Still new to this

[francoe]

I posted something earlier but i feel it went in the wrong place & did not cover the whole story , although thanks for a reply.

My account was overdrawn @ 7/8/06 @ on this day i deposited a cheque for a considerable amount (this would more than cover everything mentioned here after), which by the way was issued from an account at the same branch, same sort code & same bank thus being barclays.

On the same day the cheque was banked, 9.30am 10 cheques were issued & posted, 1st class by me to various credit card & loan accounts to clear balances.

Obviously on the same day my overdraft was repaid apparently against my uncleared cheque.On the 8/8 3 direct debits were paid , still against my uncleared cheque.On the 9/8 a standing order was paid to barclayloan.Then on the 10/8 the cheques i had posted started to be presented , the first was to barclaycard which note was paid , the next 3 were then unpaid, then came 3 more all of which were to the same company, the first & third were paid but the second, unpaid & then one more unpaid.

Finally, same day, debit commission , the bank charges, to the tune of £175.00.

On the 11/8 the cheque i deposited apparently clears.Also this morning ,13/8, i receive a telephone call requesting a failed direct debit for a car payment , which has risen by £60.00 & i feel that this will not be the last of charges from 3rd parties.

Now although i understand claiming charges from the bank for failed payments,how do i go about collating & executing third party charges from the bank, as i feel that they have picked & choose to there benefit of what to pay.Hope this is understandable.

Can anybody steer me in the right direction.Thanks

[MARTIN3030]

You should read the faqs.

 

 

[PhantomReclaimer]

The way I see it is thst you have two possible options. If the third party charges have been incurred solely by the banks unreasonabe or unlawful actions then you have a claim against them for recovery of those chartes. However, the third party are no more entitled to make such charges then are the banks. The charges are unlawul regardless of who makes them.

 

P.

[MARTIN3030]

Yes that is correct.

[francoe]

Sent data request letter 22/08/06 received letter from townsend 26/8/06 saying under no obligation blah returned my cheque & said woud send statemens this time foc do i accecpt this or send the cheque back with another request.It also mentions that some statement info during 1999 to 2000 is manually stored on microfishe & does not fall within the data subject access provisions of the dpa.Is this bxxxxxks.Thans Rob

[madamv]

I had same. Didnt need to worry though as can only go back six years innit....

 

But they did send me statements from Nov 99 to date. And I didnt send them any £10....

[Nightstar]

B******s

[francoe]

so ill hang on to cheque wait for statements calculate then hit them

[Nightstar]

Hi Rob & Liz,

this is the dance here: You recieve your statements (to your timescale) or report them to banking Ombudsman...

Then you work out your charges... If you recieve 4 years statements totalling lets say £4000 then naturally because Barclays are claiming the old microfische tactic then your charges over 6 years would be estimated at £6000... then the ball is well and truely in Barclays court to disprove the sum... and that is something they aint gonna do in a month of sundays....Good Luck:D

[madamv]

I can tell that some of my copies are printed from microfische though. They have printers attached, so its not as if its impossible.

 

I didnt really read their letter properly to tell the truth. I just saw the bit that said, statements will follow...

 

me bad:(

[Nightstar]

Barclaycard are class at stating data stored pre 19?? are all stored on microfisch, and are therefore NOT covered by the Data Protection Act, hence they do not have to disclose the information.

[francoe]

Hello just an update on this.Copy of statements arrived yesterday.Before 40 day deadline.So far Bank being very co op , lets hope this continues. Were up to £2100.00.Next stage letters are of on monday.So far going as planned.Interesting to here that cases are going to the mercantile court.Banks wont be able to use this as a stalling point will they?Thanks for previous replies anyway

[francoe]

Anyone help.If i use english simple excel & i list all charges it calculates interest in separate column.Am i claiming just the charges or both at this stage or do i just delete the interest column.Looked at faqs but cant find anything.thanks

[Guest louis wu]

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html?garpg=4

[Guest ian cognito]

You don't include the interest at this stage but you will need it later so rather then deleting the days since claim and interest columns, highlight them both and select format, columns, hide from the menu bar, you can then unhide them at a later date, you can also print out just the charges by setting the print area from the format menu.

[francoe]

so put me in the pic here.I have had my account changed to this reserve thing & get charged £22 a chuck.Can i cancel this & not affect my overdraft,i know these are bank charges in another guise,can you fight these charges?

 

Thanks

[slick132]

Hi Francoe,

 

I've moved your post into your own Barclays thread.

 

You'll have to see what your branch or Customer Services says about this.

 

They obviously don't want you to Opt Out of the Reserve system, so may well make it difficult for you to do this. Experience so far suggests that they may say you can Opt Out but you cannot keep any existing O/D facility.

 

Speak to them and come back.

[francoe]

ok thanks.

Will find out & post back.