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Barclays - internal score + pre approved offers: advice pls!
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BartGirl
Posts: 510 Forumite
I have a current acc with Barclays which i have an OD on - that i rarely use.
Earlier this month someone nicked my bank details and made payments of roughly £200 that ended up taking my acc overdrawn but still within the overdraft limits.
Until this is all sorted - i remained in the OD until funds were returned to my account.
In the meantime i noticed that all my 'pre-approved offers' were no longer available - I am assuming that is because my internal score with Barclays has now been affected due to going overdrawn.
My question now is:
How often is the internal score looked at - and how can i 'rectify' this problem?..cos i was looking to take advantage of the pre-approved offer in the New Year...:mad: now this....
Earlier this month someone nicked my bank details and made payments of roughly £200 that ended up taking my acc overdrawn but still within the overdraft limits.
Until this is all sorted - i remained in the OD until funds were returned to my account.
In the meantime i noticed that all my 'pre-approved offers' were no longer available - I am assuming that is because my internal score with Barclays has now been affected due to going overdrawn.
My question now is:
How often is the internal score looked at - and how can i 'rectify' this problem?..cos i was looking to take advantage of the pre-approved offer in the New Year...:mad: now this....
CC1: [strike]1,500[/strike] CC2:[strike]£830[/strike] Vanquis [strike]£1500[/strike] £2000 left
S.Elec: [strike]£258[/strike] £ 0
CT [strike]1734.52[/strike] £ 0
Ebay £ 10.00 /MystShop £ 17.00/Quidco £ 0 so far!
S.Elec: [strike]£258[/strike] £ 0
CT [strike]1734.52[/strike] £ 0
Ebay £ 10.00 /MystShop £ 17.00/Quidco £ 0 so far!
0
Comments
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I'm sure if your account details have been compromised or you have been subject to a fraud then all the offers are temporarily suspended until it is sorted out. This is to protect you and Barclays from the fraudster taking advantage of the offers possibly and getting even more of your/their money.
Wouldn't worry. I'm sure if you did need a loan a human being would be able to re-instate the offers if the fraud isn't sorted out by then.
R.Smile
, it makes people wonder what you have been up to.0 -
limits as they're called in b/lays are looked at on a monthly basis and they refresh over the 1st weekend of the month0
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How did they get past the pin sentry thingy ?
Was you card stolen, as well ?0 -
My question now is:
How often is the internal score looked at - and how can i 'rectify' this problem?..cos i was looking to take advantage of the pre-approved offer in the New Year...:mad: now this....
The "internal score" is a continual assessment. The limits that are displayed in branch are refreshed on the first Monday of every month. So you shouldn't be affected as of yet.
If your money was lost through direct channels (online, telephone, etc.) then they may be "turned off" for fear of your identity having been compromised.
I really wouldn't worry - just make your application when you intended to as normal, and if it declines, just appeal it and state why you went overdrawn etc. Although the majority of our decisions are automatically assessed, there is still a group of people who will "manually" assess your application and they will look past a case of fraud and look at your own behaviour.What would William Shatner do?0 -
Yes the money was lost thru 'direct channels' - i first noticed several payments to O2 mobile then when called internet banking to query - they informed me that there were further payments pending - which i definetly had not made..
I appreciate all your input everyone..CC1: [strike]1,500[/strike] CC2:[strike]£830[/strike] Vanquis [strike]£1500[/strike] £2000 left
S.Elec: [strike]£258[/strike] £ 0
CT [strike]1734.52[/strike] £ 0
Ebay £ 10.00 /MystShop £ 17.00/Quidco £ 0 so far!0 -
Well..the first Mon of the month has been and gone...no adjustment to my pre-approved offers though...
How can I find out if this has happened thru something Barclays has done cos of the fraud issue?CC1: [strike]1,500[/strike] CC2:[strike]£830[/strike] Vanquis [strike]£1500[/strike] £2000 left
S.Elec: [strike]£258[/strike] £ 0
CT [strike]1734.52[/strike] £ 0
Ebay £ 10.00 /MystShop £ 17.00/Quidco £ 0 so far!0 -
I'm just bumping this up as i'd like further advice please..
My pre-approved offers have never been reinstated since this incident! I was looking to apply for a loan..
I'm hoping on Mon that this'll have improved - since they're meant to be adjusted on 1st monday of every month ? Anyhoo..
I'd been in the branch discussing ISAs etc with a PB who mentioned that if the loan is a pre-approved offer then its 98% likely i'd get it...does that sound right or was he looking to boost his commission that month!
ALSO- would they do a credit check if you have a pre-approved offer? cos i know my credit isnt that good :-( but have handled my curr+savings acc with Barclays alright..
ALSO-can you request a loan in branch as opposed to online - would that better your chances; dealing with a Human Being? I have a reasonable wage and been with Barc almost 5 years. Rarely 'dip' into my OD...any advice appreciated..CC1: [strike]1,500[/strike] CC2:[strike]£830[/strike] Vanquis [strike]£1500[/strike] £2000 left
S.Elec: [strike]£258[/strike] £ 0
CT [strike]1734.52[/strike] £ 0
Ebay £ 10.00 /MystShop £ 17.00/Quidco £ 0 so far!0
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