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Unused Sole Trader Barclays Account Accrued Fees and Interest


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Hi

I'm after some advice.

I had two business accounts with Barclays, one a sole trader and a Limited Company account.

I had some overdrafts active on both in 2020.

As the first lockdown progressed, my business was no longer viable,  I made moves to close my business and accounts. I cleared the overdrafts and I am sure I requested to have both accounts closed. 

I checked my personal spam folder a couple of weeks ago and saw that there was an email from Barclays saying I was possibly overpaying for my overdraft facility.

Calling them up I discovered that my Sole Trader account had not been closed and had been accruing bank charges and interest of which the balance was £616.79.

They have just written to me to confirm upon investigation:

  • I called in December 2020 and requested for both limited and sole trader accounts to be closed. I was advised that accounts need to be brought to nil before this is completed
  • After gathering the funds to cover the overdraft, I called again in June 2021 and cleared the balance. They have said that during the call I did not request for the Sole Trader account to be closed, only the Limited (this may be true but I am unsure).
  • They have continued to email statements to me (these again were in spam folder).
  • As such it will continue to accrue fees and interest until cleared. The only charges on this account in this time have been fees and interest - I have not made any transactions myself. 

I'd be grateful if anyone could advise on how to approach this with Barclays.

Many thanks. 

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send them an SAR.

get proof they were told from their comms log.

then pay nothing.

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 month later...

I received a letter from them last month saying thank you for request for copies of phone conversations.

To assist their search, please provide as many details on specific calls I am interested in as possible

"Please note we are less likely to be able to locate calls more than 12 months old and all calls are provided on USB format".

They sent a link to provide more information.

The SAR came last week.

I've looked through multiple times and can't see the call referenced in the March letter - the 2021 call to cancel the accounts. 

Should I input the details for the 2021 call specifically on that link or keep everything to letters?

Many thanks.

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not looking very hopeful then...

there is usually an account comms or manual intervention notes where call  operators have typed notes.... not in the SAR?

dx

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Just had another look through but I can't locate anything like that.

They did, in a previous letter, reference my call in June 2021 but I cannot see this referenced in what they have sent

. Worth requesting this specifically do you think? 

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4 hours ago, engineering dispute said:

They did, in a previous letter, reference my call in June 2021

scan it up to pDF

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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as everything on the ac is their unlawful penalty fees and the interest they have accrued , i would now simply ignore them.

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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as said the FOS cannot send you info they received from whom you are complaining about if they refused the FOS permission to do so.

they are sort of pointing to why did YOU not gather all the info first, before coming to us.

your first action should have been an SAR to the bank.

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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