Barclays - Reserve/Had Enough

JimBeam_2

@BarclaysManager - your attitude is typical of the provincial 'bank manager'. Always trying to be 'fair', extending that you can't have it both ways etc, etc...

I don't give a stuff about your new rules, services, fees, costs, opt-in or opt-out or whatever you want label your one size fits all appalling approach to service.

Try common sense on for size and see how that fits - not very well would be my guess. What's wrong with dealing with things on a case by case basis..? I guess it's easier to send out the 'service charge' then wait for the irate customer to come back to you. This kind of top down approach makes my blood boil :mad: and it should do yours to - it's your customers you're enraging!

To be fair we need people like you to add fuel to the fire of these forums when we're having a rant about the necessary evil of an industry you work in.

Unfortunately you just don't geddit, and I doubt you ever will.

Look forward to your pithy reasoned response.

Yours,
JB

simax

If you lot are not happy, why not switch banks? That's the only way they'll get the message?!?!?

Or is that too easy?

Extant

JimBeam wrote: »

@BarclaysManager - your attitude is typical of the provincial 'bank manager'. Always trying to be 'fair', extending that you can't have it both ways etc, etc...

I don't give a stuff about your new rules, services, fees, costs, opt-in or opt-out or whatever you want label your one size fits all appalling approach to service.

Try common sense on for size and see how that fits - not very well would be my guess. What's wrong with dealing with things on a case by case basis..? I guess it's easier to send out the 'service charge' then wait for the irate customer to come back to you. This kind of top down approach makes my blood boil :mad: and it should do yours to - it's your customers you're enraging!

To be fair we need people like you to add fuel to the fire of these forums when we're having a rant about the necessary evil of an industry you work in.

Unfortunately you just don't geddit, and I doubt you ever will.

Look forward to your pithy reasoned response.

Yours,
JB

Insulting a reply before it's even presented is rather childish. You might as well stick your fingers in your ears and scream "NO RETURNS!"

As said, if you don't like it - log a complaint and leave.

GiraffeMan

rlfan82 wrote: »

Thats a great trick that, having your head up your own !!!!!. :rolleyes:

Dont act like your better than everyone else, maybe people have more going on in life than planning every eventuality or reading Barclays poxy T&C's

If anything, it's people like you that convince me even more that Barclays is not what it was. Holier than thou, try some compassion or empathy from time to time, its a nice thing to do. Oh, I forgot, your a Banker. :think:

Well put, these clowns from barclays think they are so smart. They sit there smug yet wrong, lets see what happens when they have to refinance there debts to the middle eastern refinance in July..

StAnToN_2

GiraffeMan wrote: »

Well put, these clowns from barclays think they are so smart. They sit there smug yet wrong, lets see what happens when they have to refinance there debts to the middle eastern refinance in July..

Since when can you class someones opinion as wrong?:rolleyes:

Financially_Reformed

Whilst it has been amusing watching all the d!ck waving going on here, I actually have to agree and fall into line with BarclaysManager.... and I'm a Barclays customer.

I've been quite negligent of keeping an eye on my finances throughout uni and since I graduated (4 years ago...) and yep, got myself into trouble. Quite frankly I don't blame anyone but myself, and I started to make progress on getting myself back onto the straight and narrow so to speak. Almost fell off again recently, but got a call from Barclays (both Career Development Loan dept. and debt advice). CDL guys were really really good, loads of advice and very reassuring, the debt guy not so cool, bit of an arsey !!!! actually and wouldn't let me get a word in edgeways - complete piledriver effect to lecture me.

Whilst I didn't appreciate being spoken to like a child I think it probably did me good as I've re-registered to do online banking to keep a daily/weekly check on expenditure and am quite mindful of really getting back to sorting myself out financially especially with a new job.

So... I think the reserve has been good, if only to give me a kick up my backside and get it sorted - I don't have ill-feelings towards Barclays as ultimately I'm responsible for my situation.

KFV

I have quite a large student overdraft, I finished uni for good in may and had a good job lined up however I broke my foot and lost my job just before the summer and as a result had no income for 2 months. The fact that I had a reserve that I didn't want or need means that when I had a few bills go out that swallowed up my reserve I was left with charges that meant that I was constantly in my reserve and cant now scrape my way out of it.



I agree with those that say it should be an opt in scheme as if I didn't have a reserve I would have of incurred a couple of eight pound charges instead of being nearly £300 pounds over my overdraft.



I'm now stuck in a situation where I cant pay off these charges because I have other more important bills to pay. I cant just leave Barclays either as I cant afford to pay off the whole of my overdraft.



I think a charge of £22 every week is extortionate, I used my £150 reserve in one week and was then charged £88 for the first 4 weeks, that's the equivalent of 58.6% in interest every single month. This seems all the more ridiculous when the first £2000 of my overdraft is interest free.

deadthings

I was thinking of joining Barclays for an account, but having read some of this, and looked into this Reserve scam they have going, I'm A: Going elsewhere and B: Going to tell everyone I know what a rip off Barclays is.

KFV's case pretty much sums up what is wrong with the new system.

If Barcs really wanted to help, it could ensure no payments were made if there was insufficent funds, but then do so without charging a 'bounce' fee. But no! They would have to charge a fee if it were bounced, because a computer originated refusal and auto letter costs £35 doesn't it!

It's still a means to gain money from customers without actually offering them a system that helps them avoid costs in the first place!

No one is saying pay it here, we're just saying refuse if you have to, but don't charge us these fake fees for the sake of refusing to pay something! Is that so hard to bloody understand???

D.

poorgirl-54

i hate barclays!!!!!

poorgirl-54

barclays are theives!

what i dont get is banks and building societies are supposed to look after your cash, give you the best advice and better financial returns in turn for you and thus they win your cash and win loyal customers.

its ironic how these financial institutions don't look after your financial interest, or give you the best advice, in turn rip you off any chance they get, hide behind terms and conditions and policy, which they themselves are not aware of most of the time. In turn you are financially poorer and more frustrated.