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    • as he informed them within 14 days he is entitled for everything to be refunded and everything cancelled.   is he doing this or keeping some of the order?   dx  
    • Thank you for your detailed reply.   i only contacted an installer, they didn’t come out to the property. They said that they could see from the online epc that it already had insulation.   yes we have the original epc, printed out from on line and I also have the original marketing brochure given to us by the estate agent with the epc also printed on it.   i will have a look at the link you posted. The assessor amended the epc tonight whilst I was talking to him and emailed me across the new one. I will check to see if this is now also online and overwritten the previous one.   the bungalow was built in 1988 going by the deeds.   the building society did a standard home buyers survey. I will see if I have the report.   what do you think.   the company is called cc - ltd which stands for complete certification ltd and is local to the estate agent. The date of the incorrect epc ties in with it being carried out when the bungalow was put on the market. The assessor is on their website as being a director 😱   I have put the new epc reference in the link as you suggested and the new epc that he amended tonight is already live and updates on the register.   I think I have all the evidence that there is to get tbh and with his own admission that a mistake was made would that not be enough for a good strong case ?   I have put the new epc reference in the link as you suggested and the new epc that he amended tonight is already live and updates on the register.   I think I have all the evidence that there is to get tbh and with his own admission that a mistake was made would that not be enough for a good strong case ?
    • Does your hot water run off solar panels? 
    • Hi   You mention you got a cavity installer out to to redo the walls and they stated they couldn't do it as you already had the cavity insulation. Do you have a written report from this company that states there is cavity installation?   Then you contacted the EPC Assessor directly and they stated an error had been made as none had been done. I assume you have a copy of the original EPC so I would (if you are in England or Wales) have a look at this link and enter certificate reference number to see if this EPC Assessor has actually amemded it to state none: https://www.epcregister.com/searchReport.html   I can understand your furstration but IMO with the EPC if you have a copy of the original and the Assessor has stated the error and they will amend the certificate IMO I would wait till the Assessor has amended/updated the EPC error (gives you more evidence of Maladministration by this Assessor)   Which Company was the Assessor employed by?   Ofgem link: https://www.ofgem.gov.uk/key-term-explained/energy-performance-certificate-epc   This link may help explain an EPC a bit better: https://energysavingtrust.org.uk/home-energy-efficiency/energy-performance-certificates   Do you know when the bungalow was actually built/how old it is?   When you were purchasing the property did you get employ your own surveyor to get a report on the property at all?   Their is going to be no fast resolution to this sadly but you need to gather evidence to be able to challenge the Estate Agent/Previous Property Owner.
    • My stepson took out credit with Klarna finance to the tune of £700 on the 3rd February   One of the parts ordered was a motherboard to go with some other pc parts that got delivered on the 10th February minus the motherboard.   He emailed ebuyer to be told a load of crap. there was an error on the system for that board and for some reason couldn't order another one so offered a refund. He argued that finance had already been agreed and £700 was paid to them so in effect they had the money for the board and it was saying that 10+ was available on their site.   After a couple of days and 7 enotes and a complaint on trust pilot it turns out they can't order a new board on the same account if one has already been ordered and failed it has to be refunded or paid for by another payment method.   they offered a refund or another board same price or cheaper but not the same one. he found one cheaper and asked for that - to be told he can't have it as it's coming from the same wharehouse. they wanted their technical team to advise on another board direct from they're shop but he said they don't have any that are 100% compatabile with what he bought to go with it.   he asked for a refund last thursday 13th February and chased this up on Monday 17th to be told it has been passed onto the refunds team and she will chase this up and will let him know when it's done.   Its friday 22nd now and still no news of a refund going back to Klarna and since all this they've been sending emails and even an invoice from ebuyer the other day for the full amount of the payment terms.   first payment comes out 18th March but Klarna said any issues with finance issues are dealt direct with Ebuyer.   How long do you think he should wait that would be considered unreasonable for a refund?
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Bookworm

To Reserve or not to Reserve, that is the question...

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So, after a bit of a discussion here about what do you get charged if you are opted-out, I phoned Barclays and a chap told me all. ;-)

 

To recap:

 

OPT-IN:

 

This is the default mode that was introduced back in the summer of 2008. Unless you told them otherwise, you were automatically opted-in. (If it comes as a surprise to anyone reading this, I suggest you check your account very quickly!)

 

The Reserve account works in 3 tiers:

 

You have your normal bank account limit/overdraft limit. Call it A.

