Barclays Addition Account Fees

[eatonhill]

hello, i too realised i was being charged for having an additions account and i also noticed that i am being charged a small amount every month for overdraft ppi.

 

i have never asked for overdraft ppi so i went back through statements (all online as i don't keep statements past 7 years) and i found that originally it was put down as just ppi.

 

Regarding the additions account, as far as I'm concerned i was notified that my account was going to now be called an additions account. didn't think much of it at the time and therefore did nothing about it.

 

i had an online chat with barclays asking about the additions account and all i got asked about was would i like to cancel the account! That wasn't my question - duh! Since 1996 i haven't lived in the UK(apart from 3 months in 2000/2001) I had a BFPO address up until 2006 and since then i have resided in Europe.

 

My last question to them was about this account and whether it was valid as a non uk resident. Interestingly this account is not valid unless you live in the UK. Sorry about the long winded -ness but my question is Can i put a claim in for both the wrongful use of additions and ppi seeing as they shouldn't even have applied the additions account to me and i don't ever recall ever asking anything about ppi or overdraft ppi.

 

Also, if I'm going to make a complaint should i say that additions accounts came in 1998 even though i can't prove they were charging me for it then as i don't have the statements from then and they are not available online. I did find out that a BFPO address was only recognised as part of the UK postcode only in 2012 so i don't think they could say i could have been using this address and it would be part of the UK.

 

Any advice before i dive in and go through months of the runaround by Barclays would be much appreciated.

Edited August 16, 2014 by slick132
Spaced with paragraphs - easier to read

[slick132]

Hi Eatonhill and welcome to CAG

 

I've moved your post into your own new thread.

 

Also, added paragraphs to make the post easier to read.

 

[slick132]

When you were told the a/c was going to be called an Additions a/c, were you told of any charges involved, or about any benefits that you would enjoy.

 

If you had a BFPO address, staff should have known if the a/c was inappropriate for you.

 

You should make a list from the data that you still have of :-

 

1. All Additions Fees charged on the a/c.

 

2. All PPI added to the a/c.

 

List the amounts separately on 2 spreadsheets using this link and let us know the approx totals for the PPI and the Additions Fees.

 

[eatonhill]

Hello slick132. First off, many thanks for your help.

 

I have only got bank statements going back to August 2010 which must be when i opted for paperless statements ( far easier when moving around the world but not good when trying to go back through banking history - oh well my mistake)

 

So going from the information i have the ppi paid was £ 156.80 (which was £3.20 per month)

The Account fee adds up to £647.50 (which was £12.50 increasing up to £13.50 per month)

 

Just a few other bits of information that might be useful

1. In 2010 the £3.20 payments were called "overdraft protection service charge - 400 items at £0.80/100"

2. The other charge was called Account fee, 1 item @ £12.50

3. In September 2011 the £3.20 charge changed to just "payment protection" ( no other information given)

4. In October 2011 the payment to Account fee increased by £1 to £13.50.

5. In November 2013 the charge for £3.20 changed its name again to "overdraft ppi"

 

I hope I've given you enough and thanks for looking at this for me. Just one other question, is there anyway i can retrieve older statements from anywhere or are they lost in the ether forever??????

[slick132]

Hi Eaton,

 

Send the bank a SAR with the £10 fee and they should supply all data they have about you for the last 6 years.

 

When you get that back, we can review the situation and advise how you can best proceed.

 

[Galatea]

I put in a PPI claim for exactly the same thing you are asking about. 3 weeks later I got back a cheque for the full amount, plus interest. Good luck

[eatonhill]

Hi Galatea

 

Thanks for your positive message and i hope that happens to me but somehow i reckon i will be in a fight with Barclays........ They re the most appalling bank with such a bad record and yet they keep on coming!

[Raindance27]

Hi,

I am currently with the fos with a claim for mis-selling of account and o/d charges reclaim for financial hardship. The FOS seems to side with the bank and is asking for tocs of the accounts I held at the time, Additions, Additions plus and Premier. The bank has lied about products provided on these accounts and I need access to welcome packs and terms of conditions for the said accounts. Any help would be appreciated.

 

Thanks in advance

[dx100uk]

Hi,

I am currently with the fos with a claim for mis-selling of account and o/d charges reclaim for financial hardship. The FOS seems to side with the bank and is asking for tocs of the accounts I held at the time, Additions, Additions plus and Premier. The bank has lied about products provided on these accounts and I need access to welcome packs and terms of conditions for the said accounts. Any help would be appreciated.

 

Thanks in advance

 

 

better to start a new thread

of your own

the threads you are tacking onto are very old

 

 

dx

[Raindance27]

thanks dx