Old Barclays terms and conditions wanted

[MARTIN3030]

If you have any old Barclays T&Cs can you please post here with details.The older the better.

In addition if you have other account Terms and conditions please let us know.

You can post here or pm a Mod or Sitehelper.

 

Thanks

[thecolourofmoney]

Hi Martin.

 

Im at MCOL stage with Barclays and today received a letter stating charges fair etc and no offers being made.

 

My girlfriend read the letter to me over the phone so I haven't seen it yet however, within the letter it says I agreed to all T&C's and if I want a copy to call into my local branch.

 

I rang the number on the letter 0800 282 390 and spoke to Lisa Sutcliffe. I asked for a copy of my T&C's and she agreed straight away that she would post these today.

 

My account with them opened in 1992 and closed in 2005 so not sure what T&C's I will be sent.

 

Hope this helps.

 

TCOM

[chorlton1]

Have done the same though the barclaycall number 08457 345345 and Barclays sent me T&C's from 1995.

I think I have binned them now but will try and get them again.

[jwlanky]

Here is the Barclays T&C for personal overdrafts for Jan 2001

 

Here is the Barclays T&C for personal overdrafts for Dec 2003

[oneofakind]

Anybody read jwlanky's pdf above?

 

'Barclays Bank Account customers have a fee-free buffer of £100'

 

I don't remember THAT from 2001, when I was arguing with my newly-ex and trying to keep a roof over me'ead! :mad:

 

They were stinging me £20/£25 every time I went a fiver over!

 

Are you a gold/platinum customer, jwl?

 

Or was this 'New customers only' perhaps?

 

:confused:

[oneofakind]

found my o/d T&c's from 18/04/06.

 

I'm sure someone can do better than that...

 

Oh, they already have!

 

[dar£n]

I have just emailed my Barclays contact for T's & C's for 1993.

 

will let you know later.

[Johnsworld]

Hi Da£en,,

 

I have to submit my bundle by Friday but given the Lloyds decision and the earlier posting about Barclays claiming charges are fair and making no offers I'm worried about it.

 

I've got all the correspondence, copies of statements, latest schedule of charges and used the CAG bundle. I decided to include a witness statement so that I could reiterate my case and ask the judge to consider standard disclosure. I have also added the clause 4.21 to the OFT summary trying to pre-empt any suggestion that the penalty charges were for a service.

 

I wonder now if I should include T&C, but I can only find the ones on the current Barclays website. Also I don't get why it's significant. I understood the argument that the charges didn't reflect the true cost but if the bank switches the argument and the terms and conditions say that they will charge you £30 what is it that makes it illegal?

 

I could do with some help. It's all a bit last minute I know. The only fall back I have is that the Judge has deemed the case suitable for mediation and my file has been passed to them. I don't want to go down that road but if my bundle is weak it's better than nothing!

 

Your advice has been solid mate and I have confidence in your judgement. I just hope you get this in time.

 

Thanks,

John.

[dar£n]

what is it that makes it illegal?

 

Whoooaaaa!!!!!!! STOP RIGHT THERE!!!!

 

YOU CAN NOT STATE THAT THEY ARE ILLEGAL.

 

They ARE recognised as being unlawful,,,big difference.

 

DO NOT STATE THIS IN THE COURTROOM, they will rip you to bits.

 

They are classed as unlawful because Barclays cannot, will not show how the achieve the figure for each charge

where in fact it has been disclosed that such a charge actually costs no more than £2.50 and charging £30 for the same thing is unfair as the bank MUST NOT profit from issuing a penalty charge

 

Anyway, dont worry too much, youre almost at the done deal, as soon as you get closer to your date, give em a call.

[Johnsworld]

Mate,

 

I knew you'd come through for me. Thanks for making the distinction.

 

You really are a star even when I ask dumb questions,

 

Thanks again.

 

John.

[jwlanky]

Anybody read jwlanky's pdf above?

 

 

 

I don't remember THAT from 2001, when I was arguing with my newly-ex and trying to keep a roof over me'ead! :mad:

 

They were stinging me £20/£25 every time I went a fiver over!

 

Are you a gold/platinum customer, jwl?

 

Or was this 'New customers only' perhaps?

 

:confused:

Sorry about the late reply.

 

The account was a bog standard account. I had been with Barclays for years before, but this was a new joint account which we opened - so new T&Cs.

