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sianib

DMP with Barclays

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Hi there,

 

I hope that somebody may be able to help me here and that the information is clear.

 

I have had debt problems for years and years as well as mental health problems.

 

For the best part of 15 years, I have banked with Barclays Bank and have constantly relied on the overdraft and the reserve usage fee,

meaning that between £22-£88 would be coming out of my account every month.

 

In February of last year, I had a particularly bad episode and had much less control of my finances than usual.

 

I took out payday loans and maxed out credit cards.

 

I finally came to my senses in March and started a DMP with CCCS, who were brill and

 

at the same time I wrote to Barclays, asking them to stop all the payments to Speed Credit.

At this time my account was £550 (£50 of this was reserve)

 

The problem is that Barclays claimed not to have received this letter and then started charging me for the unsuccessful payments

and being over my limit and they were ringing me constantly on my landline, mobile.

They claimed that they had not received any paperwork from the CCCS,

even though I had checked with them several times,

and more worryingly that no money had gone to pay off my account.

 

The stress of everything really had a negative impact on my mental well being that it was very difficult to function, so it was difficult to keep on at them.

 

I wrote them a letter recorded delivery to complain, and received a phone call from a manager,

saying that they had no evidence trail therefore no charges could be refunded to me.

She also said that she would send me letter to that effect, she didn't.

 

Eventually in July, after another threaten to default letter, I rang them up and insisted that they check all their records of a payment.

They found payments made since April but insisted that they had still not received the paperwork.

 

As it happens, my DMP was under review so I was able to pay more to my creditors, therefore they would have received a new batch of paperwork.

 

Since then, I have not received any correspondance from them.

 

Today, I checked my credit report and Barclays have reported a default, with months of missed payments,

with the total sum of the debt at £975, that means that they have charged me £400 because they charged me for not paying them

and ignoring my requests to stop speed credit emptying my account.

 

I'm coping much better now and would like to know if I would be able to complain.

 

I would like to dispute the debt and maybe get back some of the reserved charges back.

 

Do I have any chance of winning?

 

Thank you guys, I have been following the forum for a while and it helps to know that you are not alone.

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yes sounds like a classic BCOBS complaint

 

are you on benefits?

and paid to that account?

 

dx


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That's great thank you for your reply. No, I'm not on benefits, I was working part time and it is being paid into a different account. Would you suggest complaining about both things at the same time, or deal with them seperately?

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Hi Sianib,

 

If you were, or still are, having Financial Difficulties and the bank was aware of this, they have a duty to assist you.

 

Read this Article - http://www.consumeractiongroup.co.uk/forum/content.php?557-Letter-for-an-application-for-consideration-for-hardship

 

You should be able to reclaim the Reserve Usage Fees for the period where you can show you were having Financial Difficulty.

 

You can then also argue that the bank had a duty to offer help and that, because they failed in their obligations, they should remove the default. You should be aware that Default removal can be very difficult.

 

Have you since made sure the bank has stopped making any payments to Speed Credit or any other PDL Company. Any such instruction to the bank should always be sent by Recorded Delivery, so you have proof of posting and receipt.

 

:wink:


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