the first letter I received back said that they had been unable to find a PPI policy in my name so the complaint has not been upheld. However, if i can provide further information relating to this policy eg Policy number, document, your complaint will be re-opened. This letter is our final response to your complaint and we hope that you are satisfied with the outcome. Re-sent all the paperwork copy of credit agreement with the breakdown of the Premium Loan (PPI) shown clearly on it again. Various letters and telephone calls transpired (account numbers and their references not matching) up until 16.04.14 when i wrote again asking for an update. Received a letter 1st May 2014, wanting to reassure me that they were dealing with the complaint as quickly as possible. Called them on the 16.06.14 to see what the hold up was. I was told that the paperwork was in place and that they were just waiting a case handler, because of the back log of claims could be mid-July before it was looked at. Received a letter 24.07.14 (14 weeks later) which said that the evidence I have provided shows that PPI was not present on this account. I really was not happy about this, if there was something else that was not right then I would have accepted it, as I have said I have had claims upheld either side of this one. So I decided to call them and hopefully get a constructive reason why this had not been upheld. The arrogant individual on the telephone told me it was obviously something else I had took out and was not PPI (whatever else it was I have no idea), I explained about the other upheld claims, to which he said that I did not understand the banking industry, if I had a problem with that then I could contact the FOS. I have wrote a letter of complaint and asked them for more detailed explanation for the reason why an agreement with the PPI on it, somehow shows that PPI was not present on this account. If there is anything else I can do meantime then please let me know

Hi all, Sorry to bother you but I'm after a bit of advice regarding an old Barclays account. Heres the story... My partner and I had a joint account with Barclays many years ago (2004) of which we ended up having an overdraft of £2170. Due to various reasons we ended up pushing it to its limit every month and eventually came into a bit of financial hardship but we struggled on as you do. Then in 2008 I was sadly made redundant. This is where things went terribly wrong. We struggled on for another year incurring fees left, right and center but we just got by until it all got too much and we went to the CAB for help. They kindly went through a financial statement with us and contacted all our creditors with repayment offers of which some have been paid off and some are still running. We also put in a claim for bank charges on our Barclays account, asked them to freeze the account as we were in financial hardship, destroyed out bank cards and sent them back with our cheque books as advised by the nice lass at the CAB and opened a new basic account with another bank. Barclays sent us a letter shortly after (28th August 2009) saying that they were sorry to hear of our financial hardship but they considered their charges to be "lawful, fair and transparent" so were throwing out our complaint on that front. They also refused our offer of £10 a month repayment towards our outstanding debt. Then a month later we received another letter RE: our financial difficulty claim stating that they have accepted our claim and will be paying us £585 as a "goodwill gesture" and closing our claim. This is where things get really messy. At that time my wife was sadly diagnosed with Multiple Sclerosis. I have an anxiety disorder which is getting better now but back then meant my wife dealt with all the paperwork, bills etc. To cut a long story short (too late, I know lol) this account has ended up being forgotten about until now. I decided to get a copy of my credit report and was stunned to see that Barclays had been putting an entry on there every month for years. I'm guessing they have done the same with my wifes credit score too. Is there anything I can do about this? Also, what was originally a debt of £2170 because of the interest and PPI they have been adding every single month has now reached a total of £5162 and is still going up by over £50 a month (£17.36 a month PPI + interest) despite us requesting them to freeze everything and not using the account for years. I am still out of work due to my anxiety but also because my wife is needing more and more help around the house as her MS progresses so I've pretty much become a house husband/father. She has always worked part time in Tesco but I'm unsure as to how long she can continue working. As of right now she has been off work for the last 2 weeks with a relapse that has left her numb down one side of her body and very wobbly on her feet. Any help on which direction I should go would be great. My anxiety is getting better now and I desperately want to step up and start providing for my family again, being a decent father/husband and taking everything off my wifes weary shoulders but first I need to get our current situation under control and hopefully repair some of the damage this has done to our credit reports. Many thanks.

