Barclay Card Charging £20 For 33p Over Limit

Little_Lady_87

https://www.consumeractiongroup.co.uk/forum

This site is fantastic, my brother had over £600 in charges I calculated ( over about 3 years ).

This site will tell you how to get at the worst case 6 years of fines refunded - or at best your get to do what I did and charge the bank interest! lol

nickmack

daveboy wrote:

Whilst there is a huge debate on the size of the charges, you didn't comply with your agreement. You may well get it wiped out if you phone up.

It's not the fault of Barclaycard.

It's the fault of you......I live in hope that one day someone will own up to one of these mistakes instead of constantly pointing the finger at the lender.

That's exactly what it was, a mistake. The OP admitted they shouldn't have gone over their limit.

Not all agreements are enforceable or fair. It doesn't matter what was signed, the OP I assume is a layman and therefore not qualified to judge the validity of such an agreement. In this case a £20 charge has been deemed excessive by the OFT.

emmareid, when you next speak to them, ask them nicely. If they refuse, tell them that you consider the charge unlawful and you will take them to court. Then follow the link above and pursue it. You will get the £20 back.

mrcow

Hi

Keep your cool and don't take any rudeness from them, call them back and give them a chance to refund.

If they don't, just go straight to the consumer action group (above) and use the template letter from the library section. If they offer you half back, take it, and then write the letter anyway about the rest of it.

Take care.

Daft_Monkey

Interestingly enough a few years back,I made a small payment with my Barclaycard MasterCard, but as 99.99% of the time I was using my Barclaycard Visa I forgot all about it. Realised it a month later when I looked at my statement, which had the balance moved forward from the previous month, but no penalty. I was surprised to say the least that I was not penalised for missing the payment, not that I wanted to pay their inflated fees. They did put a mark on my credit record though.
So, they can be nice and reasonable on occasion...

emmareid

well i give it a try being nice first but think they take the micky, after writing to me advising that they are increasing the int rate, now they want to charge £20

PJHilder

emmareid,

I had the same thing happen to me recently. I accepted that they'd charged me. Although I wasn't happy about being charged again because i'd not paid the overlimit amount by the 1st of the following month.

Yes "you should have read the T&Cs" but i've checked and that wasn't in there. Why do I know this? Because I've been over by 20p before and didn't pay it until the normal payment date and wasn't charged. I've not received any changes to my T&Cs recently so I can only say it's something they've added but not bothered to tell me about.

But i'm sure someone will be along to scoff and stick the knife in a bit.

gazza975526570

This is the same argument going on three current threads at the moment.

Whilst yes there is discussion as to what level these charges should be/are they lawfull etc but if it was 20 pence or £2k you were over your limit. There has to be a firm limit not one that says well its x amount but x amount and a bit is ok! Otherwise where would it end?

PJHilder - im not sure why you were not charged in the past but you admitted you were over the limit so not sure where your argument lies. If as you say they havent charged in the past cant you try and keep a better hold on your finances to stay within your agreed limit?

Not "sticking the knife in" = just making some valid points.

virgin_moneysaver

gazza975526570 wrote:

This is the same argument going on three current threads at the moment.

Whilst yes there is discussion as to what level these charges should be/are they lawfull etc but if it was 20 pence or £2k you were over your limit. There has to be a firm limit not one that says well its x amount but x amount and a bit is ok! Otherwise where would it end?

PJHilder - im not sure why you were not charged in the past but you admitted you were over the limit so not sure where your argument lies. If as you say they havent charged in the past cant you try and keep a better hold on your finances to stay within your agreed limit?

Not "sticking the knife in" = just making some valid points.

I agree - & even now a lot of these companies have reduced the fee to £12, you'll still get the 'I was only over by 33p & they've charged me £12' - a limit is exactly that, & the same fee will be triggered whether you go over by 1p or £100 - it's the same as the late payment charge, the statement is sent THREE WEEKS before payment due & you'll still get people leaving it to the very last minute to pay & when they've cut it too fine they come a cropper & then wonder why?!

PJHilder

gazza975526570 wrote:

PJHilder - im not sure why you were not charged in the past but you admitted you were over the limit so not sure where your argument lies. If as you say they havent charged in the past cant you try and keep a better hold on your finances to stay within your agreed limit?

Not "sticking the knife in" = just making some valid points.

I've said on the other thread I understand being charged for being over my limit.

I just don't like the way Barclaycard have introduced a new way of charging me again for the same thing. Mainly because I wasn't told about this and also being told it's always been this way when I can clearly prove it hasn't.

I've never missed a payment or gone over my limit due to purchases. It's always been because the interest took me over by 10p/20p.

mparter

mroller wrote:

I have had a barclaycard for 3 months now with a very low limit (260£) and whenever I reached this limit, my card stopped working.

How did you manage to go overlimit?

If your limit's £1000, and you have say £15 available credit left. Sure if you go to a shop and try and spend £20 on it, it will be declined. But when it comes to statement time and they add the interest on, which may be £17, you then go £2 over your limit.