Reopening a 'Gesture of Goodwill' Claim - Barclays Additions and Additions plus accounts?**Extra PPI and Additions Refunds**

[autumn53]

Wheee thank you thank you. I will do the needful tomorrow and will post here once I have posted the letter.

 

Good night

Autumn

[autumn53]

Aww section B7 clearly asks me to declare if I have made a claim on this in the past. Should I leave it blank?

[slick132]

No, fill it in fully and honestly.

 

Declaring the previous claim should not jeopardise the current one.

 

[autumn53]

Ok thanks, I said YES next to the question as it does not ask for any details.

[autumn53]

Posted questionnaire for ODI today, will write here again once the Bank replies.

[autumn53]

OMG £1900/- against the ODI claim received.

 

This is excellent, thanks for all your help. I will post my success on the successful claims thread on this forum mentioning all the people that helped me here.

 

I am thinking of sending the following letter about my 'Gesture of Goodwilled' Barclays Additions Account too.

 

 

Barclays PPI Department

Leicester

LE87 2BB

 

Dear Sir/Madam,

 

Ref: xxxxxx

Sub : Barclays Additions Account

 

I opened a current account with you in March 1996 at which time, I was sold your Barclays Additions Account.

 

I believe I was mis-sold this packaged bank account. I was not given the option to opt out of this sort of a package. The Financial Services Authority's advice to consumers is that it is not compulsory for an account holder to hold a packaged account. Additions Account, therefore, was clearly mis-sold to me, hence, I request a full refund of all the fees that I have paid so far, plus interest.

 

Please find enclosed herewith my completed FOS Consumer Questionnaire which together with this letter, lodges a formal mis-selling complaint with you.

 

Please investigate my complaint within the eight weeks allowed to you before the matter can be referred to the Financial Ombudsman.

 

Yours Faithfully

 

xxxxxx

 

My questions are as follows ...

 

1. Does this really need a duly filled PPI Questionnaire? This is not a PPI case yet, Additions is actually a bunch of covers I believe charged as not premiums but cleverly called 'Fee' in the statements.

 

2. Is there anything I have written here that is not actually the case, for ex. me stating that "The Financial Services Authority's advice to consumers is that it is not compulsory for an account holder to hold a packaged account"?

 

3. Should this be addressed to their PPI Dept. at the above address?

 

Please scan my letter and advise.

 

Hugs

Autumn

Edited January 20, 2014 by autumn53

[slick132]

Hi Autum and Big CONGRATS on getting the ODI back so quickly.

 

I'm glad I was proved right about going back to them despite the refund years ago. If you can manage a Site Donation, it'll help us keep helping others, and thanks.

 

Re the subject of Additions fees, you cannot reclaim them in the same way as PPI and a PPI Questionnaire is not appropriate.

 

As you knew about the Additions status on your a/c, then I don't see that you'll get any further refund after what they repaid in 2007. You can't use the same arguments as you would with PPI.

 

In my opinion, pursuing this may get you nothing ................

 

[autumn53]

Thanks Slick,

 

Yes that was an excellent guess and you are probably right about the Additions too. But now I am becoming a bit greedy now that I have received all these refunds So nothing ventured nothing gained, keeping your advice in mind I will not keep my hopes high but will still give it a shot. Good thing is that I have all my statements from the past. Here is a letter I have drafted, please could you take a moment and help me edit it?

 

Dear Sir/Madam,

 

I have held an account with you since March 1996 but in September 1996 this account was automatically upgraded to Additions Account at your end without my permission. It has come to my notice that this contained a number of insurances automatically sold to me without my expressed permission. I did not need or use any of the insurance or non-insurance benefits of this packaged account.

 

I believe I was mis-sold this packaged bank account. I was not given the option to opt in or out of this sort of a package. The Financial Services Authority's advice to consumers is that it is not compulsory for an account holder to buy such covers when opening or holding a bank account. Additions Account, therefore, was clearly mis-sold to me, hence, I request a full refund of all the fees that I have paid so far, plus interest, deducting the previous amount paid by yourself exhibiting a Gesture of Goodwill in 2007.

 

This letter lodges a formal mis-selling complaint with you.

 

Please investigate my complaint within the eight weeks allowed to you before the matter can be referred to the Financial Ombudsman.

 

 

Yours Faithfully

[slick132]

Hi Autumn,

 

By all means, go for it if you want to try.

