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emotionaltrout

need some advice

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Hi everyone

 

My first post here as I need some advice because I'm confused.

 

Obviously, banking with Barclays. I have the reserve service on my account which is set to £150.

 

Now the thing is I have banked with them for about 16 years now and they still refuse to give me an overdraft.

 

Every month I am using the whole reserve fee and going over which is costing me huge amounts of money in charges.

 

If i had an overdraft I wouldn't need to be hitting my reserve limit thus saving money from not paying charges. It just seems to me that Barclays are just refusing me an overdraft so they can cash in on the reserve limit charges :(

 

Is there anything I can do??

 

Many thanks in advanced

 

Andy

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Hi EmotionalTrout (wicked name ;)) and welcome to CAG.

 

Why would they want to give you an OD - they're doing very nicely out of you just now. :mad:

 

Have you been into your branch to see if they'll agree to an OD to help you out of this cycle of charges. Make an appointment but don't be surprised if they don't agree to the OD.

 

You could try changing to another bank by opening a basic a/c. Leave the charges behind with Barclays and reclaim them.

 

The other option is to reclaim all the charges if you consider yourself to be in Financial Hardship. If you got these repaid, this could get you out of the cycle so you stay within your Reserve Limit and avoid Fees in the future.

 

Read the Reclaiming Guide at Link No1 in my signature below. Also read here about Financial Hardship claims - The Consumer Forums - Bank charges templates (consumer)


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Hi Slick and thanks for the prompt reply.

 

Unfortunantly I have spoken to the bank on numerous occasions regarding an O/D but the credit check comes back as a big fat slap in the face :mad:

 

I don't consider myself in financial hardship so not sure if I could go down that route.

 

What I might do is send a letter for the charges list and go from there.

 

Regards

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Noted.

 

I just wonder if a visit to talk to a person across the desk may be more successful than a chat with a customer call centre.

 

See here for useful letters including the SAR - The Consumer Forums - Bank charges templates (consumer) :)


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I would agree that talking to someone in a branch would be more helpful than talking to the call centre who aren't intellectually capable of going 'off script'.

 

They did exactly the same with my ex when we split and refused him any help at all, preferring to just claim all those lovely charges, knowing that his situation would result in more and more charges being slapped on.

 

He's opened a basic free bank account now and I'm trying to close down all my accounts with Barclays, but with little success yet.

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Hi AMWE,

 

If you want to discuss your case with Barclays further, please feel free to start a thread here using the NEW THREAD button.

 

:)


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Hi thanks for the suggestions - I will just as soon as I've calmed down enough to stop ranting after my latest run in with customer services....

 

The CS girl told me "Madam is getting sarcastic and there's no need for that" :grin: Oh REALLY??? Isn't there?

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