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shinobi101

Barclays overdraft

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I have an overdraft with Barclays (around £2800)

 

I have taken my business away from Barclays (in anger) because they let Barclaycard take a missed payment.

 

I have also moved.

 

Barclays will, of course, chase this overdraft (and 3 loans) but haven't started yet.

 

How do you start in dealing with an overdraft. Do you always have to pay them? Or can they be knocked back like some credit cards?

 

I can negotiate payment to a point, but don't want to give them anything I don't have to.

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You can send them a SAR for the current a/c, with what you receive back you'll be able to determine what unfair charges they have added over time which you can reclaim.

 

If you send the SAR state that you want information on all the a/cs they hold for you which includes credit cards. You will receive back copies of your agreements & then be able to determine whether they are enforceable or not.

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/576-subject-access-request-debt-a-dca


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