 

In post #16 above, you said, "I opened a current account with you in March 1996 at which time, I was sold your Barclays Additions Account."

 

Then in post #18 you say, "I have held an account with you since March 1996 but in September 1996 this account was automatically upgraded to Additions Account at your end without my permission."

 

These are two very different scenarios and perhaps you should first tell us which is closer to what happened.

 

If you can avoid it, I would not complain on the basis that the product was mis-sold. To my mind, the far stronger argument with Additions is that it was applied to your a/c without your knowledge or approval.

 

Yes, they may well come back and say you should have argued about the amount of the refund back in 2007. But, nothing ventured, nothing gained.

 

Redraft the letter and put it back here for our consideration.

 

[autumn53]

Ok thanks for reading through and many thanks for your input.

 

Here is the amended letter.

 

Dear Sir/Madam,

 

I have held an account with you since March 1996 but in September 1996 this account was automatically upgraded to Additions Account at your end without my permission. It has come to my notice that this contained a number of insurances automatically sold to me without my expressed permission. I did not need or use any of the insurance or non-insurance benefits of this packaged account.

 

I was not given the option to opt in or out of this sort of a package. The Financial Services Authority's advice to consumers is that it is not compulsory for an account holder to buy such covers when opening or holding a bank account, hence, I request a full refund of all the fees that I have paid so far, plus interest.

 

This letter lodges a formal complaint with you.

 

Please investigate my complaint within the eight weeks allowed to you before the matter can be referred to the Financial Ombudsman.

 

 

Yours Faithfully

 

Yes, the letter in the post no. 16 is not correct. I checked my bank statements and corrected it accordingly in the post no. 18. I think, I in a hurry had cut and pasted from my ODI complaint letter

 

The bank upgraded my account in Sep 1996 according to my statements.

 

Your point is very valid and I am going to approach it from the 'lack of permission' angle rather than a mis-sale.

 

Please just one more time, could you read the fresh draft and give me a green signal so I could post this tomorrow.

 

Oh and I will love to donate to this kind site, glad you pointed out. I had almost overlooked that in my excitement lol. Also, I am no expert and can not offer any advice to those looking for help with their PPI claims and would rather not cause any confusion on people's threads but, I am sure you people could do with some other kind of helping hand. Say technical help or site maintenance or typing out templates etc. Please let me know if I could be of any use.

 

Thanks

 

EDIT : Just made a small donation. May god bless you all.

Edited January 21, 2014 by autumn53

[slick132]

Hi Autumn and thanks for the site donation.

 

Dear Sir/Madam,

 

FORMAL COMPLAINT

 

I refer to my current account no. xxxx xxxx, opened with you in March 1996. In September 1996, the bank upgraded the account to Additions status without my knowledge or permission, whereby I incurred monthly fees on an account that was previously free.

 

The Additions status gave me no benefit or product that I either wanted or needed.

 

This matter was only partially addressed in 2007 when the bank made a partial refund of £290. However, it is only now that I realise the bank should have refunded the full amount to me, and that I was treated unfairly at that time.

 

In the circumstances, I now require that you refund the full balance of Additions fees that you took from me.

 

Please respond fully within 14 days.

 

Yours faithfully,

 

Whilst drafting this for you, I can still only see one likely outcome but let's give it your best shot anyway ...........

 

[autumn53]

Thanks a bunch for drafting the letter for me

 

Referring back to Post no. 12 in this thread where I was trying to reclaim 'Gesture of Goodwilled' ODI charges ...

 

And as post no. 16 shows, Barclays refunded some £1900/- against the ODI. Success!! I am attaching the break-up they sent via post today.

Edited January 30, 2014 by slick132
formatting

[slick132]

Hi Autumn,

 

Posts #12 and #13 dealt with this matter and you properly disclosed the previous claim about this.

 

You gave them honest info about the previous claim and who knows if they've taken this into a/c in the recent calculations.

 

Deal with the Additions issue and see what comes back.

 

[autumn53]

Thanks, that sounds good. I will send the Additions complaint letter tomorrow and keep you posted.

 

Thanks for all your advice.

 

Autumn

[autumn53]

Hi,

 

Posted the complaint letter on the 23rd of Jan. 2013.

 

I received a text message and a letter last week that gave me a Ref. no. that I can use on their Trackit service to see what is happening to my claim.

