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Manual Intervention ?? Help Please


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Hi,

 

Am about to send my DPA letters to Barclays, but need some help with the manual intervention section of the letter.

 

I hold 3 accounts with Barclays Bank. Problem is I have £670 o/d one on, a £500 o/d on the other and haven't got o/d on my 3rd a/c but have dipped in to the 'pot' and been charged for that a few times. I live in the o/d's every month for about 3 weeks out the month.

 

My account was just beyond its overdraft limit of £670 when instead of refusing to pay my loan that was due, they paid and charged me £30 x 2, then actually moved £215.42 of my money from my 3rd a/c (as I was in credit with my 3rd a/c at the time) to level off my o/d to £700, even though that just happened to be £30 short of my o/d limit.........guess what.......charged £30 again then they let more payments go through?? !! Has anyone else heard of this before??

 

Comments appreciated....thanks :)

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Unfortunately they are allowed to move money between your accounts according to the Ts&Cs. Letting payments through is just a money-making scheme, allowing them to apply further charges and interest, resulting in further charges and interest next month and so on ad infinitum.

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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Just send the standard version of the letter - leave in the manual intervention stuff - and send the payment with the letter - it only takes one letter and one cheque for all accounts under one name, just list all the account numbers at the top.

 

The movement of funds between accounts is manual intervention, but not connected with the charges reclaim, so don't worry about it. ;)

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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