I feel i have been conned by Barclays...

deefadog

Basically i was with barclays for over 10 years, but moved my accounts over a year ago to the Halifax (for the £5 rewards).

I was unhappy with the service from Halifax and i kept my Barclays accounts open with small balance. So decided to move back.

I contact Barclays Phone Banking and explained what i was going to do and asked if they could increase my over draft for a few months as the DD moved over.

I contacted them again a few weeks later to confirm as they had not sent me any paper work, again they confirmed i would not get charged.

After being put on hold several times, they said it was fine and they would put a note on my account so i would not get charged if i went over my agreed overdraft.

Now on 3 occasions i went over by a few pounds and subsequently received the reserve usage charge of £22 x 3.

I assumed this was just the system and i would not actually get charged, but i have

So i made an appointment in my local branch who's was not very helpful, i filed a report and received a letter basically says tough - it's your responsibility to ,look after your accounts. No mention of my telephone calls etc.


So what can i do now? can i get the FSA involved or reply in writing to Barclays? Not sure who to contact?

Any help much appreciated.

ironlady2022

Usually during the switching process they will give you a standard limit on your overdraft for it to be dropped to the AGREED amount. Did they give you a limit or tell you it was going to be dropped? More importantly this would only be agreed if you went through automated switching rather than do it yourself whereby you ring around the DD companies etc.

zppp

deefadog wrote: »

So what can i do now? can i get the FSA involved or reply in writing to Barclays? Not sure who to contact?

Any help much appreciated.

If what you have recieved is a reponse to your complaint, as you are unhappy, it will give you the next steps for escalation in the letter. Once you have completed their formal complaints process, you can refer your case to the Financial Ombudman service.

You can also refer to FOS if you haven't heard from the firm within 8 weeks. The FSA do not investigate individual consumer disputes.

deefadog

Thanks zppp, yes this was the response letter i received from the initial complaint that the customer service advisor took from me last week.

I guess i will reply to them, and if i don't get any joy, write to the FOS? or shall i go direct to the FOS now?

Best Regards