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    • Hi,  Here's my draft and please feel free to give me suggestion: ========== Dear Sir/Madam, TFL case number: **** I would like to thank TFL for providing me the opportunity to explain my behaviour. I realised the stupidity of what I have done and wish to seek a resolution to this matter. I have no valid excuse for this action and I am extremely sorry and deeply regret my action. I hope you will accept my sincere apologies. Nothing can justify my action. I am aware that TFL are only able to operate if everyone pays their fare correctly and I feel so guilty about attempting to breach public trust. This has caused me sleepness nights and raised my anxieties. I have history of anxiety. This has been a hard lesson learnt. I have never been in trouble with the law in the past and I ensure that I won’t be in the future. I am and will be using my oyster card (PAYG). I would like to humbly appeal to TFL to allow me to settle this matter out of court and avoid going to prosecution given the adverse consequences it can have on me and my family. I am very concerned that prosecution for the first time and I would like to make restitution for my action. Having a criminal offense on my record will have detrimental consequences on me. I have always been a law abiding person and have no previous offences.     I would really appreciate if I can be given the opportunity to pay for any unpaid fares plus any charges and/or administrative cost which have been incurred by TFL due to this incident. I am sincerely remorseful and ashamed of myself, and I fully appreciate the severity and stupidity of my transgressions. Again, I would like to offer my sincerest apologies. Yours Faithfully, My Name -----------------------------  
    • My wife dropped my daughter off at a kids party space on a trading estate and didn't think to look for signs as she parked outside the establishment. We got a £60 (reduced early payment) fine. Although now the signs are to be seen its a lot of money is this something we must now pay? Attached is the notice and the signs. Looks obvious now but when you are driving to a party warehouse on a trading estate and looking for the place itself its easy to miss this and especially when it seems logical to park there and walk in. My wife was there for 30 minutes. Thanks in advance Sam          A4.pdf
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Barclays Reserve Usage Fee


ianlufc
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Hi

 

I recently got charged 3 x £22 for using my reserve amount. I have an overdraft of £1500 and a reserve of £150. I was suprised that i was in my reserve amount as I am usually careful with my money. I got sent a letter saying I would be charged for using my reserve amount. I was only about £1.50 over my limit and I was unaware that i had gone over the limit as a payment id made in HMV took about a week to go through when i thought it would go through within a few days.

 

I was over the reserve limit for around 10 days and paid money into my account a few days after I relaised. I think charging somebody £66 for going a measely £1.50 over my overdraft limit is hugely disproportionate. If i had known i would be charged (although its allegedly a service) the same amount for being £1.50 over my overdraft limit as if i went £100 over my overdraft I would have opted out if I knew that I could

 

I am also a Post Graduate student doing a Masters Course and as I live at home I wasn't eligible for a student grant or loan. I was also unsuccesful with a university studentship which could have paid my fees etc. Therefore I was relying on my overdraft to fund me for the next year. I had a part time job for 2 months before Christmas which helped but due a lack of jobs in the retail area since christmas and in general I have found finding a part time job hard. Therefore I am replying on my overdraft again and

 

Anybody else trying to claim back charges for using the reserve amount? I am thinking of trying to claim it back as a matter of principle. £66 isnt a huge amount compared to some of the cases ive read on here but being charged nearly 40 times the amount I went over my limit is just not on.

 

Cheers

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Hi Ian,

 

If you look at threads here in the Barclays forum, you'll see many refer to the Reserve system and associated charges.

 

Of course, the charges ARE disproportionate but B's will say they made the new system very clear to all customers through publicity and personal letters, etc.

 

Opting out is not always suitable - if you do this, they may decide that you can no longer have the overdraft.

 

Wait a while, to see if you get any more charges. Also, you could ask B's if you can opt out of the Reserve system and keep your overdraft.

 

Keep an eye on Bookworm's thread - http://www.consumeractiongroup.co.uk/forum/barclays-bank/181529-right-war-bookie-barclays.html

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Noted, but make sure they're not going to remove the o/d as a consequence of you opting out.

 

:)

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