Barclays - Reserve Usage Fee

Tumdurgal

I've been reading a lot of the information on the topics and in the forums, but I haven't seen the Reserve Usage Fee come up or be mentioned. Is this 'fee' covered by the data protection act letter and is it a valid 'fee' to reclaim?

Basically, I was at the limit of my overdraft. Then, Barclays put in an account fee of £7 which put me over my overdaft by £4, so they subsequently added on a £22 charge for using the RUF. I'm sure this has happened before. The problem lies in the definitions, as far as I can see. In the letter it's refered to as a fee, while on the statement it's refered to as a charge.

natweststaffmember

Tumdurgal wrote: »

I've been reading a lot of the information on the topics and in the forums, but I haven't seen the Reserve Usage Fee come up or be mentioned. Is this 'fee' covered by the data protection act letter and is it a valid 'fee' to reclaim?

Basically, I was at the limit of my overdraft. Then, Barclays put in an account fee of £7 which put me over my overdaft by £4, so they subsequently added on a £22 charge for using the RUF. I'm sure this has happened before. The problem lies in the definitions, as far as I can see. In the letter it's refered to as a fee, while on the statement it's refered to as a charge.

RUF's are reclaimabl;e albeit they are outside the FSA Waiver yet inside the OFT test case since it has never been challenged in the courts.
I would advise you to get barclays to remove the Reserve from your account.

Tumdurgal

Thanks, that clears up one part. Is it covered in the DPA letter though? It doesn't seem like an unauthorised overdraft from they way the RUF is worded, more like a hefty fine for using an unasked for service.

natweststaffmember

Tumdurgal wrote: »

Thanks, that clears up one part. Is it covered in the DPA letter though? It doesn't seem like an unauthorised overdraft from they way the RUF is worded, more like a hefty fine for using an unasked for service.

You cannot unask for something. For example, I cannot unask you a question cos how would you know I asked the question?
DPA= Data Protection Act.....it is not about a specific charge but about data.