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Barclays OD charges whilst unemployed & i've got PPI stealthed on me - help


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Hi All, I looking for a bit advise on a really two problems i have with Barclays Bank.

 

The first is,

I recently went into the local branch and spoke to the manager to advise that,

i was currently unemployed and could they not hammer me with charges on my overdraft (£1400) worth whilst i got back to work.

 

The manager was totally dismissive of my situation and offered no help other than dont eat and go bankrupt!

I sent a letter to the head office outlining what had happened in the meeting and that i wasnt happy with the service and comments recieved.

 

Also that there are charges of £11.75 per month going out for PPi cover that i had never asked for,

and that i would like them to refund me for this.

 

Today i had a letter though the post advising me that the charges to my account had pusted me through my overdraft limit by £199.11 I have in the interim i asked barclays for a CCA.

 

baclays advised that quote" sections 77 and 79 do not apply to running account credit agreements, such as over drafts therefore thay are irrelivent to your account overdraft.

swection 78 does apply to running account agreements , but it refers to "executed agreements (if any) barclays standard practice means that customers did not sign

agreements for overdrafts on current accounts , and so there is no "executed agreement" within the meaning of section 78.

 

Initially i thought well then you can do one for the money then !!!

however knowing Barclays they will pull out all levels of nasty things

 

So Im looking on what would be the best policy from here and waht i should do

 

Many thanks

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time to move banks me thinks!!

 

you can reclaim the PPI

 

as for the OD charges

 

stuuf 'em

 

they'll go nowhere near a court if its all charges

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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dx100uk changed banks already not that any of them are that great, that said some do appear to be better than others at the moment I have read a fair amount on single premium PPI however there doesnt appear to be much on monthly PPI payments do i understand it that the process is the same? How do i calculate the interest on it, and are you able to apply compensation to it as well? cheers

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ping ims21

 

but it'll be a std claim i think

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

So that i can be clear in my mind TBH Im very new to this and dont want to be shot down just out of the stocks No point getting a SAR, just fill out the FOS PPI questionaire and send with letter stating i want PPI back as it was never requested or wanted.

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thats WHY you want it back

 

YOU NEVER ASKED FOR IT

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites
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