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Skinny Vs Barclays

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I submitted an initial complaint to Barclays before the Court Stay, but then, obviously, things stopped during the stay.


After the stay was lifted, barclays sent me their standard letter saying that the stay had been lifted, the court found in their favour, etc.


I wrote back, stating that my claim was actually under regulation 5 of the UTCCR and section 140a of the CCA. The total I'm claiming (which includes old charges and reserve fees) is over £2000. I am also claiming for hardship, because I was in a cycle of charges which was initiated when my wife was out of work.


Yesterday, I received a "Final Response" from Barclays which stated words to the effect of "we see you are bringing your claim under regulations 5 and 8 of UTCCR. The Supreme Court found that our charges can not be assessed under those regulations and consumers have no right to challenge them. Therefore, they do not uphold my complaint" I'll upload a copy of the letter later.


They also said that the department that deals with hardship will contact me separately within 20 days.


Meanwhile, about 10 days ago, I started getting calls from Barclays collections at least once a day, if not more, seeking repayment. (I am currently about £1600 overdrawn with a £1000 limit and £500 reserve). They said on one call last week that they would remove the reserve so I wouldn't incur more fees. They said the same again today as it still was on the account. Despite the fact I am awaiting another Barclays department to contact me re: hardship, they insist that they will continue to call me daily. I don't use this account anymore, and cannot afford to pay off the outstanding balance.


Advice would be appreciated!

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Hi Skinny - sorry I'm not going to able to help much but you can insist that they stop calling you like this as it is harassment. You'll need to put it in writing and I'd suggest that you do not deal with them by phone at all as they twist things around.


I have a similar problem with them at the moment and not getting anywhere, except to initiate a complaint with the FOS.


It sounds like you're getting calls from the same dept in Manchester that I've been getting.

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