Then you have your Reserve, which amount was set then. Let's say it's £100. Call it B.

Then you have the going over the Reserve space, call it C.

 

A charges: £0 + interest.

If you go into B, you get charged £22 for a 5 day usage period. If you are not back within A after the 5 days, you get charged another £22, and so on...

If you go into C, you get charged the B fee, PLUS £8 per transaction bounced or authorised, up to a maximum of 5 transactions a day.

 

OPT-OUT:

 

You read your paperwork, you want nothing to do with it, and you told them so, so you're now opted out.

Your 2 tier system works like this:

A: £0 + interest.

B is your unauthorised overdraft of before. The difference is you used to have an (unknown to you) threshold. Barclays would pay transactions up to that unknown level and bouce things after that. Now they will bounce everything and charge you £8 for it, unless they have to pay it (guaranteed cheque transactions, and of course their own charges!) for which they will also charge £8.

 

Are you confused yet? :-| Yes, this is Barclays version of transparency and clarity. :lol:

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They're trying to recover some of the money they couldn't get from me as a result of their non enforceable credit agreement :D


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That makes it as clear as mud .............

 

Ok I have an account with Barclays whish has an O/D limit on it when we get our statements the reserve shows as 0 ...... does this mean that we have opted out or that we havent but they havent given us a reserve .....

 

Fortunately or unfortunately we havent gone over out overdraft since this was brought in to test the reserve amount :rolleyes:

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That means you have a reserve of £0. Yes, I know.

 

Unless I am very much mistaken, that would mean that should you go over, you would get charged the £22 fee (B) + the £8 for going into C.

 

I suggest you opt out ASAP!!! :shock:

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I have a reserve of £200 on top of my overdraft, I went over it once for £15 and took the £30 charge £22+£8.

 

I called in to my branch with my April 2007 statement showing a 'credit' from Barclays Legal and Lit on it and the charge was refunded as a GOGW.

 

I haven't been over my reserve since, thank God, but I don't think they'll do it again. I may have to try soon though, three kids birthdays in two months and two of those 21st's :eek:


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Mr Lex, you can cancel the reserve. As Bookworm and myself have found out, if you go over any agreed limit the £22 does NOT apply. Think everyone should opt out cos it saves £22.


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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But this is where I am worried. WHY are Barclays doing this? Surely it's a no-brainer that as the word spreads, more and more people will opt out thereby saving themselves the £22 charge? Or are they really relying that much on people's inertia?

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I think that the initial misinformation, that may have flooded about could have caused this. It's definitely inertia and lack of information that is the cause. Had we not debated it on the other thread, we would be none the wiser.


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Ok, but in that case, wouldn't you agree that they are handing us the stick to beat them with to them reclaim those charges? I mean, transparency, PIL, no hidden charges etc... not to mention holding people to terms they haven't been made fully aware of and the different options.

 

It is typical that when I phoned this morning, the guy launched into the Reserve spiel and would not tell me about the opt-out charges, even though I asked him 3 times. I had to really insist and go back to that before he would tell me. :mad:

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Ok, but in that case, wouldn't you agree that they are handing us the stick to beat them with to them reclaim those charges? I mean, transparency, PIL, no hidden charges etc... not to mention holding people to terms they haven't been made fully aware of and the different options.

 

It is typical that when I phoned this morning, the guy launched into the Reserve spiel and would not tell me about the opt-out charges, even though I asked him 3 times. I had to really insist and go back to that before he would tell me. :mad:

 

That might be 'helpful banking'......oops wrong bank isn't it ;)


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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So, no charges if you opt out, but no invisible 'buffer' either? So how much do you get charged for going, say, five pounds over your OD because of their charges?

 

Don't get me started by the way, my charges took me NINETY pounds over my personal reserve - they took it all in one go - last Thursday, started getting calls from Barclays Saturday which I answered Monday, where they promptly took my Reserve off me.

 

Bookie - you've seen their defence to the Reserve charges - they've made no real changes as far as I can say other than the addition of a paragraph which just changes the dates (i.e. from mid August this is what we did).

 

My AQ is in in the morning, with a draft order for 14 days to produce their goods. I wonder what they'll turn up with.


TheKat1979 - Taking Control!

 

Taking on -

Barclaycard via HFO - daft application form sent

Barclays Current Account - at AQ stage - fingers crossed asked for Hardship

Egg - various issues! Are about to default me on a disputed debt!

Bryan Carter CCJ set aside - looks to have been set aside without a trip to court! WOO!

