Can Barclays Get Nasty?

[katielshaw]

JUST WANNA SAY TO EVERYONE MEGA THANKS YOUR THREADS HAVE GIVEN ME CONFIDENCE AND I SENT MY FIRST 2 LETTERS TODAY, AM GEARING UP TO TACKLE MY CURRENT ACCOUTN WITH BARCLAYS BUT NEED A QUESTION ANSWERING - I HAVE A GRADUATE LOAN WITH THEM WHICH I HAVE MANAGED QUITE SUCCESSFULLY SO FAR, IE NO CHARGES. HOWEVER FOR ALL MY TIME AT UNIVERSITY WHEN I COULDNT EVEN AFFORD TO EAT THEY WERE HITTING ME WITH CHARGES LEFT RIGHT AND CENTRE. ONE DIRECT DEBIT TOOK ME £5 OVER MY LIMIT, FOR WHICH BARCLAYS CHARGED ME £30 TO BOUNCE, AND THEN £30 FOR THE CHARGE OF GOING OVER THE LIMIT! THEY ARE THIEVES AND I SO DESPERATLY WANT TO GET THEM, I DONT CARE IF THEY SHUT MY CURRENT AC DOWN, BUT COULD THEY ALSO SHUT MY LOAN DOWN AND DEMAND REPAYMENT FOR THAT . . . . . ANY ADVISE WOULD BE FAB KEEP UP THE GOOD WORK EVERYONE X

next directory - sent dpa, chasing £500 charges

hitatchi capital bank - sent dpa, chasing £750 charges

BARCLAYS - estimated £1500

[Michael Browne]

Your loan is a separate agreement to your bank a/c and shouldn't be affected by a claim, unless your are in arrears on the loan which from what you say isnot the case.

[jotty]

I sent off my Data Protection Act request a week ago, today they have snatched my debit card and also cancelled all direct debits and standing orders without notice so yes they can get nasty.

I have set up a parachute account which I will change to.

 

Quick question I have asked my employers to pay me by cheque whilst things sort out, can I cash this cheque over the counter of the bank or do I have to use one of those dodgy cheque cashing services.

 

Gaz more determined than ever now !!

[blueskies]

You should be able to pay the cheque into your parachute account. You probably won't be able to cash it at a bank as most cheques are crossed which means you can only pay them into an account. I would steer very clear of the dodgy cheque cashing companies if at all possible.

 

Barclays don't normally get nasty but there are some exceptions.

[lickthewallfatboy]

closing your account for asking for all the information they hold on you?

 

Sounds like cause for court action on its own.....did they give you any reason for taking this action?Has your account been run broadly well?

[jotty]

I have questioned various fees prior to this site and recently went over my o/d limit which most probably didnt like. They have never informed me or even issued a warning about this, if they had then I would have perhaps done things differently. I rang the usual robot in the call centre but he offered no help at all aprt from offering a short term loan.

My message was just to advise that they seem to be doing things and then asking later in order to protect their interests. May be me being paranoid but things only happened after I mentioned recouping charges.