Barclays What do I do Now

tagal

Some background.

Had two accounts with Barclays which fell into arrears two years ago. I owe them approx 3,000 approx 600 made up of charges. Entered into a DMP which I am running myself. These accounts was closed. I believe the account has been on hold for the past two years while waiting for outcome of court hearing - not sure whether I even had to make payments to them during this time, but have paid amount worked out for DMP every month without fail even though have never heard from them. Only way to check what I now owe is on Experian. All money I have paid has come off the balance - no interest has been added so far.

Have now received letter from Barclays (they don't hang around) saying they are not upholding my complaint and will not be refunding my charges. So what do I do now. Do I file claim with FOS and write to Barclays informing them of this. I have 8 weeks to respond to them. From what I have read - the FSA has also said they are not going further with bank charges.

I want to obviously carry on with my DMP as the past 2 years so need help.

natweststaffmember

What have CAG said firstly as I wouldn't want to suggest one thing and them say something completely different?

tagal

I sorry to repeat question on here but I get so worried and thought I would try both sites. They have said wait and see announcements before I act. Tracey

tagal

I wondered if there are any template letters I can send to Barclays re Hardship Case. Don't know whether this could mean me as I am in a DMP (run by myself). I cannot not seem to find anything but wondered if people think I should try this route or carry on waiting for any further advice.

natweststaffmember

tagal wrote: »

I wondered if there are any template letters I can send to Barclays re Hardship Case. Don't know whether this could mean me as I am in a DMP (run by myself). I cannot not seem to find anything but wondered if people think I should try this route or carry on waiting for any further advice.

Tagal, you need to read the lending code section 9.
http://www.legalbeagles.info/forums/showthread.php?t=21043
The link above gives details of it. You would need to enclose income and expenditure form but they do not have to refund charges under financial hardship and even then only for the period of financial hardship. That means where outgoings exceed income and that the charges are making that hardship worse.