Barclays charge me £8.00 for £1.50

[littlefatbudha]

Just received letter from Barclays through post,for a charge of £8.00 for a failed guaranteed payment of £1.50.

I have not got an overdraft,well i used to with the Woolwich but that disappeared when the account when to Barclays.

Any phoned up and complained to India,was told the charge was "just" and it was my fault,after a while,she told me she would launch a complaint Reguarding the issue,they will reply within 5 working days,by letter or phone,is there anything i can do about this matter,thanks.Steve

[cerberusalert]

Not really, it'll be in the T&Cs of the a/c, I know it is with both of my a/cs with different banks.

 

You may be lucky though, sometimes as a 'goodwill gesture' they'll refund it if it is a 'first offence'.

[MARTIN3030]

Thread moved here.

I know its of no consolation but imagine having this account a couple of years ago-you would have been charged £27.50-dont I know it I had 2 grands worth of them !!

[Bookworm]

Not really, it'll be in the T&Cs of the a/c, I know it is with both of my a/cs with different banks..

Awww, come on, Cerberus, you of all people should know that what is written down is only as valid as the law which governs it!!!

 

The £8 is Barclays' way to try and skirt around the charges issue and the test case. The whole concept is called the "Reserve" and if you read about it around the Barclays forum, you'll soon see what it's all about.

 

Some people are challenging the Reserve fee (£22 for every 5 days you're over), but I am not aware of anyone having challenged the £8 fee if you are over the limit on a non-reserve account yet. My gut feeling is that it is still unfair under the UTCCR, especially if they took away your o/draft and signed you up to the new account without giving you a chance to accept or refuse.

[littlefatbudha]

Thanks for your answer,i hate this bas$%%$ and want to get everything,that i can claim for,i hope that when these charges are found illegal, every body will be after these,with guns blazing.

I telling everybody i know about this site,and that they should make a donation and all the information they need is all here.

Lets go get'em

[littlefatbudha]

Oh,forgot to mention,after i had finished moaning about the charges,etc,etc, the woman on the phone starting trying to sell me home insurance,these people are like robots.

 

What are the chances of anyone wanting to buy barclays isurance,after being on the phone complaining about,their customer services etc.

 

I can imagine the answer you would get from them if you wanted to claim on their insurance,probably and the difficulties. IDIOTS

[yourbank]

Oh,forgot to mention,after i had finished moaning about the charges,etc,etc, the woman on the phone starting trying to sell me home insurance,these people are like robots.

 

What are the chances of anyone wanting to buy barclays isurance,after being on the phone complaining about,their customer services etc.

 

I can imagine the answer you would get from them if you wanted to claim on their insurance,probably and the difficulties. IDIOTS

 

Pity you didn't ask whether they had a free legal advice line with the home insurance

[cerberusalert]

Awww, come on, Cerberus, you of all people should know that what is written down is only as valid as the law which governs it!!!

 

I know that Bookworm & had the charges been more I would have advised differently, but with it being £8 and the time and cost involved challenging it, would it be worthwhile in this instance?

[littlefatbudha]

Hi there, sent SAR to Barclays on Saturday, time to get some charges back, will they deal with the Woolwich charges as well as i was a Woolwich customer originally untill Barclays took over our account,thanks.Steve

[cerberusalert]

The SAR covers all the data they hold on you as a person and should include all your a/cs you have with them, but no doubt you will have to write and remind them if they fail to provide it all.

[littlefatbudha]

Thanks for your reply, going back to the £8 charges would i also go for them aswell ??

I take it by your answer they dont like giving the information out that easily !!

[slick132]

Bookie suggested you SHOULD go for them in post #4 above.

 

[MARTIN3030]

Thanks for your reply, going back to the £8 charges would i also go for them aswell ??

I take it by your answer they dont like giving the information out that easily !!

 

 

When it comes to giving out information-Barclays will only give you what they think you should have.

Lets just say they are not over generous with it either.

[littlefatbudha]

OK thanks, i was originally a woolwich customer, and i used to have a £50 overdraft just to cover a direct debit or cheque, but when Barclays took over,i lost my overdraft, never got a reason or any letter etc regarding it.Steve

[Rhinoagainstcharges]

May be a longshot but do you still have any correspondence from when it was a Woolwich account advising you of the £50 overdraft limit. If you could produce that then with no correspondence cancelling it they would surely have to refund you as you were within your notified limit. This may not work if there is an expiry date to the limit but just an idea you may like to try.

[littlefatbudha]

Thanks Rhino, have been looking high and low, its one of those where you have seen some paperwork but cant remember where !

Will keep looking thanks for the reply, Steve

[littlefatbudha]

Hi guys, i think i sent the SAR request to the wrong address,Barclays Data Protection, Radbroke Hall, Knutsford, if it is wrong ,i wonder if they will internally post ??????????????????

[slick132]

It should be re-directed if necessary.

 

Was it sent by Rec'd Del'y or similar.

[littlefatbudha]

Hi slick, thanks for the reply, it was sent special delivery on 8th August, i rang the post office resterday and the £10 postal order has not been banked yet, also left the postal order blank so they could put details on it.

[beachcomber60]

They stung me £35 a few months ago because I was £2.75 short of a direct debit on my business account, which was caused by one of my customers not paying on time.

 

Havent challenged it (yet) as I crossed swords with them last year when they tried to close my business account which I had to fight like hell to get them to change their minds, so dont want to rock the boat with them as its now impossible to get a new business account elsewhere, and believe me I've tried.

 

Beachy.

[slick132]

Watch out for confirmation that the PO's been encashed.

 

As the letter went RMSD, you have proof of posting which is adequate just now. See what comes back in response.

[littlefatbudha]

Thanks Slick, have just given the post office a bell, stil not cashed, will leave it for a few days and try again.Thanks.

[littlefatbudha]

Hi all, sent my SAR of to Barclays on 8th August and they have not cashed the P.O yet , is this usuall with them or will they say they have not received, also i had two barclaycards with them, will they have to send all the information regarding these accounts as well, thankyou.Steve

[slick132]

Hi LFB,

 

Not sure how long they normally take to cash the PO.

 

Was the letter enclosing it sent by Rec'd Del'y and does this show as having been delivered.

 

Yes, the SAR covers all data held by the bank concerning you. As BC are officially "Barclays Bank PLC t/a Barclaycard", the SAR response should include any BC data.

 

You could pre-empt delays by writing to Barclays reminding them they have xx number of days to reply to the SAR and that you trust they'll ensure they provide BC data for the following two a/c nos.

[littlefatbudha]

Hi Slick, yes this was sent by special delivery on 8th August and signed for on the 10th August, thankyou for the reply, and i take it they will send all the woolwich information aswell.

Just one more thing is it 40 days from when they receive the request.Thanks.Steve