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£1.08 Overdrawn - First Time Offense in 10 Years - Barclays Refuses to Waive £22 Fee
Comments
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Do what I did.
Empty the account as soon as possible without leaving the £22 in there.
Open a new account with another bank and have all DD and JSA payments switched to the new account.
Pay barclays back at £1 per week.
They cannot add any further charges to the debit balance as the debit balance has been caused by their penalty.
^^^^^^^^^^
DO NOT DO THIS!
The Reserve T+C's (from what I can understand) say that the fee will be charged every 5 days regardless of how the account became overdrawn.
Pay it back, then contest it. Seriously.
Otherwise in a weeks time we're going to have the "Barclays have charged us ANOTHER £22 on top" thread......I spent 25 years in the mobile industry, from 1994 to 2019. Worked for indies as well as the big networks, in their stores also in contact centres. I also hold a degree in telecoms engineering so I like to think I know what I’m talking about 😂0 -
Do what I did.
Empty the account as soon as possible without leaving the £22 in there.
Open a new account with another bank and have all DD and JSA payments switched to the new account.
Pay barclays back at £1 per week.
They cannot add any further charges to the debit balance as the debit balance has been caused by their penalty.
Probably the worst advice I have ever seen on this website. They can add further charges and will.^^^^^^^^^^
DO NOT DO THIS!
The Reserve T+C's (from what I can understand) say that the fee will be charged every 5 days regardless of how the account became overdrawn.
Pay it back, then contest it. Seriously.
Otherwise in a weeks time we're going to have the "Barclays have charged us ANOTHER £22 on top" thread......
Very well said, and correct advice.Best Regards
zppp
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legally they cannot issue a charge on a debt that is the result of an existing charge.^^^^^^^^^^
DO NOT DO THIS!
The Reserve T+C's (from what I can understand) say that the fee will be charged every 5 days regardless of how the account became overdrawn.
Pay it back, then contest it. Seriously.
Otherwise in a weeks time we're going to have the "Barclays have charged us ANOTHER £22 on top" thread......[SIZE=-1]To equate judgement and wisdom with occupation is at best . . . insulting.
[/SIZE]0 -
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Just ring Customer Relations on 0845 609 0806 and register a compliaint, im sure they'll help. They did help us when we had a problem with the account0
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legally they cannot issue a charge on a debt that is the result of an existing charge.
The reserve fee is not a penalty charge, it's a fee for a service (hence the name). OP's mother made use of the reserve service on her account and was charged accordingly. The Ts and Cs of the service clearly state this. They also state that OP's mother has 5 working days to get herself out of the reserve part of her account or she will be charged another £22 (for further use of the service.
It should also be noted that the fees are applied 14 days after her next statement date (so she has plenty of time to get her accounts in order, so the fee will not cause her to go back into reserve). If the OP's mother is on JSA, then Barclays (or any other bank for that matter) will not enter into any further lending arrangements with her (such as an overdraft).
If you do not want the reserve, go into a branch and ask them to take it off, but please, don't hassle the staff there over it. It's not their fault that your mother went into her reserve, and nor is it their fault that the fee is £22 and will be charged as a fee for a service.
Also, re: the ATM balance. ATMs commonly show two balances.
The cleared balance is the balance at the close of business the working day before, but the available balance is the amount you can draw from your account right that minute. Make sure she knows the difference and doesn't make the mistake again.
HTH!No longer a student, but still paying for it!
NatWest Overdraft £[STRIKE]1600[/STRIKE] [STRIKE]1450[/STRIKE] [STRIKE]1200[/STRIKE] [STRIKE]1100[/STRIKE] [STRIKE]950[/STRIKE] [STRIKE]700[/STRIKE] [STRIKE]450[/STRIKE] 0!
Other debts consolidated into a loan £3000 over 3 years at 8.8%:D0 -
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GiraffeMan wrote: »Just ring Customer Relations on 0845 609 0806 and register a compliaint, im sure they'll help. They did help us when we had a problem with the account
alternative - 0113 389 80650 -
alternative - 0113 389 8065
or 0800 282 390
http://www.personal.barclays.co.uk/BRC1/jsp/brccontrol?task=articlegroup&value=3658&site=pfs0
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