Barclays Additions Overdraft

[waterminx]

Hi

Am aware of the CCA and SAR routines regarding Credit Cards but I also have an overdraft and Barclay loan with Barclays which is in trouble and am not sure if the same rules apply.

 

I sent a Credit Agreement request letter to Barclays re the Additions account I have - which has an overdraft on it - and my B/loan.

 

They havent responded to anything regarding the Additions account. They merely continue to send 'red' letters and ignore my correspondence completely. Now they are calling - regularly.

 

As far as the b/loan is concerned they responded with a printed copy agreement -I took the loan out in March 08 over the phone so there was nothing signed. I am alittle aggrieved at the selling of this loan to me - I was clearly in trouble even then but they offered it to me when I asked for an increase in my overdraft. They wouldnt give me an extra 1k on my o/d but they offered me a 4k loan instead.

 

I digress.

 

I have also sent an SAR to them for both but dont have great expectations, frankly.

 

So - questions are:

 

1) Are bank accounts covered by the same rules as CCA's? Did I do the right thing?- are my accounts now in dispute in the same way as a credit card?

2) Do I follow the 'Dispute' route now???

 

or is it all something different completely?

 

Getting there, slowly....

 

Minx

[IdaInFife]

bank accounts are not covered by cca.

 

you can contimue down the reclaim charges route

 

ida x

[waterminx]

ok - I understand that CCA doesnt apply - I am aware of that - but surely there should be some written, signed agreement wrt my repaying an overdraft - and a barclay loan?

 

After all - the b'loan side responded with an unsigned print out of t'c and c's.

 

Also - are they not obliged to respond to my SAR? Or at least return the bloody money?

 

Will surely go down the charges route asap.

 

Thanks

minx

[IdaInFife]

no signed agreement, would just be added to terms and conditons of the bank account.

 

yes they have to respond to your sar, when did they receive it?

 

ida x

[waterminx]

Ah yes - that makes sense.

I am peeved with them mightily because I contacted THEM in January advising them of my difficulty. Since then, with the exception of noting my new address, they have chosen to ignore the content of EVERY letter I have sent them since (8 or more).

 

They have simply sent me their bog standard demand letters, statements etc, refused to freeze my account in terms of charges and interest, and now are hounding me daily by phone! All the time they those bloody OFT letters telling me 'Dont ignore the problem' and 'Contact the organisation you owe money to'.... aaaarrrrggghhh. Wheres the bit that tells THEM not to ignore US???

 

Sorry, its just driven me up the wall!

 

So - SAR sent on 9th and delivered on 13th July. So times up next monday by my reckoning.

 

Cheers for any help!

 

Minx