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Goldengem v Barclays


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Hi I have got an overdraft of £500 with Barclays Bank I went over by about

£200 and have had £300 added in about 3 months. I made an agreement to pay it back at £50 a week because I had a job (only lasted a week) they charged me another £90 I made another agreement to pay them £20 per fortnight (I am on jobseekers allowance) not sure if they have stopped the interest though. I have had bank charges added previously so will be asking them for bank statements for 6 years to see how much I have paid. This is a brilliant site and I look forward to hearing from people in the same situation.

 

Also I have a television I bought Feb 2003 and the tube has gone I have been trying to get some sort of compensation from First National as they gave me some of the finance (the rest was cash) because it was £100 and not over they won't give me any help ie repair/replacement or financial recompense.

 

I bought the television from Powerhouse which has now gone. The third letter to First National was written by the Citizen's Advice Bureau who received a reply saying "We have taken careful consideration in assessing your claim, taking into consideration the age of the product together with the amount paid for the purchase." Regrettably on this occasion First National will not be in a position to take this complaint any further, given the value and the type of product purchased. As a result we have closed our files on this matter." This company is worth millions and it makes me so mad that I can't get any satisfaction from them.

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Hi Goldengem.

 

First, the bad news. If First National's T&C state that you can claim on purchases over £100 as they only financed exactly £100 then you fall outside that category. In addition, the television is nearly 4 years old and the tube is only normally guaranteed for 12 months. Unless you took out an extended warranty there is not a lot that you can do. It falls into the "fair wear and tear" category. That is my opinion based on 38 years in the television and video service industry.

 

Now the good news. You can claim all the penalty charges back from the bank. On the statements, look for......

 

UNPAID OUTS.

U/AUTH OVERDRAFT FEE.

PAID REFERRAL.

 

All these can be claimed back.

 

First, spend a few days reading the FAQs and the step by step guide in the library section. That will answer most of your questions. Next, start your own thread in the Barclays Bank Forum and post any questions and progress reports there. You will be able to draw on the experience of users who are also dealing with Barclays.

 

Sorry about your TV, but good luck with your charges.

 

Regards, Rooster.

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Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

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Hi Rooster

Thank you for your very quick reply. Not sure if that was First Direct Policy

but was quoted by Trading Standards.

I will be posting under Barclays. Meanwhile have a very Merry Christmas.

goldengem

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Welcome to the site.

Rooster has good knowledge of your consumer issues so not much you can do really.

Personally I would much sooner buy a 3 year old Sony tv than the stuff they are selling cheap these days.

But I digress........I note you are on jobseekers allowance,there is something you can do to stop them touching your benefit payments.Its called a letter of Appropriation and is a simple way of protecting the cash.

You will find the letter in the bank library section and I would suggest if this is a problem for you that you send it.

 

Here is the link for youhttp://www.consumeractiongroup.co.uk/forum/bank-templates-library/42170-right-appropriation-stop-bank.html

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Just a couple of points about the Letter of Appropriation.....

 

You need to send it 7 days before EACH deposit that you wish to appropriate. Also a lot of bank workers don't know/understand about them so you may have to explain it to them.

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Have moved your posts into Barclays section and set up thread for you ;)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Sorry I cant't find where the thread has been moved to. I intend to get my 6 years worth of statements from Barclays (going into bank tomorrow) and taking it all the way. Thanks for the advice about stopping Barclays taking my benefit, but it is £20 per fortnight and I should be paying back the money I owe them. So I will leave it as it is for now. I have now read alot of things on this site, so I feel I am ready to start getting my money back.

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Went into Barclays today, and ordered statements for the last 6 years. They said they would take a fortnight to get to me and I would have to pay for them. But thats OK at least I have made a start in reclaiming my bank charges. There was an article in the local paper (Southend) some people got back £3000 from a bank.

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You should only have to pay the statutory fee of £10. Suggest you do a DPA SAR and take it in to the branch, and cancel your original order for the statements

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

Preliminary Letter sent to Woolwich 05/06

LBA sent 19/06

Court claim filed 04/07 : Total £824.75

Acknowledgement of Service 27/07

Defence received 08/08

AQ filed 11/08

Barclays AQ filed 05/09

Hearing date 20/12

SETTLED IN FULL £840.49: 14/12/06

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