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  • FIRST POST
    • XEO25
    • By XEO25 7th Jul 17, 4:22 PM
    • 100Posts
    • 33Thanks
    XEO25
    Barclays decline first attempt
    • #1
    • 7th Jul 17, 4:22 PM
    Barclays decline first attempt 7th Jul 17 at 4:22 PM
    Hello

    After reading Martin's bank charges reclaiming guide, I wrote to Barclays (using the MSE template) yesterday, under financial hardship guidelines (which I am well and truly in - and have been for several years).

    My claim was for just under £4,000 of charges over the last 6 years, covering returned DD's and guaranteed payments which had bounced.

    This morning I received a call from Barclays who advised they would not refund any charges due to the court ruling - even if they accept I'm in financial hardship. They did offer a goodwill payment of £77 (last 12 months charges), but said I would have to drop my case if I accepted, which I did not. None of my charges were for exceeding my overdraft as Barclays discovered today that I am not paying any overdraft fees due to an error on their part (but I will be moving forward, at £0.70 p/day!)

    Based on above info, is it worth pursuing this via the Ombudsman? I don't understand why Barclays would pay out if they have previously stated they won't - does the Ombudsman have the power to force a bank to repay charges?

    Thanks
Page 1
    • societys child
    • By societys child 7th Jul 17, 8:09 PM
    • 4,550 Posts
    • 4,851 Thanks
    societys child
    • #2
    • 7th Jul 17, 8:09 PM
    • #2
    • 7th Jul 17, 8:09 PM
    does the Ombudsman have the power to force a bank to repay charges?
    Normally no, the banks won the court case but if there was an error, who knows.

    • -taff
    • By -taff 7th Jul 17, 9:15 PM
    • 7,353 Posts
    • 4,784 Thanks
    -taff
    • #3
    • 7th Jul 17, 9:15 PM
    • #3
    • 7th Jul 17, 9:15 PM
    No, it's not worht pursuing , the Ombudsman has no say in bank charges, since the banks won a court case in 2009.
    • XEO25
    • By XEO25 8th Jul 17, 2:59 PM
    • 100 Posts
    • 33 Thanks
    XEO25
    • #4
    • 8th Jul 17, 2:59 PM
    • #4
    • 8th Jul 17, 2:59 PM
    So when Martin's guide says 'the first rejection is just another step in the dance' - this is incorrect? Very frustrating as I've just turned down a £77 good will offer based on MSE's advice.
    • -taff
    • By -taff 8th Jul 17, 3:59 PM
    • 7,353 Posts
    • 4,784 Thanks
    -taff
    • #5
    • 8th Jul 17, 3:59 PM
    • #5
    • 8th Jul 17, 3:59 PM
    Well, you can always tell them you've changed you mind and see what they say.

    Martins advice is smetimes out of date, usually simplified too much.
    Martin no longer owns this site, so it's the new site's owners you'll have to take this up with because at the time of writing, Martins advice was correct.
    • Chalkius
    • By Chalkius 10th Jul 17, 10:30 PM
    • 77 Posts
    • 28 Thanks
    Chalkius
    • #6
    • 10th Jul 17, 10:30 PM
    • #6
    • 10th Jul 17, 10:30 PM
    The FOS can't make them refund charges unless they were applied in error. What they will look at is if once they're made aware of your circumstances, if you're in difficulty, that they treat you fairly and reasonably. So refunding a portion of charges as a goodwill gesture goes towards that. (Also I think their charges are 75p a day!).

    You can take it to the FOS but you're unlikely to get anymore than the goodwill gesture and a recommendation to engage with Barclays financial assistance team. Call Barclays up and advise them you want to accept the offer, see what they say.
    • safestored4
    • By safestored4 10th Jul 17, 10:52 PM
    • 411 Posts
    • 378 Thanks
    safestored4
    • #7
    • 10th Jul 17, 10:52 PM
    • #7
    • 10th Jul 17, 10:52 PM
    It is of course quite possible that after looking at the pattern of your expenditure Barclays do not consider that you have reasonable grounds for claiming hardship and have decided to make a relatively cheap goodwill offer to keep your custom.
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