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Barclays Additions Account Charges


Smegnoguk
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Last year I noticed Barclays had changed my wife’s account to an “Additions” account at a cost to my wife of £7.50 per month (rising to £9.50 per month in 2005). For this charge she received the following “benefits”:

 

§ An overdraft facility (which she already had on her old account)

 

§ Breakdown Cover (which she already had with the AA)

 

§ Legal Helpline including a Will writing service (which she already had through her professional association)

 

§ Family Benefits (which she already had through our life assurance arrangements)

 

§ Accidental death cover (which she also already had through our life assurance arrangements)

 

My wife knew nothing about this. So we wrote to them and asked why my wife had been “sold” a range of financial services products without her full knowledge and without conducting a fact-find to ascertain whether she already had cover in the above areas. They replied to say that the account was set up in 1998 and my wife must have known about it but they had no paper evidence. They dismissed the claim.

 

So we wrote back to them and explained that in 1998 my wife already had an overdraft facility, she had £40,815 of accidental death cover through our life assurance policies, she had legal assistance through her professional association the (her union) and a Will already in place signed on 18th September 1995 and provided free of charge by her professional association and said I could see no justification for making a charge for benefits she already had and didn’t need to be duplicated. We also stated “since you are unable to substantiate my claim that the product was added to my account without my knowledge.....I believe that, in law, it is incumbent upon you to substantiate your reasons for making changes to my account.” They have just refunded £572.50 in Additions account bank charges including interest over the last 6 years.

 

There must be thousands upon thousand of people paying Barclays £10 to £12 per month for benefits that are worthless i.e. worthless in the sense that they probably already have them from other sources. No wonder their profits are so huge! :x

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Good for you. An excellent story and I am sure that you are right.

 

I have an account which includes free travel insurance. Yet last year when I called to reserve some currency, I was called back by the bank which them proceeded to try and sell me some travel insurance.

 

Needless to say they had a conversation with me which they found unpleasant and which they are unlikely to forget.

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I've just done exactly the same thing, my account was upgraded without my approval and after a letter of complaint they refunded £350 of Additions charges. These premium accounts are yet another banking [problem], £10 a month for an interest free £250 overdraft. What's that? 50% APR - brilliant!!

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The letter arrived from Barclays today confirming the refund of charges going back over the last 7.25 years (curiously) but no interest was added. Since, they have refunded more than the 6 years I asked for, should I be content or should I now go for the interest? I find this very strange. I used to work in financial services and once a claim had been agreed we would automatically have done the job right and added interest at bank base rates without having to be asked. :?

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would you be able to post a copy of the letter you sent to them outlining your case for the return of the charges as im in a similiar situation where i do not recall any communication from them and they ' upgraded ' my account to include an overdraft i already had with 'benefits' i already had and did not need.

 

Many thanks!

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  • 3 years later...
Last year I noticed Barclays had changed my wife’s account to an “Additions” account at a cost to my wife of £7.50 per month (rising to £9.50 per month in 2005). For this charge she received the following “benefits”:

 

§ An overdraft facility (which she already had on her old account)

 

§ Breakdown Cover (which she already had with the AA)

 

§ Legal Helpline including a Will writing service (which she already had through her professional association)

 

§ Family Benefits (which she already had through our life assurance arrangements)

 

 

§ Accidental death cover (which she also already had through our life assurance arrangements)

 

My wife knew nothing about this. So we wrote to them and asked why my wife had been “sold” a range of financial services products without her full knowledge and without conducting a fact-find to ascertain whether she already had cover in the above areas. They replied to say that the account was set up in 1998 and my wife must have known about it but they had no paper evidence. They dismissed the claim.

 

So we wrote back to them and explained that in 1998 my wife already had an overdraft facility, she had £40,815 of accidental death cover through our life assurance policies, she had legal assistance through her professional association the (her union) and a Will already in place signed on 18th September 1995 and provided free of charge by her professional association and said I could see no justification for making a charge for benefits she already had and didn’t need to be duplicated. We also stated “since you are unable to substantiate my claim that the product was added to my account without my knowledge.....I believe that, in law, it is incumbent upon you to substantiate your reasons for making changes to my account.” They have just refunded £572.50 in Additions account bank charges including interest over the last 6 years.

 

There must be thousands upon thousand of people paying Barclays £10 to £12 per month for benefits that are worthless i.e. worthless in the sense that they probably already have them from other sources. No wonder their profits are so huge! :x

 

 

 

Hi there,

 

Could you send me a copy of your letter ? i have also been trying to claim back the Additions account charges, they have refunded me £138 which was for 1 year but I have been with them about 8 years ! I have spoke to them on the telephone & sent letters but they keep telling me to go to the FOS which is no help at all ! I would appreciate any help with regards to this matter - Thank you

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Hi Roxygirl and welcome to CAG.

 

When you get a response from Smegnog, please start your own thread here in the Barclays forum so peeps can comment or help you as necessary.

We could do with some help from you

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Hi Smegnog,

 

Did you have anything from them in writing confirming exactly what they were going to refund.

 

I'd write back to them and say:-

 

You have had the benefit of my money over the period concerned and will have profitted from it.

 

You should therefore acknowledge this and pay the equivalent of 8% s.69 Statutory Interest with reference to the dates of each monthly deduction.

 

Failing this, I shall seek compound interest in restitution at contractual rates through the county court. This will cost you considerably more in interest and in court fees and costs.

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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  • 9 years later...

This topic was closed on 03/06/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

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