 

 

Update on the Barclays - Trackit

 

We've received your complaint and issued your complaint reference number

24-01-2014 10:52:17 AM

 

We've allocated your complaint to a member of our Complaints team

31-01-2014 09:32:48 AM

 

Patiently waiting for this to move forward.

 

Thanks

[slick132]

Don't hold your breath.............

 

LoL

[autumn53]

£1126/- refunded. They will send me the break-up later.

 

Roughly ...

 

Refund = £800

Minus Previous Refund £300 = £500 (approx. figures)

Plus 8% Interest £500 = £1000

Plus Gesture of Goodwill £50 = £1050

 

That is fantastic :lol:

 

 

Thank you for helping me so patiently in this. Will make a post in the success thread.

 

Hugs

Autumn

[slick132]

Hi Autumn,

 

Can you confirm, is this an additional refund for the Additions complaint ?

 

[autumn53]

Yes, as their text message clearly stated the above break-up.

[slick132]

Hi Autumn and Huge Congrats on this !!

 

Your tenacity has paid dividends and will change the way I advise future Additions cases.

 

Don't forget to make a Site Donation if you can manage it, thanks.

 

Delighted for your successes !!

 

[autumn53]

Thanks a lot Slick, could not have achieved anything without your walkthroughs, have already made a small donation in the past but will make another one. Love you all to bits.

 

Big hug

Autumn

[slick132]

Hi Autumn,

 

Thanks for the Site Donation, and for the love and hugs !!

 

[autumn53]

Just made another small donation as promised earlier. Thanks for all your help and support.

 

I am planning to now start a claim on all Unfair Charges by Barclays so far and am utterly confused. Have read all over the forum yet am unsure which statement entries were unfair.

 

Right now I need to know if I can claim

 

1. Monthly Usage Fees

 

and

 

2. Overdraft Fees

 

Keeping in view that I have already claimed and have been refunded ODI (Breakup attached). [ATTACH=CONFIG]49517[/ATTACH]

[slick132]

Hi Autumn and thanks for the Site Donation.

 

If the monthly usage fee relates to use of the Barclays Personal Reserve system, they're unlikely to refund unless a claim is made using the Financial Difficulty route.

 

Same for Overdraft Fees.

 

Over what period are you looking to reclaim.

 

[autumn53]

Thanks.

 

I was not in particular Financial Difficulties at that time but was going deeper into serious debt. My husband was and is still in full time employment. Just that our debts kept mounting till we had to re-motrgage our home in 2007. When I see my old statements I only see bills and bank fees and interests and credit card atm withdrawls. We never could spend the money on ourselves ever since we took our first £5k personal loan from Barclays in 1997 and then another loan for our car in 1999. That was the end. We never recovered from a debt that kept mounting.

 

Yes the charges were applied every time my a/c went into red.

 

Here is how it looks ...

 

24th Apr 1997 Monthly Usage Fee Barclays Personal Overdraft £5

24th Jun 1997 Monthly Usage Fee Barclays Personal Overdraft £5 Plus Interest Charged £2.35

24th Jul 1997 Monthly Usage Fee Barclays Personal Overdraft £5 Plus £1.71

24th Oct 1997 Interest charged Overdraft Interest £1.20

24th Nov 1997 Interest charged Overdraft Interest £3.43

24th Dec 1997 Interest charged Overdraft Interest £3.10

24th Feb 1998 Monthly Usage Fee Unauthorised Overdraft £15 Plus Interest Charged £3.05

24th Mar 1998 Interest charged Overdraft Interest £3.38

24th April 1998 Monthly Usage Fee Unauthorised Overdraft £15 Plus Interest charged £5.99

24th June 1998 Interest charged Overdraft Interest £1.06

24th July 1998 Interest charged Overdraft Interest £1.61

24th Aug 1998 Interest charged Overdraft Interest £1.79

24th Mar 1999 Interest charged Overdraft Interest £0.73

26th Apr 1999 Interest charged Overdraft Interest £1.62

24th May 1999 Interest charged Overdraft Interest £3.28

24th Jun 1999 Interest charged Overdraft Interest £2.16

 

Recently, from say 2005 the bank began a practice of sending me notification letters that looked like this ...[ATTACH=CONFIG]49522[/ATTACH]

[ATTACH=CONFIG]49523[/ATTACH]