Hi Folks, Does anybody know if Barclays are legally allowed to charge £30 for Paid Referral Charges on a business account? I have month on month been hit hard with these charges and every month its getting harder to get out of the hole they are creating for me! My personal account has the occassional Paid Referral Fee but this is charged at £8, although still a lot of money it is much more reasonable than the £30 on the Business Account. How do I stand if I decide to go after them for a refund? B

Good evening guys, I was wondering if I could seek some help. My partner has been off work on SSP for 7 months now and I am the sole breadwinner in the house. Our income and expenditure looks relatively OK but Barclays have been making things much worse for us. Both of us have had suspect transactions to EE/T-Mobile on our statements, even though I am with Three and other half is with o2. They've refunded these amounts to us as and when we've noticed them, but it's got to the point where I've had to go into the bank to sign the forms as they're just taking too long to send them out and in some cases, not send them at all. The form in question asks pointless questions such as "Is your Debit Card in your posession at all times" etc, which I have to answer "No" due to the fact that when I'm at work, it is in my wallet, not at my workstation. They've now sent about 40 copies of the same form and no sheet at the back to tell me which form is for which and it's all really confusing, worse than that, they've been charging me for DD being bounced because the money has been taken from my account without my authorisation. They refund me the amount, but then take it back after a few days because I don't return them in time, even though I haven't received them. It's driving me crazy, I've probably amassed and paid enough charges to do my monthly shop since my partner has been off sick and I just can't manage it. I don't earn much money but I do like to have enough to eat, fuel the car and pay my bills. They're taking so much that my car insurance is defaulting and then I'm being charged a £30 late payment fee on that, which I have to pay or I'll lose my car and both of us will be stuffed. Can anyone help me with where to start, please? Thanks Yukiko

Dear all, The Friday before last (4/7/2014) I went to make a debit card payment for dinner with clients and the transaction declined. I checked my account on my phone (Barlcays App) and my two barclays personal accounts (current and premier) 4 savings accounts and 2 business accounts were collectively showing to be overdrawn by £5,000,000. On 7/7/2014 all available funds in the account were sent to reconcile to Coventry OPS 05 ADV. I logged a formal complaint on (4/7/2014) and after countless calls to customer service advisors who gave excuses ranging from a technical error to an account review and no resolution I sent an email to senior executive at Barclays. Later that day I was contacted by a member of the Barclays customer relations team at their Head Office in Canary which was on Thursday of last week (10/7/14) however he has not been of much help at all, he has not provided any clarity as to what is going on or any time frames as to when I can expect to have my funds released. I have gained an understanding myself and believe it is a Suspicious Activity Report (SAR) that has been filed to the National Crime Agency (NCA) or similar however I have nothing to hide and although its been a good year for business everything is above board and I do not understand why they can't simply ask me for clarity... This freeze on my accounts/blocking of funds is causing serious problems for me and those dependant on me/my business. I was wondering if anyone has experienced a similar situation and if so when the issue was resolved and if there is anything I can do to speed up the process or any other information that might be helpful. It's so frustrating being in the dark and having hard earned money taken away from you with no explanation ! Thanks.

WHAT DO YOU ADVISE I wrote to Barclays using a template letter from moneysavingexpert and got a no we don't owe you anything. a few months later gave my account details to Brunel Franklin who also got a no. then a couple of months later got a opps we made a mistake we owe you £800 plus 50 as a goodwill gesture from Barclays. cc Brunel Franklin. Now then if Barclays had been honest/done there job brunel franklin wouldn't be in the frame and wanting best part of 300 notes from me. secondly Barclays have paid the money into my defaulted account and I don't have access to it. so I would have to pay them from my own pocket. tempted to offer BF the £50 Barclays gave me as compensation and say well I applied before you. what do you advise people ?????

I applied for a Barclaycard Platinum online a few days ago and I didn't get an instant decision. I rang to ask about it and they said I have been sent a letter requesting documents although they didn't know what and why. Any idea what documents they will be requesting and the chances of me being accepted? Noddle and moneysaving expert creditcard eligibility checkers rated me a 70% chance of being accepted and Barclays own said I had a 'good' chance. Only problem is I have a lot of searches on my file which is the thing that could get me rejected.