Please help barclays took all money out my account

datlex

Surely cleared funds being taken from your account without your permission is theft and should be reported to the police!!!!

pmduk

Your best bet now is to make a formal complaint, taking it to the Financial Ombudsman if necessary. Other than that try and put it behind you, you have the money back so don't let the stress get to you.

allpine99

my aqua credit card has now gone over my limit as i did not make payment and they have put interst on it so im £60 out of packet and i have a late payment mark on my credit file it has taken me years to repair my credit file i feel sick because nobody is going to do anythinhg about it now .

tigerlily44

allpine99 wrote: »

my aqua credit card has now gone over my limit as i did not make payment and they have put interst on it so im £60 out of packet and i have a late payment mark on my credit file it has taken me years to repair my credit file i feel sick because nobody is going to do anythinhg about it now .

I have just been reading this thread and whilst there are a number of unhelpful posts it is those who have advised you to complain who IMO have it right - follow the bank's procedure and advise them of every expense incurred due to their actions. Whether they agree they were wrong or otherwise to do it is a moot point but they should agree that their actions have made you incur out of pocket expenses for which they should be held responsible.

If you get no joy from Barclays then take it to the financial ombudsman - its what they are there for. If you really felt as low as you have said you did, its the least you can do to at least force a policy review somewhere to prevent others going through the same.

tiger

allpine99

i have made a comlaint and its going to take at least 8 weeks because thats how long they are allowed to take to reply to my complaint its cost me hundeds of pounds in interest and phone calls and my credit rating is going to remain affected .

tigerlily44

allpine99 wrote: »

i have made a comlaint and its going to take at least 8 weeks because thats how long they are allowed to take to reply to my complaint its cost me hundeds of pounds in interest and phone calls and my credit rating is going to remain affected .

It may not necessarily take that long, and whatever costs you incur should be reimbursed to you and any damage to your credit rating reversed. You should advise whoever has charged you for late payment what the situation is and that you are in the midst of a formal complaint on the matter.

It must feel like its never going to get sorted out but it will.

tiger

allpine99

thanks tiger

zppp

tigerlily44 wrote: »

and whatever costs you incur may be be reimbursed to you and any damage to your credit rating reversed.

If the bank was acting on behalf of and on instruction of SOCA, they are not liable for any costs, as Barlcays are complying with the Proceeds of Crime Act 2002. I have seen FOS case studies that have similar circumstances, and in some of them FOS agreed with the firm re their handling of the case.

tigerlily44

zppp wrote: »

If the bank was acting on behalf of and on instruction of SOCA, they are not liable for any costs, as Barlcays are complying with the Proceeds of Crime Act 2002. I have seen FOS case studies that have similar circumstances, and in some of them FOS agreed with the firm re their handling of the case.

Take your point, but until its established why the money was removed in the first place I still think they should reimburse any out of pocket expenses - or at least advise in the complaint response why not

meer53

tigerlily44 wrote: »

Take your point, but until its established why the money was removed in the first place I still think they should reimburse any out of pocket expenses - or at least advise in the complaint response why not

The OP has done the right think in logging a complaint with Barclays but i wouldn't hold out much hope of an explanation about what was done, Barclays won't be allowed to declare this information to their customer. They might offer out of pocket expenses as a gesture of goodwill but as ZPPP says, they probably haven't done anything procedurally wrong, i know the OP is incensed about what happened, but no amount of complaining will change things now, it's happened and they're doing the right thing by making a complaint, Barclays will respond, if the OP isn't happy with their response then he needs to make a decision as to whether to take it further.