Barclays Reserve account

ilikemybed

Hi I wondered if anyone can help me,

I have my accounts with Barclays and they recently added a reserve account to the end of my overdraft for £150. it means I can go over my overdraft into my reserve and not get charges for going over my overdraft unauthorised... but they charge you £22 for every 5 working days you are in this reserve account..
They added it without asking me if i wanted it although i do have the option to take it off. I went up to my overdraft limit before but never over but since i have had this reserve account i have dipped into once or twice as things got hard when i got divorced.

A couple of months back i got a bit of spare money from doing extra shifts at work and paid off the reserve account and what i thought my charges would be, but i obviously miscalculated as when the charges came out it put me back in the reserve... now getting charged at £22 every 5 working days.
I get paid monthly and dont have the cash to get myself back out of it at the moment. when i do get paid i could get myself out of it again but then i have the charges will come out again and put me back in and i can see it going on like that for a while. If i could now i would just cancel it as i didnt want it in the first place, but if i cant get out of it i cant cancel it.
Is there anything i can do about it.. I reckon ive already paid nearly £200 in charges since ive had it and because of this month i bet there will be another £88 of charges by the time i get paid..

Please help x

tinkerbell1990_2

were the charges definately for the reserve? i mean, it wouldn't be a lot, but there'll be the fee you pay for using your overdraft (only pennies, tbh, maybe a few pounds, but not much. unless its interest free, obv.) also, if you had returned payments, like standing orders and direct debits, there'll be an £8 charge for each of those. It may be an amalgamation of charges, rather than all for the reserve? maybe...

ilikemybed

obviously ill now be getting charged interest on this overdraft as well but the £22 i get charged every 5 working days is for being in my reserve amount, whether that be for 1p or £100.. Its ridiculous and now i dont know how to get out of it.. £22 a week, its gonna be £88 for this month alone!