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  1. Hi, I am currently going through the ombudsman stage, in demanding repayment of account fees for additions 2000(?) - 2004, additions plus 2004-2012 and no 'downgraded' current account with overdraft of £1, 700 and daily fees of 0.75p and £1.50 depending of if the overdraft is 0-£700 or £700 to £1,700. I have complained regularly over the years to Barclays but only had occassional fees reversed. The package account fees at worst were £192.00 per annum by 2012, whether in credit or not. In 2008 Barclays imposed a £1000 reserve with paid transaction fees on top of a pre-existi
  2. Hello all, I am hoping to get some advice as to how to proceed with my complaint regarding barclays bank charges on my account. My history: Since my original account was upgraded to a First Additions account in 2006 with a personal overdraft I was under the impression at the time that increasing my overdraft limit incurred fee's onto the account and was paying initially £5 per month until upgrading in 2006 with a larger limit for £11.50 per month. My account was upgraded again to £14.50 a month (additions plus), and i cannot recall if this was automatic or whether I was gi
  3. Hi Y'all and Happy Easter I was wondering if anyone would be able to offer me advise regarding my claim with Barclays over mis-sold package account? I have had an acknowledgement saying that i had an ADDITIONS account in 1999, but i have no statements going back that far, only from 2004 when it was upgraded to an ADDITIONS PLUS. Does anyone know how much I would have paid in fees per month, back in 1999, for a Barclays ADDITIONS account? They are taking forever on this, I first complained in December '14 and have only just had acknowledgment wanting more info -
  4. Hi All I have opened a claim for refund of Additions account fee's and have received a questionnaire to complete; which I would like some advice on how best to proceed. Here are some background details first: I first became aware of Package Bank Accounts last year when a colleague at work told me that he had reclaimed some money. I was shocked; having only ever banked with barclays for the last 24years I genuinely thought that I had to pay for my bank account and that the insurances etc. were free perks. I decided to pursue a claim myself; I only have state
  5. Hi guys. Started getting texts, emails and letters from Lowell for an old Additions account. I had already SAR'd Barclays and have the paperwork. It seems the last credit to the account was around 2004. Should be statute barred except I've been making token payments until 2014. There is nothing on my credit files. I know that Lowells have a tendency to add defaults well after the fact so I'm keeping an eye out and will act to get it removed if they do. Reading other posts I know that the clock kept running due to the token payments so not SB. However I'm not sure if Lowells ha
  6. I have received the following response to my complaint regarding Barclays Additions Account You have held Additions on two separate occasions and Additions Plus. Please provide your recollection of each point of sale. I can see your account was downgraded in error from Additions to a fee free account with an overdraft. Please confirm why you requested the account be upgraded to Additions again. Please confirm why you took the Additions plus Please advise why you retained the upgrades. I originally took out the Additions account so I could have an overdraft. I knew I would always have
  7. Hi just wondering if anyone can explain what these interest charges mean. i have my old additions account bank statements from 2003. along with many other customers i have incurred penalty charges. the monthly interest amounts don't appear to stay the same, for example for Aug 06 = overdraft interest debited £0.60 credit interest 0.10%. if over the overdraft limit 2.05% another example Sept 08 overdraft interest debited £1.1 credit interest £0.54 how does this then compare with 24.9% if claiming restitution?
  8. 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.
