Barclays Fees

shirlgirl2004

I logged on to my Barclays account today to find I am overdrawn. I have a £1k overdraft limit which I never use and a £500 reserve facility. The problem arose because I transferred £1,300 from my Barclays account to my Alliance and Leicester acc. Because of the way A&L work the transfer is done from their end rather than using Barclays site. Anyway the transfer went through twice so now I'm £1,100 pounds overdrawn.

Before anyone suggests it I didn't click twice. I do recall there was a problem (timeout) when I tried to do it so I checked that the balance hadn't reduced on my Barclays account and then did it again. The transfers only took place Friday and the funds haven't actually cleared in my A&L account so I can't even transfer them back again yet.

I have moved money from another account to clear the reserve facility (keeping up with me?) but don't have access to enough to clear the overdraft. I've been charged £22 for use of the reserve facility plus obviously there'll be interest to pay too.

So the question! Is there any hope of me getting the fee / interest payments refunded from Barclays or A&L?

ShelfStacker_3

Is it a Direct Debit? If so, claim from Barclays under the Direct Debit indemnity scheme, as the payment going through twice was an obvious mistake. They'll give you a refund, if not immediately then within a few days.

shirlgirl2004

No not a DD. It was a payment/transfer I initiated throught the A&L website.

ShelfStacker_3

shirlgirl2004 wrote: »

No not a DD. It was a payment/transfer I initiated throught the A&L website.

If you initiated through the A&L website (i.e. the money was "pulled") then most likely it's a Direct Debit underneath. Pursue the indemnity thing.

However, chances are Barclays won't refund your fees. They've now got a policy of not refunding any fees, although I'm not sure if they'd be more lenient in this case since it isn't actually your fault.

shirlgirl2004

Ok Thanks it's worth a try.

YorkshireBoy

shirlgirl2004 wrote: »

Before anyone suggests it I didn't click twice. I do recall there was a problem (timeout) when I tried to do it so I checked that the balance hadn't reduced on my Barclays account and then did it again.

You wouldn't have seen the transaction immediately on Barclays, so no point checking that.

When (if) this happens again, check your A&L 'activity log' to see if your payment was successful. The activity log lists everything you've done since being logged on and, with further interrogation, everything you've done over the previous x months.

I'm not sure the DD guarantee will help you (nor whether A&L will indemnify Barclays when asked) because these were user-initiated DD pulls, but good luck anyway.

shirlgirl2004

YorkshireBoy wrote: »

You wouldn't have seen the transaction immediately on Barclays, so no point checking that.

When (if) this happens again, check your A&L 'activity log' to see if your payment was successful. The activity log lists everything you've done since being logged on and, with further interrogation, everything you've done over the previous x months.

I'm not sure the DD guarantee will help you (nor whether A&L will indemnify Barclays when asked) because these were user-initiated DD pulls, but good luck anyway.

I realise now I wouldn't have seen it but when I do transfers between my other accounts (Barclays, Egg and RBS) I see the transactions straight away. I foolishly thought I would have with A&L :mad: .

I'm going to have to call A&L anyway because I want the money transferred straightaway to minimise interest payable.

YorkshireBoy

shirlgirl2004 wrote: »

I realise now I wouldn't have seen it but when I do transfers between my other accounts (Barclays, Egg and RBS) I see the transactions straight away.

Even with a DD pull?

I'm going to have to call A&L anyway because I want the money transferred straightaway to minimise interest payable.

I'm not sure they'll be able to do that. Funds pulled into (savings) accounts via DD are generally 'quarantined' for a period, because DD's can be, and often are, recalled (you may find Barclays are already pulling the second one back anyway). Check your T&C's but I believe it could be as long as 3-4 days.

shirlgirl2004

Just called A&L. They say they can do nothing until it clears. As it hasn't cleared I was advised to try to get it cancelled under the indemnity scheme (as obviously already advised here). Guess I'll have to speak to Barclays tomorrow.

Wish me luck :rolleyes:

danechip

Good luck, and don't worry. You will get your charges revoked.

shirlgirl2004

YorkshireBoy wrote: »

Even with a DD pull?I'm not sure they'll be able to do that. Funds pulled into (savings) accounts via DD are generally 'quarantined' for a period, because DD's can be, and often are, recalled (you may find Barclays are already pulling the second one back anyway). Check your T&C's but I believe it could be as long as 3-4 days.

No I don't have to do DD pull with the other accounts.

I assume Barclays aren't pulling the other one back because the £22 charge is already showing on my account dated the 17th :mad:

I'm hoping if I can get on the 'phone early tomorrow then there won't be any excuse not to refund the charges.