 

EDIT Dec 2003 T&Cs added to original post

[dar£n]

Posted yesterday

I have just emailed my Barclays contact for T's & C's for 1993.

 

will let you know later.

Received today...told you shes good at replying.

 

Her reply

I do not have details of who to contact to request a copy of the terms and conditions. I think your best bet would be to call customer relations and they may be able to give you this information or if not then direct you to the right place. I do not have access to this information myself. I only have the number for the switchboard here which is 020 7116 1000 and ask for customer relations.

 

Not the answer we were looking for and I personally do not think they will send out old versions, they will simply advise to refer to the new updated ones.

our only hope is someone has them stashed in the loft, or a very good accountant has them.

[jwlanky]

Ill have a look for more old t&cs t home later. I don't think ive ever thrown anything semi-official out from the bank (just in case - for situations like these;))

[MoneyKing]

HI

 

I can not download any of the old terms a condtions fiels posted, can any one help thanks

[Rhibox]

Anyone got old T & C's?

Been looking for mine but nothing!

Has anyone been sent T & C's from Barclays after phoning for them yet?

Will be phoning for mine later, opened my account in 1999, are they supplying T & C's for occounts opened back then?

[thecolourofmoney]

Hi,

 

I received the lastest booklet on T&C's yesterday. My account was opened in 1992 however the principal remains the same.

 

The customer relations manager assured me that the T&C's haven't changed but the amount of penalty charges may have, either way the £15 charge in 1999 was still unlawful and therefore should help our cases.

 

TCOM

[MoneyKing]

Are you sure the bank said they have not changed? See my post

 

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/90521-lloyds-victory-birmingham-perspective-3.html

 

 

Of course they have, they have been reworded and are always being updated. They have just fobbed you off and whats worse is they have potentially lied, I would like them to make that statement in court, under oath!

[thecolourofmoney]

Hi Moneyking,

 

I just posted what I was told but like all statements from banks you take them with a pinch of salt.

 

Unless someone can produce very old T&C's most of us will remain the dark. I agree that the "fee for service" paragraphs appear more prevelant now in the T&C's....

 

I was thinking of putting the latest T&C's in my court bundle (claim is 1999-2005) in light of what you have stated this appears not to be a wise move?

 

TCOM

[MoneyKing]

I am not qualified legally, so of course I can not advise, but from my point and following on from the recent loyds case, it appears that the claimant was not able to convince this judge that charges were in fact a penalty. The judges decision was based on the latest T&Cs from loyds website (of course these will now have been updated). The new barclays ones do now make it sound more like a service, making it harder to prove it is a penalty. However, even if theyplaywith service charge, they still do appear to be unlawful (based on what i have gathered from reading around). Sounds good, but from what I can tell it might become very difficult to prove how much the service should be charged at and therefore on a bad day (like that judge) might rule against you. Even still I think with an appeal the banks stand no chance!

 

At the end of the day, I dont really think it matters too much unless you are unfortunate enough to be at the wrong place at the wrong time

[Johnsworld]

Who knows? The Lloyds judge wanted to see T&Cs so I figured I'd

include the latest T&Cs in my Barclays bundle because at least it shows there are charges applicable. I figure it might also allow me to introduce older ones if I can find them and they were in force during the time of my claim.

 

I've countered the argument of services in my Witness Statement in case they go down that road.

 

I reckon we could all ponder our bundles ad infinitum and there'll always be something. I just hope for a fair hearing.

 

I can't sweat it any longer. I've run out of time. I have to take mine to court now! This afternoon! What I've got, I've got. What I've done, I've done my best.

 

Regards,

John.

[dmb]

He who dares wins!!!!

 

Good luck John

 

Couldnt let me know where you found the OFT summary(clause 4.21)

 

Thanks

 

dmb

[Johnsworld]

I just can't get out of the door. Still hanging on for inspiration see!

 

Here's the place for OFT, all 36 pages.

 

http://www.oft.gov.uk/shared_oft/rep...cts/oft842.pdf

 

 

That's it. I'm off. Will check in later.

 

John.

[dmb]

cheers!!!!!!!!

[saintly_1]

While looking for something completely different I have come across my original Barclays additions pack with Terms and Conditions May 1996 if they are any help to anyone.

[CAZKATJOE]

I think there is a thread going for terms and conditions now, i will have a look and post back to you