Barclays - Useless, or very very sneaky?

mattymoneysaver2008 wrote: »

As most people know barclays introduced a "personal reserve" onto thier accounts. I had only just started uni at this time and was nowhere near my overdraft limit and didnt ever intend to be, so i ignored the letter and didnt cancel it.

over the year my spending got a bit excessive (as it sometimes does at uni) and i ended up hitting my limit. I received a letter informing me i was into my personal reserve and that id be charged £22 for every 5 day period i remained in it. luckily i was paid the next day.

I decided to go into my branch to cancel a few direct debits, move some money around and generally tidy up my finances. The lady on the desk was very helpful with everything, and i also asked her to cancel my personal reserve, she said this was all done i left very happy.

a couple on months later, another letter, another personal reserve charge. slightly miffed and annoyed i went straight to my branch. i was greeted by another friendly and helpful member of staff, who was very apologetic. She logged the incident as a complaint as an attempt to get me my money back. she also cancelled my personal reserve for me. I remember joking around with her, asking if she was 100% certain, wanted to ask the audience, "yes its definatley cancelled" she said.

i mananged to sort my spending out and was slowly digging my way out of my overdraft, untill i lost my job a few months ago.

i soon found myself back in the red, and yesturday, another letter. "you are now using your personal reserve".

now this happening once could just be a basic clerical error, which is why i wasnt too bothered.

But twice? are they just doing it purpose to get the most they can out of me?

I will be going into my branch tomorrow and this time im getting it in writing :mad: