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Frozen Barclays account—demanding repayment


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Any advice on this would be very much appreciated.

 

Barclays have frozen my personal and business accounts and are demanding repayment in full. I'm overdrawn £1,765 on my personal account. The overdraft limit is £1,600, with a £150 buffer.

 

The business is no longer in operation. That account has no overdraft limit but somehow I've arrived at £1,700 overdrawn in that as well.

 

I have no other bank account and my credit rating is already dreadful as a result of other, ongoing debt problems. I doubt I'd be able to get another account, unless there's a very willing bank out there somewhere.

 

I'm currently only working in a voluntary capacity. I've had mental health problems and I really don't feel as though I could hold a job down (much as I'm sure the benefits people would disagree). I don't claim any benefits at all. I've been told that I'd be unlikely to get any as my husband is American and I haven't paid national insurance for a few years. We have no income and I'm living off my parents.

 

I really can't see a way out of this.

 

Thanks in advance for any advice you might be able to give.

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Hi Lhollo,

 

You should make it a priority to open another bank a/c so you have ongoing banking facilities. If you Google search the term "basic bank accounts" there are many links.

 

Here's a guide from MSE's site - http://www.google.com/url?q=http://www.moneysavingexpert.com/banking/basic-bank-accounts&sa=U&ei=V8HzTtXjOoSu8QP78t2tAQ&ved=0CAYQFjAB&client=internal-uds-cse&usg=AFQjCNHima-hYmZO10YyyIDKczB2KQxeeQ

 

1. Re the Barclays personal a/c, how long have you had this account open with them.

 

2. How much of the balance is made up of default fees.

 

3. Re the Business a/c, how long has this been open.

 

4. How much of this balance is default fees.

 

Were you a sole trader with the a/c named as Lhollo t/a your business name. Or was the business a/c in your own name only.

 

Regarding your general situation and lack of income, I suggest you start a thread in the Benefits forum to discuss this - http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?160-Benefits-Tax-Credits-and-Minimum-Wage

 

You should provide some background info about your situation as a carer, whether you receive anything as a carer, whether you are or have been signed-on as seeking employment or signed-off for health reasons, etc.

 

:-)

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