Closing a barclays account

moneysaver890

Hi, (sorry if this is in the wrong place, new to this today)!
I have a Barclays account that has a £22 reserve usage fee due to come out on the 15th Nov, from a direct debit that I had cancelled!
Would the bank let me close the account before this fee is taken out as I refuse to pay it! Thanks

zppp

moneysaver890 wrote: »

Hi, (sorry if this is in the wrong place, new to this today)!
I have a Barclays account that has a £22 reserve usage fee due to come out on the 15th Nov, from a direct debit that I had cancelled!
Would the bank let me close the account before this fee is taken out as I refuse to pay it! Thanks

No, they will only allow you to cloe the account if the balance is settled including a any future charges.

moneysaver890

even if the charges are unfair?? I had one dd coming out of the account every month but wanted to change this to a different account. so called Churchill up, gave them the new details and explained that i wanted the money to come out of the new account, they then said they had already tried to take the money out of my account even though it was 2 days before the due date. i cancelled the dd at the bank, but yet Churchill must have tried again on the due date 20th Oct and now I have the £22 reserve usage fee charge!
Will have to go into the bank and try to sort it out as dont want to waste god knows how much ringing them up lol

zppp

moneysaver890 wrote: »

even if the charges are unfair?? I had one dd coming out of the account every month but wanted to change this to a different account. so called Churchill up, gave them the new details and explained that i wanted the money to come out of the new account, they then said they had already tried to take the money out of my account even though it was 2 days before the due date. i cancelled the dd at the bank, but yet Churchill must have tried again on the due date 20th Oct and now I have the £22 reserve usage fee charge!
Will have to go into the bank and try to sort it out as dont want to waste god knows how much ringing them up lol

In your opinion the charge is unfair, however it is as per the condtions of your account. Your question was whether it was possible to close an account with pending charges, which I stated no. That means you either pay the charge or contest the charge.

arborlinden

According to direct debit regulations a contested direct debit must be refunded to your account by your bank if it has been paid or not paid if you so request. The matter then is between you and the company providing the service: the ban has no longer any say in the matter.

Premier_2

arborlinden wrote: »

According to direct debit regulations a contested direct debit must be refunded to your account by your bank if it has been paid or not paid if you so request. The matter then is between you and the company providing the service: the ban has no longer any say in the matter.

Not quite.

Whilst the bank is obliged to take a payers word for any claim under the DD guarantee and repay the payer, the Originator can appeal such a claim and if successful will get the money back from the bank ... who of course will have it debited from the Payers account again.

Edit: and according to the earlier thread by the OP, the contested DD relates to one that appears they tried to transfer to collect from another account too close to the collection date. i.e. after the BACs file would have been submitted:
https://forums.moneysavingexpert.com/discussion/2838278

arborlinden

Premier wrote: »

Not quite.

Whilst the bank is obliged to take a payers word for any claim under the DD guarantee and repay the payer, the Originator can appeal such a claim and if successful will get the money back from the bank ... who of course will have it debited from the Payers account again.

Edit: and according to the earlier thread by the OP, the contested DD relates to one that appears they tried to transfer to collect from another account too close to the collection date. i.e. after the BACs file would have been submitted:
https://forums.moneysavingexpert.com/discussion/2838278

Who does the originator appeal to? According to the direct debit regulations the customer has the last word in direct debits otherwise there is no protection. Please clarify this statement!

Azrael_1701

arborlinden wrote: »

Who does the originator appeal to? According to the direct debit regulations the customer has the last word in direct debits otherwise there is no protection. Please clarify this statement!

Taken from here: http://www.bacs.co.uk/Bacs/Consumers/DirectDebit/Pages/DirectDebitGuarantee.aspx


"If an error is made in the payment of your Direct Debit by (insert your organisation name) or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society
- If you receive a refund you are not entitled to, you must pay it back when (insert your organisation name) asks you to"




What error was made? As far as i can see the OP didn't give them enough notice to change over the DD details. What was wrong with doing a bank transfer from the other account for this month, and changing it over for next time?

Premier_2

arborlinden wrote: »

Who does the originator appeal to? According to the direct debit regulations the customer has the last word in direct debits otherwise there is no protection. Please clarify this statement!

Under Section 11.2 Valid Counter Claims of the Originator's Guide and Rules to the Direct Debit Scheme

The Originator should contact their Sponsor's Direct Debit Customer Services Department giving details of the settled indemnity claim including ...

The Sponsor (also known as a member) is one of the financial institutions that owns and operates the DD Scheme within the UK. They are listed under term 1.1 of the above mentioned Guide & Rules

HTH

Which regulations are you referring to?
Perhaps you could clarify your statement?

moneysaver890

Thanks for all your responces guys Not been into the bank to sort it yet! I'm just hoping I can manage to get the charges wiped (not holiding out much hope) I know I should of really given more notice, but even so, I did cancel the DD before the date it's due to come out of the bank, so in theory dont think i should have been charged.
If I was to 'opt out' of this reserve usage limit now (before the 15th Nov when the £22 is to be taken out of my account) does anyone know if they could still keep charging me the £22 every 5 days if I dont pay it back straight away?

sue4386

Premier, I'm sorry to bother you but do you know what the abbreviations POA/GA mean? They are listed on a third party authority mandate..