Financial Institution Is Destroying Me

blisteringblue

I too have read it all and was desparing at the point you applied for every bank account people recommended. Plus only in the last couple of pages you listed all the other defaulting payments you have.

Simon, you are not listening to the advice people are giving and just have the fixation to get a debit card so you can shop !!

Please think about your actions before you get in a worse state. I was in exactly your position several years ago.

1. I started with an Abbey Cashplus account. I had a cashcard and I could pay direct debits
2. 12 months of good account management with this I got a cheque book and a cheque guarantee card
3. Another 12 months good account management and I got my delta card back.

It is that simple, please listen to everybody offering you help.

Plus get Barclays sorted NOW, you seem to be burying you head in the sand, you should have started the charges reclaim process at the time of your first post in this thread.

We are all here to help and most of us have gone through this all before so we speak from experience

simon3000

Hi ,

I have been too candid with my wording and i guess i seem unserious. I am waiting for some information with regard to my barclays situation please read this thread where i am seeking advice on that matter

http://forums.moneysavingexpert.com/showthread.html?p=4385446#post4385446

Alisonbel

I have read you other thread, still haven't got it have you!!!!
Read the bank charge claim thread it will tell you where to send your letters and just to make it even easier all the templates and addresses are there to. It really is simple.

blisteringblue

simon3000 wrote:

Hi ,

I have been too candid with my wording and i guess i seem unserious. I am waiting for some information with regard to my barclays situation please read this thread where i am seeking advice on that matter

http://forums.moneysavingexpert.com/showthread.html?p=4385446#post4385446

I'm beginning to think this guy is a wind up merchant now. :mad:

Get your head out cloud cuckoo land and just do it. They have to deal with you even if the account is closed, its just a fob off tactic. You have just posted should I do this, should I do that for the best part of 3 months now. If you had done it on day 1 the process would be nearly finished now.

I'm sorry I can't help somebody who is not prepared to help themselves.

mrslawrence2003

simon3000 wrote:

Hi ,

I have been too candid with my wording and i guess i seem unserious. I am waiting for some information with regard to my barclays situation please read this thread where i am seeking advice on that matter

http://forums.moneysavingexpert.com/showthread.html?p=4385446#post4385446

i think the problem is actually that you have not been candid enough - you have only recently mentioned your other debts and you have still not posted your full SOA.

i guess you dont actually want our advice, but would rather just use us to vaildate your thinking and actions - eg with the pre-pay credit card.

i honestly don't think you are yet ready to truly tackle your financial problems - but when you are - we;ll be here waiting to help you as best we can.

simon3000

Barclays debt collection agency has agreed to accept £10 pcm , i will post up my soa for you guys asap. I didn't know that barclays saying they do not want to communicate with me was a threat and they were not serious.I am sending them my reclaim letter #1 tomorrow

mrslawrence2003

simon3000 wrote:

Barclays debt collection agency has agreed to accept £10 pcm , i will post up my soa for you guys asap. I didn't know that barclays saying they do not want to communicate with me was a threat and they were not serious.I am sending them my reclaim letter #1 tomorrow

good. glad to hear it.

now i'm sure you will find it a challenging process and no doubt barclays will threaten you with all kinds of things before they finally refund your bank charges but pls do not let this put you off. everything they do is designed to make you stop claiming - but in reality and legally - what they have done is charge you illegal amounts and they are in the wrong. so keep strong and keep at it.

now pls get your soa up asap so we can help you with that!

ancasta_2

Finally! Its took you 3 months to do what you were advised to do in December!

You really dont come across as genuine.... you constantly ask for letter templates and people CONTINUALLY point you in the right place and CONTINUALLY give you their best advice (from being in the same position as you) and you still go your own way.

Maybe your beyond help until you 100% have your light bulb moment?!

simon3000

Paid Barclays Debt People £10 , next payment due next month , thank you for the warning they have become very aggressive and call alot.

hypno06

Did you send off your letter for your bank charges?