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Need help,bank charging me for having no money


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I got a letter saying Barclays are going to charge me for a failed transaction.The transaction failed because i had no money in my bank so there charging me cause i have no money.

My sole income is disability benefits and i Iive in a Nursing Home (I'm 27yrs old) and I can not afford those bank charges.What should i do?

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Hi MermaidButterfly and welcome to CAG.


If you had no money in the account and a transaction failed because it would have left the account overdrawn, the bank may be within their rights to make a charge.


Firstly, you should try and make sure you have money in place to cover future transactions, or this could happen again. Can you cover the default charge that they've made just now ?


Secondly, as your only income is from disability benefits, you can adapt this letter to send to the bank - http://www.consumeractiongroup.co.uk/forum/showthread.php?138290-letter-to-get-charges-back-when-on-benefits


It may help us if you tell us how this problem arose in the first place.



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