  9. 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
  10. Hey there, i had this account sold to me 4 years ago. I hadn't opened a bank account in the UK for some years. I was not presented with a possibility of a free account at any time in the meeting. I have never once used any of the packages or so called perks. I complained to RBS they through it out, stating, "having previously lived in the UK i should have known that free accounts were possible to attain". I didn't. I then moved onto the Ombudsman, who have sided with the bank. How can I take this further, it is simply not fair! Any adv
  11. Hello all, Just had a claim form issued from an old Additions catologue from 2003, to reply to this claim, is it the same procedure as with credit card etc. send cca to lowells sar request to Additons the particulars of claim are as follows: the claimants claim is for the sum of 6485.24 being monies due from the defendant to the claimant under a home shopping agreement regulated by the consumer credit act 1974 between the defendant and shop direct finance company. under account ref xxxxxxxx and assigned to the claimant on 06/04/2011 notice of which has be
  12. My OH has been successful in reclaiming monthly fees plus interest but bank has refused to pay back any other charges, where the monthly fee amount affected some months being overdrawn and also additional charges added. They have also commented about going to FOS within six months. Is this correct or should she revert and disagree with their comments ? There are quite a few charges been added. Thanks
  13. Following a post made by DragonFly1967, I've added a list of common acronyms used on the forum that should help newbies and others. Hopefully we can post a link to this to save explaining abbreviations too often. http://www.consumeractiongroup.co.uk/forum/showthread.php?168275-Posting-in-this-Forum-please-read HB
  14. Hi everyone, I've been reading this forum for a while now and decided to tackle my fiancés old Barclays account which I recently found "Barclays Additions" and "Overdraft Protection" on. I've already got back her statements via a SAR. They date from July 1999 through to October 2007. Every month she paid £2.00 "Overdraft Protection" charge and from June 2000 though to October 2007 she paid an "Account Fee" which looks like the "Barclays Additions" fee. During the time she had the account open she used some of the overdraft and at times she went over it. She n
  15. Hello all I used to have an additions account which I closed several years ago. I have had my account since 1998 and in 2000 I had ODI added to the account. I can't remember whether the Additions was upgraded or applied around the same time as the ODI or whether I had it from the start?!? I am complaining about the ODI but want to see if I an get my Additions fees paid back also. How would you approach this? Should I request a SAR to see the account activity or is it too far back to even have a chance of getting them refunded? As mentioned I can't remember whether it was just up
  16. This thread has been started and will continue for the debt owing to Shop Direct - Additions Excel Spreadsheet:
  17. I've just witnessed something that has my blood boiling. My 60 year old mother went into Barclays to pay bills and she was given the hardest sell I've seen. Worse that a doorstep salesman. First they INSISTED she changed her savings account, then they called her irresponsible for not having a 'Funeral Insurance'.. . then they told her to cancel her house insurance as they're always cheaper. I was getting more and more annoyed.:mad2: Luckily my mother could stand her ground but they said they would phone her anyway, they even checked through her accounts to se
  18. 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 n
  19. 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 n
  20. Hi Guys, Was just wondering if anyone has had any dealings with Additions? How are they at accepting final settlements? Following on from the great advice received on this forum we are going through the process of managing our own DMP (currently with Payplan). Spoke with Additions today, who informed us that if we leave Payplan they will reapply interest at 39.9% APR. This is a bit of a pain as all our other creditors have raised no concerns and agreed to keep interest frozen. As of today we owe them £480. I have just filled out a SAR as they added a load of charges when w
  21. Hi All. A few yrs ago I successfully hit Barclays for a couple of grand in bank charges from ages ago, and have now only just realised that I have had PPI on my Barclays Additions current account since 2006. Bit miiffed really, as I thought I was good at avoiding things like that. I have no memory (or paperwork) of the events surrounding the change of my account from whatever it was before to the Additions Account, so I can't say for sure whether it was a mis-selling, but I know I certainly wouldn't have signed up to it if I din't think it was compulsory. I do have all the bank
  22. I have had an additions catalogue for years and years, last year due to my partner being made redundant I could no longer make the required repayments. I kept up the repayments for a couple of months (hoping that a new job would be found) but then contacted all my creditors and advised them of the situation. They were all pretty understanding and I asked for help from one of the debt management companies, unfortunately due to their huge workload it was going to be several months before I could get an appointment - I again told all my creditors of this, gave them my reference number and told
  23. Hi, I requested a CCA on behalf of my mother from Very which they sent me this morning, I will post copies shortly, the CCA has no address info no signatures and no limits, also the accompanying letter states the account was opened May 2006, as far as I can find Very opened in 2009 - so unless my mother is a Soothsayer and predicted Very would start a business in 3 years times this must be extremely ropey.
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