realy need some help with barclays :(

jakemuk

Firstly, Please if your not going to say anything constructive then dont as im sat in tears typing already,

OK back in 07 i had a barclays business account, Fraud took place on the account and i reported it to business manager, she said cus it was paypal they wont investigate it, As the account was slightly OD as it was i told her i would pay the 200 if they investigated the fraud but wouldnt pay me the fraud ammount,

Never heard back from, Then fast forward to know, Last week got my credit report saw barclays had put a default on me for 600 quid back in 07, So i called the bank to try and get it sorted and managed to sort it out that they would drop the fraud and i would pay the 200, and theyd call it quits, But they still want to keep the default for the full 600 on my file !.

It turns out they only made one phone call and never sent me a default notice before placing my account into default, Therefore on there part hardly trying to make contact with me to recover the money or giving me opportunity to resolve it

So i raised an official complaint, to which nothing happend, And then i decided to email john varley the ceo, One of his assistants have responded with this

Thank you for your e-mail to our Chief Executive John Varley, who has passed your e-mail to me so that I may respond on his behalf. I am sorry to hear of the difficulties you have encountered and I realise you are seeking to resolve this matter quickly.

I have taken the time to review the circumstances surrounding this situation and I understand that you are looking to repay our Branch Recovery Unit (BRU) £201.73 in early settlement of the overdrawn balance of your account. You have not been contacted by the Bank to facilitate this payment and this is beginning to cause you some anxiety.

Having spoken with BRU, they have advised me that they spoke with you on 7 January 2009, where you agreed to make the payment of £201.73 by telephone but as you were waiting for a new debit card for your personal account, you were unable to do so at that time. I can see a new Connect card was generated for your personal account on 7 January and if this has not arrived it will be with you shortly.

To make this payment by telephone, you should call us on 08448 114 485, where we will be able to assist you. Alternatively, you can make the payment via your local branch by filling out a Bank Giro Slip and making a payment to Barclays Collection Account 201205 / 98210039, quoting reference XXXXXXXXXX. I trust this is helpful.

Turning to the remaining points of your e-mail regarding the default applied to your credit file for this account. I am sorry to disappoint you but we are unable to remove any information recorded regarding this file. We are obliged to record activities such as this appropriately and to the relevant bodies. However, once the debt is settled, we will update your credit file to reflect that.

You have asked us to re-open your business account but I'm afraid we are unable to do so. If you would like to apply for a new business account you can do so through your local branch, which is of course subject to the Terms and Conditions of our application process, part of which we draw on external references from credit reference agencies.

I note your request for a form of monetary goodwill from the Bank, and after consideration I do not believe it is justified or appropriate on this occasion.

I hope this explanation will provide you with some clarity to the circumstances you have explained.

There are some regulatory matters I am obliged to bring to your attention and can be found in the following paragraphs.

If you feel there are further issues I need to consider, please contact me on my direct telephone number 020 XXX. XXXXX If you are dissatisfied with my proposal for resolving your complaint you may ultimately be eligible to refer to the Financial Ombudsman Service.

Please find attached a copy of our complaints leaflet, which explains our complaints process and provides details regarding the Financial Ombudsman Service.

In accordance with our standard practice unless I hear from you to the contrary within eight weeks from the date of this letter, I shall assume that your complaint is resolved and close my file.


I just rang the gentleman concerned, and basicly broke down in tears, Im a small business i cant afford to take on barclays and they know it, I realy do not know where to turn, Ive made the payment a few minutes ago, But she said they will update the credit records when there done, Her attitude was disgusting i lost my rag at the end and swore slammed phone down.
I realy realy do not know what to do, It has caused me great deal of stress and upset, And alot of pressure that i dont need,

Is there anything i can do what wont cost me the earth ?

Extant

You can go to the Financial Ombudsman Service, as outlined in the e-mail and the attached pamphlet, to see if they will accept it as a case.

I will save my opinion otherwise.

jakemuk

Is that my only course barclays even though you failed to send a default notice and no record on the system as on ever being sent ?

agsnu

The FOS is free for you to use, so I don't understand how you arrive at the conclusion that you "can't afford" to take it further.

agsnu

jakemuk wrote: »

Is that my only course barclays even though you failed to send a default notice and no record on the system as on ever being sent ?

I don't know who you're asking here - BarclaysManager is just someone who happens to work for Barclays, and is neither qualified nor authorised to speak on behalf of them.

jakemuk

well how does the fos work

Extant

jakemuk wrote: »

Is that my only course barclays even though you failed to send a default notice and no record on the system as on ever being sent ?

Please see what agsnu said: I am a former branch manager for Barclays, and I now work in Barclays Commercial Bank. I do not speak for Barclays (see below) and I do not know your case or situation.

However, the e-mail you received was written by a member of our customer relations team, and unless you are going to contact them again, then it should be considered a final response from the bank. If you feel you have additional information, for example, you may wish to contact the person who wrote to you again - but do not expect their decision to change.

As a final response from the bank, you can then proceed to the Financial Ombudsman if you are not happy with Barclays' response.

Extant

jakemuk wrote: »

well how does the fos work

Refer to the attachment - there are fulls details, including contact information, for the Financial Ombudsman within.

jakemuk

ok well it seems that i need to escalate to the ombudsman, To get this resolved once and for all

hippey

I assume you rang BRU, who were well know for their hard line on these matters and could be very sharp.

Like everyone else has said, you can take on the bank, and often win.

But as I always recommend, be calm and collected when you call them or write a letter, it does help alot. The FOS service is there for everyone so give it a go, you have nothing to lose.