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Barclays Reserve Usage

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Hi All


I am after some advice. I have a current account with Barclays which has a personal reserve limit of £150.00. When i first had the reserve placed on my account it was a handy tool to ensure that I didn't end up overdrawn through DD payments etc.( I have my wages paid in to my Barclays savings account so i can manage my money better doing transfers through online banking as and when needed)

Orignially the idea of the reserve was to allow you to go up to £150.00 overdrawn as i understood this you could use the facility for up to 7 consecutive days before you were charged.

In the last 2 months i have been charged £66.00 in reserve usage fees, one of the letters was dated the 19.10.09 and stated that on the 19th i had gone overdrawn by £10.00 and they would be charging me the standard £22.00, I recieved this on the 20.10.09 when i rang Barclays they said that the charging period had changed and now i would be charged everytime i used the facility. They said I should have recieved a letter to this effect......but as yet I am still waiting.

I asked for a good will gesture to have the charge refunded but was told refund would only be granted if it was a banking error.


It seems to me that Barclays have found a loop hole in the system and are exploiting the customer yet again!!!

Any thoughts or comments would be greatly appreciated.

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Hi Liseylou,


i had gone overdrawn by £10.00
Do you mean you went over your reserve limit of £150 by £10.



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