Student Overdraft, Barclays Said The Account Did Not Belong To Me, Defaulted!

[shan7-8-6]

around 2-3 years ago I had a Barclays student account with the usual £1000 overdraft limit etc.

 

One day I withdrew some money I had been saving in paypal into my account

and decided to go to the bank to withdraw some to pay some bills (it was £2000 that went in).

 

I'd lost my pin a while ago, so I took along my passport and card, told the lady at the counter that I did not have my pin,

and they said ID would be fine so i showed my passport, and she had the cheek to say it wasn't me in the picture

(it was a few years old but still valid!).

 

And then she said the DOB didnt match and neither did my mothers maiden name or address

(and she checked the account number and sort code 3 times, it was my card with my name on it)!

 

I was fuming and you can imagine when you have £2000 that you saved and then a bank that says the account doesnt belong to you.

 

I actually started shouting at the lady and then the manager came,

he said the same thing and that I had to leave or they would call the police,

I said call the police, I am exactly who I say I am, please call them.

 

Eventually I just walked out very annoyed,

 

I went home and went through all my room to find my pin they had sent me, and luckily I found it,

I withdrew every penny from the account and never bothered with it.

 

8 Months later I get a call from barclays saying my account has been closed because I have not used it,

I explained what had happened but the person on the phone did not care,

and this time mysteriously they had my correct DOB and address!

 

they said I had to pay the overdraft back immediately or I would get a default,

I was not working at the time so I told them I could not afford to pay,

they said I would get a default and I had to pay a minimum of £150 a month!

 

i managed to pay 2 months worth and after that I was broke,

 

I got a default put on my credit file!

 

Is there any way I could have this removed?

 

I was almost clear from all defaults until this happened (I had ones from when I was 18, around 5-6 years ago which should be going soon).

 

Anybody had any experience trying to get these sort of default's overturned?

 

Any help would be greatly appreciated

[dx100uk]

i wonder if BCOBS might be of use

 

i take it the OD is mainly unlawful PENALTY charges?

dx

[shan7-8-6]

Im not sure to be honest, because basically it was a student overdraft, and i'd used up most of the overdraft, and they just closed the account and said I had to make an immediate payment to clear the overdraft. The reason they closed the account was because I hadn't used it for a few months (for obvious reasons). Would that BCOBS still be useful to me?

[shan7-8-6]

Im not sure to be honest, because basically it was a student overdraft, and i'd used up most of the overdraft, and they just closed the account and said I had to make an immediate payment to clear the overdraft. The reason they closed the account was because I hadn't used it for a few months (for obvious reasons). Would that BCOBS still be useful to me?

[dx100uk]

yes its all since 2009 so bcobs might prove useful.

 

dx

[BRIGADIER2JCS]

If you left the account with an amount owing and as DX said

this is probably mostly charges now.

The Information Commissioners Office guidance states.

That if a default sum is nade up of charges that without such

charges a default would not have been placed the NO default

should be placed.

 

You will need to make a Subject Access Request under the Data

Protection Act 1998 to get all the data the bank holds on you.

There is a statutory fee of £10 for this and the bank have 40 days

to comply.