£1.08 Overdrawn - First Time Offense in 10 Years - Barclays Refuses to Waive £22 Fee

KingElvis

She shouldn't have gone overdrawn but the bank's attitude is enough to make a cat puke imo

Blobby8_2

Lokolo wrote: »

That's because HSBC T&Cs state that if you go unauthorised overdraft of £10 or less, they will not charge you.

Barclays however, do not have this.

Which would suggest your mother might take her business to...........

First direct.

Lokolo

Blobby8 wrote: »

Which would suggest your mother might take her business to...........

First direct.

I believe First Direct require a minimum of £1k a month going into the account. Someone on JSA will not have this.

FirstDirect wrote:

Is there a charge to bank with first direct?

Banking with first direct usually costs £10 a month, but you will not be charged this fee when you pay in at least £1,500 to your 1st Account each month, or maintain an average monthly 1st Account balance of £1,500, or hold a selected first direct additional product.

shayne_2

you were lucky getting a letter within 24 hours, most don't send out for 3/4 days, then charge you £30 a day for being overdrawn as well as £20 for the letter, i once went overdrawn by couple of pounds without realising it & they wanted £120, spoke to manager & they dropped it, as the manager has the power to do this, i'm sure they send letters late to scam money out of folk

DrSyn

1. Go into the branch and explain the situation. Ask for a refund!
If you do not get it ,shows what the bank thinks of her custom. Swtich to another bank. I think it might be wise to aviod Santandar.

2. My choice for your mother would be the "Co-op Bank". the Standard or Cash Minder accounts. They can both be run via the Post Office Counter Service. Very confinient for the old person.

3. Look up the "Post Office Banking" leaflet or the Post Office website for which other banks use the service.

elvis86

I would go into the branch and appeal to their better nature. If they still refused to waive the fee, I would advise them that I planned to leave Barclays and hope this persuaded them. If not, I would move banks.

Yes, it's a hassle, but it's the principal of the matter. And if your mum is on JSA it's not like she doesn't have the time to get direct debits etc changed.

d123

DrSyn wrote: »

2. My choice for your mother would be the "Co-op Bank". the Standard or Cash Minder accounts. They can both be run via the Post Office Counter Service. Very confinient for the old person.

Only problem there, is that it seems co-op will close the account after 3 "strikes", so she might be without an account if she went into unauthorised OD or bounced a DD.

JustKeepSwimming_2

I'd go in & speak to e real person too. I hope that common sense will prevail too - although my cynical side says they probably won't care too much about her loyalty as theyre not making that much money out of her!

I also second banking with the Coop - been with them for years & never any problems. Their internet site is also easy to use.

JustKeepSwimming_2

d123 wrote: »

Only problem there, is that it seems co-op will close the account after 3 "strikes", so she might be without an account if she went into unauthorised OD or bounced a DD.

Never heard of that rule. But then I've only had 1 time of being overdrawn & the automatic charges that were applied were refunded. I appreciate it may be more of a risk though if you are already trying to manage with only JSA coming in - doesn't leave much wriggle room, does it?

getmore4less

OPtions.

Drop the reserve and get an authorised overdraft.
But don't go over that.

keep more money in the account.