Cant get a savings account

Ineedaname

Just to clarify, the OP, Battyboimatt, has only just gone BR so won't have access to online banking at Barclays.

GreenDog_3

I have a basic account with Barclays. The guy who opened it for me also setup an ISA for me, although I can't really afford to put anything into it at the moment. I also asked about internet banking as it's so much easier to manage your account without having to get mini-statements out all the time. He put this request in for me, and within 5 days I received a letter with my internet banking number and everything.

Ineedaname

Greendog - several members have reported being offered and gaining internet and telephone banking with Barclays. Then they lost it fairly quickly too. Barclays do not allow internet and telephone banking to current BRs, only after discharge.

I haven't heard they have changed their rules on this.

GreenDog_3

Ineedaname wrote: »

Greendog - several members have reported being offered and gaining internet and telephone banking with Barclays. Then they lost it fairly quickly too. Barclays do not allow internet and telephone banking to current BRs, only after discharge.

I haven't heard they have changed their rules on this.

Thanks, I guess I should keep quiet about it then.
Can't understand why, as a BR, you cannot have internet banking anyway. As I said earlier, it's so much easier to manage accounts online.

Ineedaname

I totally agree with you and it would be better for Barclays to know their BR customers could keep a better eye on their accounts too. However, it's the way they work now so all we can do is hope for a change in the future.

Do let us know if you get to keep your internet banking though, would be a step in the right direction if that starts happening.

alastairq

GreenDog wrote: »

Thanks, I guess I should keep quiet about it then.
Can't understand why, as a BR, you cannot have internet banking anyway. As I said earlier, it's so much easier to manage accounts online.

I think the issue is the way Barclays operate their internet banking system?

Unlike Co-op...... Barclays as I knew them had a lot of product access available on their internet system....meaning it was very easy to access some form of credit.

Co-op...whilst they have product access on their main site, have no such access on their internet banking site.

Ineedaname

I never knew that Alistair, makes sense now.

dojoman

alastairq wrote: »

I think the issue is the way Barclays operate their internet banking system?

Unlike Co-op...... Barclays as I knew them had a lot of product access available on their internet system....meaning it was very easy to access some form of credit.

Co-op...whilst they have product access on their main site, have no such access on their internet banking site.

That is exactly the reason the PB gave to me, when applying for the Barclays basic account.

WLITC

alastairq wrote: »

Unlike Co-op...... Barclays as I knew them had a lot of product access available on their internet system....meaning it was very easy to access some form of credit.

But even non BR folks don't get instant approval unless you have been allocated pre-apporoval (and then the limits vary) so its not like just having the links there would mean they can apply and get anything (credit wise) .. but maybe thats part of the reasoning. Funnily enough, the very thing that annoys me about Barclays online is the constant bombardment of ads/links for their products and services and often they are placed in such a way that you almost accidently click on them instead of the links to access your main account details.

alastairq

hi...as an example..[and things may have changed over the past few years, I accept]....when I had my Barclays [full] account with internet access....I could take out a loan, instantly, no quibbles, up to a certain amount [about 4k, in my case]....the funds would be in my account pretty much instantly.

Simply a case of, clicking the link, adding the amount of loan required, confirmation, and hey presto!

I think there was a minimum loan amount too....

Nowhere was there a facility to notify BArclays of undischarged BR...mandatory if wishing to borrow in excess of £500.


I think Barclays decision was based upon their personal knowledge of the customers financial habits....rather than what was on a CRA file...certainly seemed to be the case, anyway.......since no searches were recorded.

Barclays seem to have a very convoluted system of loans products......with different departments within the Barclays umbrella offering differing rates and condition's....


to me, a loan is a loan...but not apparently, to Barclays.