jj69 -v- Barclays

[MARTIN3030]

I work in Barclays Collections

 

You will find that shortly the bank will begin writing to all customers who made complaints regarding the unfair charging case. From information I have, Barclays will deal with these on an individual basis, but most are likely to be advised that the charges are fair and no refund will be due.

 

SAR is a good way of finding out what you've been charged, but will not get you anything back unless the circumstances are different from the standard "I think the charges are unfair"

 

What you should have done (knowing that no money was going into the account) was cancelled the direct debits coming out. The bank advises you everytime one fails. It is your responsibilty to either service them or cancel them, you cant expect the bank to pay them without funds in your account.

 

What you should now do is call either your Business Account Manager or Barclays Collections and arrange to pay back the debt over a period. Barclays will be happy to split the payment over 6 months to get your account back to order.

 

If you do nothing you will eventually lose your overdraft facility and be liable for the whole debt at once.

 

Hope this helps

 

 

WWS thank you for your words of wisdom.

Equally maybe I can return the favour.

 

quote

 

"You will find that shortly the bank will begin writing to all customers who made complaints regarding the unfair charging case. From information I have, Barclays will deal with these on an individual basis, but most are likely to be advised that the charges are fair and no refund will be due."

 

You will find that shortly customers will begin writing to Barclays with more complaints regarding unfair charges,which will approach from different angles to those previously seen.Barclays will of course continue to maintain that the charges are fair even though most people in England agree they are not.

 

 

SAR is a good way of finding out what you've been charged, but will not get you anything back unless the circumstances are different from the standard "I think the charges are unfair"

 

Most people on CAG know the criteria for seeking a SAR and for those who are unsure,details are widely available for them.

We have found that in many instances a SAR has been the ONLY way to determine the real level of charges since Barclays have not exactly been too quick to hand the figures to customers on a plate.

 

 

What you should have done (knowing that no money was going into the account) was cancelled the direct debits coming out. The bank advises you everytime one fails. It is your responsibilty to either service them or cancel them, you cant expect the bank to pay them without funds in your account.

 

In an ideal world where there is a level playing field that gives both parties fairness,its easy to say this.

The truth is that Barclays were happy to take excessive fees charges that were not in proportion to its real costs and did not tell customers then "What they should have done "

I did not see in any terms and conditions I had from Barclays that I should cancel direct debits because Barclays charges were not proportionate.

No one expects the bank to pay them if theres no money in the account-they have shown that they will take charges by other means aside from any failed instructions.

 

What you should now do is call either your Business Account Manager or Barclays Collections and arrange to pay back the debt over a period. Barclays will be happy to split the payment over 6 months to get your account back to order.

 

This is all very convenient for Barclays who have shown nothing but contempt for customers seeking a fair deal and saw so many businesses go to the wall after taking excessive charges.

My business account manager was very keen to look at my account-none so much every month after taking commission charges that made the account go even further into the red.(those commission charges by the way already comprised of charges from previous snatches )

 

If you do nothing you will eventually lose your overdraft facility and be liable for the whole debt at once.

 

There are many instances where people DID do something and yet still lost their overdraft facility-I know I am one of them.

Barclays are only interested in Barclays.

 

 

I find your post quite offensive as I am sure will most Barclays customers who have experienced overcharging and bullying tactics in their quest to have charges refunded.

 

If you think the fight is over-then you have more to learn than you have to give advice here.

Go back and let them know at Churchill place-my guess is that they will have their work cut out in the coming weeks and months.

[MARTIN3030]

Yes well said....interesting how Barclays didnt go cap in hand to the GOV for cash to get them by...reason is quite simply they dont need to and no way was they going to agree to any conditions attatched if they did.

If there was an Xfactor equivalant for banks with no scruples Barclays would take 1st 2nd and 3rd place....no one else would get a look in.

[MARTIN3030]

Seems WWS has removed his posts ?

Could it be a realisation that his comments did not hold any water on CAG ?

[MARTIN3030]

I saw it as more of an ultimatum as opposed to advice.

Lets be honest this site is here for the benefit of progress and justice.

WWS did not inform CAGGERS of anything they didnt know already-he just sought to demonstrate the same arrogance that we have been led to expect-our charges are fair,we wont be paying them back,pay us any arrears or else we will come after you.

 

Hmn I think this sort of advice is best left to the CSA and Credit today forums-he must have got off at the wrong station.

[MARTIN3030]

Lol...you could be right on that first comment...

All I know is this site is essential to help you put your case across...

As I found out in a recent visit to my local court to have a set aside actioned the DJ turned around and said ' where are you getting your information from ' (when I was submitting my defence etc)..I told a little white lie and said ' online solicitors ' (not letting him know about these sites) his response ' well I don't agree with these things ' ..makes you wonder if we have any justice in this country when an individual cant research his own defence before a court appearance.

He turned down the Set aside anyway but then the company who bought the case against me backed down and discontinued forcing the judge to have the case struck out...

 

 

Judges are like the rest of us-at the end of the day they have their own thoughts,opinions,and ways of doing things.

We rely on them to be fair,level headed and decisive..but as we have seen they can be like chalk and cheese when it comes to delivering Judgements and voicing their personal opinions.

I suppose in some instances we have had some excellent results from Judges that favour the CAG cause-in others the result has been pretty much a foregone conclusuion.

In a perfect world we would have no need to be making any sorts of comparisons......because there wouldnt be any unfair charges !