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stupot59

Barclays Treatment of a Poor Student

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I have just completed my 1st year at UNI and have returned home on vacation to find a plethora of unopened letters from Barclays concerning my account.

 

About a year ago I had a problem with a Direct Debit which was bounced and the consequential charge took me in excess of my approved overdraft. At that time and completely unbeknown to me, Barclays wrote and "offered" me their so-called Overdraft Reserve facility, which if I had known about, would have opted out of, toute de suite !

 

Charges for utilising this unwanted facility have accumulated over the year, culminating in a huge amount of overdrawn balance, (in excess of £1,000)...the result only of these charges !!

 

I am particularly pee-ed off as if Barclays had taken more trouble to contact me this could have been sorted from the outset.

 

I am interested in hearing the forum's opinions of my first step in getting these charges wiped off to the point where I can close the account and move on with my education.

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I have just completed my 1st year at UNI and have returned home on vacation to find a plethora of unopened letters from Barclays concerning my account.

 

About a year ago I had a problem with a Direct Debit which was bounced and the consequential charge took me in excess of my approved overdraft. At that time and completely unbeknown to me, Barclays wrote and "offered" me their so-called Overdraft Reserve facility, which if I had known about, would have opted out of, toute de suite !

 

Charges for utilising this unwanted facility have accumulated over the year, culminating in a huge amount of overdrawn balance, (in excess of £1,000)...the result only of these charges !!

 

I am particularly pee-ed off as if Barclays had taken more trouble to contact me this could have been sorted from the outset.

 

I am interested in hearing the forum's opinions of my first step in getting these charges wiped off to the point where I can close the account and move on with my education.

 

I would state to Barclays that your address that your letters go to is your home address and not your term time address. Explain you are a student and ask them to refund the charges on the basis your address is different being a student and the fact you are a student.


.

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

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Hi Stupot,

 

I assume you are running another bank a/c as well.

 

Don't pay any money into the Barclays a/c as you may find the funds frozen because of the overdraft.

 

If you don't yet have another a/c, I suggest you open one elsewhere asap, to avoid any Barclays pooing on you from a great height.

Edited by slick132
clarification

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Thanks Slick...I have already opened another account which I am using to manage my meagre funds...Barclays have already placed a complete stop on all activity and sent a "demand" for all outstanding monies owing. I have sent them the following message as the opening salvo...

 

I am in receipt of your letter dated 10th August 2009.

 

Kindly note that the alleged amount outstanding appears to result from charges made under your so-called “Reserve,” i.e. reserve usage fees.

 

Firstly, I never asked for this facility and owing to the fact that I am a student studying away from home was not aware of its existence. I have never received any notification of the “Reserve” facility being added to my account as, if I had, would have opted out immediately !!

 

Being a student at University I am not a salary earner and the continuous addition of charges to this account was in my view daft in the extreme and in my view, totally unacceptable. These charges and the balance on the account are now, to all intents and purposes, under dispute and therefore you are not entitled to add any further charges and/or place my details with a Credit Reference Agency.

 

With the above in mind, I will be grateful if you can kindly arrange to refund the account with all charges imposed since the start of the “Reserve” facility.

 

Note well that I reserve my right to claim back any other charges levied on this account since its inception.

 

I am sure that this matter can be satisfactorily resolved without need for me to take further action against Barclays Bank PLC

 

I look forward to receiving your positive reply in due course.

 

Yours sincerely,

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Hi Stupot,

 

The letter looks fine although B's will, no doubt, respond negatively.

 

If they issue proceedings to recover the "debt", you have goods grounds to defend against their claim. :)


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After hearing nothing from Barclays since August they have written to me saying that they have sold the debt to a DCA..

 

Anybody have any ideas on how I can deal with this ?

 

I need some good, quick advice as I am swamped with work at Uni right now...

 

Thanks

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Have they said when the debt was sold on to the DCA.

 

Is it before or after you letter.

 

Have you heard from the DCA yet.

 

When you do, you can simply tell them the Reserve Fees are in dispute and you await Barclays reply to your letter of xxdate.

 

Accordingly, they must refrain from taking any collection activity. Any such action is a breach of the OFT Debt Collection Guidelines and will be reported to the FOS for investigation.

 

The other thing you should do is put together a SOC (Schedule of Charges) to send to Barclays seeking a refund of their charges and any resultant interest.

 

See the Reclaiming Guide at Link No1 in my signature. :)


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Thanks Slick132...and apologies for not getting back sooner, just been completing some difficult assignments and exams....

 

Right....They have said in their letter that "Your Barclays Bank plc Account has been transferred to RMA" ..and for me to contact them as a matter of urgency. Barclays also say that "We will no longer accept any further communication from you."

 

Their letter is dated well after the one I have sent to them and to which they have not replied. I am now putting together a schedule of charges with which to seek a refund, as you suggest.

 

Should I still be dealing with only Barclays or RMA ?

 

Stop Press !!!..This morning just received a subsequent letter from Barclays requesting me to contact them so that they can "help" me.....I'm a bit confused by this...I thought they had passed this matter over to RMA. Any comments ?

 

Stupot59

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Hi Stupot,

 

Don't bother calling Barclays. The only one they will try and "help" is themselves.

 

As you've rec'd no reply from Barclays to your complaint in August, send them a reminder and tell them, if they do not reply within 14 days, you will make a formal complaint to the FOS, about their multiple breaches of the OFT Guidelines on Debt Collection.

 

Have you received a Notice of Assignment from B's to confirm that the debt was sold to RMA.

 

Or or RMA writing on behalf of "their client", Barclays.

 

If you hear from RMA by phone, refuse to talk to them.

 

If the write to you, reply saying the a/c is in serious dispute with B's concerning default charges. If they write to you again, you'll report them to the FOS for breach of the OFT Debt Coll'n Guidelines. :)


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It looks like RMA are writing on behalf of "their client," Barclays..

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So the debt has not been sold at all.

 

Write to Barclays as I suggest, and follow up promptly with a complaint to the FOS if no response after 14 days.

 

Tell RMA, politely, to go take a hike !!

 

:)


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Thanks Slick132...and apologies for not getting back sooner, just been completing some difficult assignments and exams....

 

Right....They have said in their letter that "Your Barclays Bank plc Account has been transferred to RMA" ..and for me to contact them as a matter of urgency. Barclays also say that "We will no longer accept any further communication from you."

 

Their letter is dated well after the one I have sent to them and to which they have not replied. I am now putting together a schedule of charges with which to seek a refund, as you suggest.

 

Should I still be dealing with only Barclays or RMA ?

 

Stop Press !!!..This morning just received a subsequent letter from Barclays requesting me to contact them so that they can "help" me.....I'm a bit confused by this...I thought they had passed this matter over to RMA. Any comments ?

 

Stupot59

 

 

Just to add my input my Barclays acct (with charges) was passed to RMA.RMA work on behalf of barclays but are bullying muppets who will hassle you for unrealistic payments to clear any outstanding amount.They are only after as much money as they can get.Follow the excellent advice on here,never speak on the phone and send them acct in dispute letter.If they continue to keep calling or threaten a doorstep visit (which never happens ) send em a letter saying in writing only and no visits welcome..they will soon sod off when they work out you know the law..

By the way my acct has been passed to four DCA's the current turds are Wescott,told them acct in dispute because of charges..they said well the banks have won the court case..yes I said but there is still a possibility of a further challenge plus I want a letter from Barclays telling me what they are doing with my claim..they then put the phone down :D ..like i said muppets just don't let them take control..

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