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So we go after them in the normal way - mind you I'm not sure what's normal anymore given the apparent lack of clarity surrounding the "charges are lawful/unlawful for some banks in some years". Still, suppose we still proceed on level of charges and go down the "show and tell" route?

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Barclays in their wisdom decided to transfer the OD on my business account and debit my current account with it due to them interpreting the account being dormant. I had a standing order in the business account and sent a new mandate for a lower amount. I was told (letter) that some accounts standing orders are not available so I left it at that. The account was in arrears by about 500 pounds at this point. To my surprise The buggers had been debiting my account with £35 each month for 6 months and adding interest, About £900 was debited to my current account, So a couple of times recently I have gone into my £150 reserve fee at £22 a time, can I claim for unfair charges even though the majority of the debt came from a business account

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I Had Overdraft Of 500 They Changed Account To Reserve I Never Received Letter Or Anything I Was 492 Over Charges Took Me To 501 The The Started Charging £22 Etc I Asked For It Back Said I Never Asked For Reserve Asked For Authority They Said There Wasnt One . I Said They Have No Authority To Change It And Told Them To Revert Back To Non Reserve . They Said I Had To Make Appt To Do That I Said If They Pay Me My Time Off Etc So Now Debt 1030 All Made Of These 22 Pound Charges They Have Had 3 Lots Of Debt Collectors After Me And I Now Found They Defaulted Me In Feb 2009 . The Debt And Their Charges Have Always Been In Default Surely They Are Breaking Banking Code As Sum "n Dispute " And Also Data Protection By Putting Default When In Dispute And Passing To Third Parties . How Can They Do All This And Get Away With It . Ive Had Letters And E Mails Never Answered They Ignore My Requests And Default Me

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Hi there- got a shock the other day as I phoned up to check a few things and found out I was not £2100 OD (on a £1700 OD). Can I opt out to stop these £22 charges accruing, then pay the difference off a bit at a time, or do I need to pay off the reserve then opt out? The polite lady at the call centre was somewhere just below useless when it came to info.


Natwest Credit Card- £850- WON!!!

Natwest Current Account- £380 (in 1 month!)- On Hold

Mint- £250- WON!!!

Egg- Still waiting on list of charges

CAP1- Still waiting on list of charges

HSBC current account- On hold

IF- waiting...

Barclaycard- £124 WON!!!

 

And now, using what I've learnt from you wonderful people, to CCA the lot of them! (well credit cards at least)

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Hi Peeps,

 

This Sticky is for general discussion about the Reserve Fees.

 

To discuss detail of individual cases, start your own threads in the Barclays forum.

 

Keasby - Opting out of the Reserve System should be done in writing if you decide the old charging system may be cheaper for your circumstances. You should be able to reclaim these old style charges as done before.

 

However, because Barclays don't want you to do this, they may withdraw any O/D facilities, meaning you'll get charged less, but more often.

 

KennyH - Reclaiming Reserve Fees is pretty much untested so far. In theory, they should be reclaimable now, regardless of the general Stay on claims, because they were introduced before the OFT case is over. Keep an eye on Bookies thread as her case is with the FOS now.

 

Another pointer is that Barclays have refunded Reserve Fees under the Hardship Rules, which they wouldn't do if they thought the fees would stand up to close scrutiny.

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well just found this by accident and i could be here all day on the subject of barclays. I didnt know anything about this reserve thing and had asked for it to be removed at least five times now and have been to it can not be removed. I found out about the whole thing when my joint account Which i use to pay my dads bills) went overdrawn by £20 for wait for half an hour!! this was because our local branch decided to change its opening hours without letting us know so when i went to pay in cash they were closed. By the time i got home and done an on line transfer i was over their cut off period so they classed the credit as the next day. Got the letter to tell me i owed £22 and i was irate rang them and they said tough i do not qualify for a refund its my own fault. It would have only cost me £8 to bounce the payment and as its coming to the end of its life anyway it wouldnt have bothered me if they had, i even said despite the fact it was their fault i was happy to pay the £8 but not the £22 fell on deaf ears.

 

It gets better though. I later had a sales guy in at work trying to get me to change to their business banking (as if) and he said if i moved my business account over i could have a designated account handler and that they would get the charges written off which just goes to show they can if they want to.

 

Needless to say i didnt take the business account and ended up paying the £22 charge but the reserves are still there even though i have asked for them to be removed.

 

The miracle of banks!!

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 3629 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

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