Furious with Barclays Bank... (charges)

BeenieCat

FREDTHESHREDXXX wrote: »

So what? The problem is? Half the people on here come across as egocentrical maniacs yet people still listen to them like their god!!!!!!!!!!!

There is no problem, i was just saying. Chill out.

Jaymo

Personally - I have no complaints with Barclays, they've always been good to me and helped me out when I have had problems in the past. I also own shares in them and recently started working for them.

My only complaint is people who keep phoning through to the lost and stolen department trying to find out their balence, complain about a charge or some other non-related manner. You can get through to L&S straight away because its for people with an emergency where they're account is at risk of theft and fraud. Show some respect to other people please. Sorry to rant but today at work I took over 400 phone calls and 40% of them were people complaining about waiting 10 mins to talk to someone....to be honest its not maccyd's - i try to give a personal touch to each customer I speak to and every person who has phoned up with a complaint I have gotten them to laugh, cheer up and be rather pleasent. Not bigging myself up - I'm kinda defending the staff of Barclays because I have always found them helpful and most complaints are because the customer did something wrong themselves and just wants to shout/swear at someone. If someone rings me shouting the odds I gurantee you I will not apologise to the customer over the phone for their problem because it personally isn't my fault it is either the banks or the customers. Not mine.

If anyone does have any questions I will try my best to help but as I work in Lost & Stolen my knowledge is limited but I can always ask people at work if I get a spare min or 2 (I wont look at peoples accounts or anything of that nature so please dont ask me that question ever).

Really sorry to rant but over 2000 calls this week and I'm a little tired of people wasting my time when I could be helping someone who is actually in need of help sorting out a stolen card.

Thanks all

opinions4u

Jaymo wrote: »

Sorry to rant but today at work I took over 400 phone calls .... i try to give a personal touch to each customer I speak to and every person who has phoned up with a complaint I have gotten them to laugh, cheer up and be rather pleasent ... Really sorry to rant but over 2000 calls this week and I'm a little tired of people wasting my time

Assuming you spend two minutes on each call, that's a typical shift of over 13 hours a day before breaks, 65 hours a week.

Assuming you work a typical 35 hour week you are spending approximately 1 minute with each customer.

I admire your ability to provide such a personal service within such timeframes. It is possibly one of the great employee achievements of our time.

digitalphase

bendix wrote: »

If you're not good with numbers, use a calculator.

Yes, I agree with that. My calculator is my friend :rotfl:

jambosans

BeenieCat wrote: »

Whether this was "earmarked" shouldn't matter, it was spent, it was debited, it was still in credit UNTIL they removed charges. So my point is, it was not Morrisons that took my account overdrawn, it was bank charges.

But it does matter, as I've already explained. When you use your card it does not instantly debit your account, it is earmarked. As I've said in my previous reply to you, earmarked funds are not guaranteed to debit the account, so even though you knew they would debit, Barclays did not. Therefore (which is fair) Barclays will only charge you when an earmarked transaction physically debits your account.

So just to clarify, an earmarked amount is simply a courtesy letting the bank and customer know this amount may debit. Morrisons do not get their money when the funds are earmarked (this is more a promise to pay on demand), they get their money when it debits the account.

I feel I'm never going to get this point across seeing as you've already chose to ignore my previous explanation. Your point is flawed for the aforementioned reason above, and the reality is, Morrisons caused the additional charge, not the previous £16 charges.

BeenieCat

No, i understand what you're saying, but the bank should consider the funds "spent" as this is just a way for them to do stuff like this! In this day and age, why isn't the payment instant?

jambosans

BeenieCat wrote: »

No, i understand what you're saying, but the bank should consider the funds "spent" as this is just a way for them to do stuff like this!

If you understand what I am saying then you wouldn't be responding the "bank should consider the funds spent" because I have counter argued this point twice. For the third time, such is the nature of earmarked funds that your bank has no way to confirm this is a guaranteed transaction. Let me give you an example: due to an error at check-out Morrisons post two identical amounts to be earmarked against your account. A few days later when the payment is collected, the error is corrected, and only one amount debits. The duplicate earmarked amount automatically drops off (usually within a few days) and is made available to you again.

As for the "this is just a way for them to do stuff like this!", yes, well done, it is a massive cover-up. The merchants, Visa, Maestro, and the banks are all in it together. I wonder how much the other parties involved get from the £8 Barclays have charged you?

BeenieCat wrote: »

In this day and age, why isn't the payment instant?

From my limited understanding this is to do with online and offline debit cards. There are multiple reasons for why transactions don't debit instantly - cost to merchant for online transactions, amount being spent under merchant's floor limit, etc.

The reality is, this is the way the debit card system works, and for most people funds debiting a few days later is not an issue. It is your responsibility to keep track of what you're spending and what may be due off.

What this argument is always going to come back to is you didn't budget correctly. It is unfortunate timing and persisting to argue an invalid point about the transaction from Morrisons not debiting instantly, isn't going to work.

BeenieCat

Well it might have helped if they had told me exactly when they were going to take the £16 charges rather than me having to just 'wait and see'. For a start they said after my next statement, and yet they removed them before i'd received one. It's hard enough budgeting whilst on benefits, without having an emergency crop up and being debit charges when they weren't supposed to be debited.

And the Morrisons money DID debit instantly, from my available balance! I would accept it more, had they not taken anything from my balance til it had gone to Morrisons a few days later. Now that i could let go, but i'm peed off at how they've done it. They wouldn't have let me drawn more money out via a cash machine straight after the Morrisons transaction, as my available funds werent there, so same rules should apply for the charges IMO.

jambosans

BeenieCat wrote: »

Well it might have helped if they had told me exactly when they were going to take the £16 charges rather than me having to just 'wait and see'. For a start they said after my next statement, and yet they removed them before i'd received one.

From the Barclays Website:-

Guaranteed Transaction Fees are incurred the day an item is paid and applied to your account monthly. We will write to you each time you incur a Guaranteed Transaction Fee and will tell you the value of the fee(s) incurred.
You will be given at least 14 days' advance notice on your statement of the total of any overdraft interest, Reserve Usage Fees, Returned Transaction Fees and Guaranteed Transaction Fees to be debited from your account.
We work out the monthly charging period from the date you select for your statement frequency. The monthly charging period always closes two days before the statement issue date.

If you think Barclays have not followed their own guidelines by all means use this in your complaint. You can work out the dates yourself, but stating you did not receive notification etc. is going to be hard to prove when Barclays can most likely do an audit trail to confirm letters, statements, etc. were sent out to you.

As I've said before they might just give you the £8 as goodwill to make you go away. I would imagine the cost to them of investigating "why you were not correctly informed about charging debit dates" out weighs a Guaranteed Transaction Fee.

BeenieCat wrote: »

And the Morrisons money DID debit instantly, from my available balance!

This is the last time I am going to bother responding because you clearly just don't get it or are deliberately ignoring my previous explanations. Earmarked/ pending/ held/ reserved funds are different from debited funds. No money leaves your account when funds are earmarked, only when the merchant collects payment, and at this point the transaction is reflected on your statement with the date, has money left your account.

samjef11_2

FREDTHESHREDXXX wrote: »

Oooooh toucht arent you :rolleyes: cant you accept the op doesnt want to hear your point of view, the op doesnt want it rammed down their throat clearly and thats excatly what youre trying to inflict upon the OP , oh i might add lets see if you stick to your word and dont respond as you say.........


Give it 5 minutes;);););)

How about shut up and stop posting spam.